BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I tried to make my XX/XX/XXXX Payment and was told my loan was transfer to whom, I have no idea. I received a letter dated XX/XX/XXXX confirming what I already know that my next due payment is for the month of XXXX. 
I attempted to make my payment tonight and was told my loan has been transfer. 
I have gotten no communication from Specialized Loan Servicing about the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
All accounts reduced credit limits without any adverse payments or total balances. Dropped XXXX XXXX caused a domino effect. Has disgrace my credit worthiness and I believe our credit characters were discriminated and defamed. Synchrony Cards XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All have had dratic reductions affecting our scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The status of limitations is up to report this repossession on my credit report should have been removed in XXXX yet still reporting in bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Green & Sons Agency, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Outsource Receivables is reporting accounts on my credit file that must be removed. I recently took a look at my credit file and noticed some accounts still reporting. I paid these accounts a very long time ago and am now asking that Outsource Receivables remove all the accounts from my credit file. First off, I never received a 30 day right to dispute notice before they ever reported on my credit which is a violation under the FCRA. Immediatley after I noticed this debt it was paid and it was all medical debt that I was under the assumption had been covered. However, Outsource Receivables continues to report negatively on my account despite this being settled. I am aware that since they are the original furnisher they can report to the bureaus as they deem fit and ask for a deletion letter to the bureaus stating the accounts should be removed from my credit file. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example XXXX  confirm an account which was opened on XX/XX/2013 and Experian would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on XXXX, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX  Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX  ( XXXX XXXX  ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX  in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am an XXXX. I had a client trust account ( IOLTA ) with XXXX XXXX, which was recently purchased by Pacific Premier Bank. On XX/XX/21, I deposited what I believed to be a certified check from XXXX ( {$75000.00} ) which was purportedly a " client 's '' settlement check. I asked the teller what the hold time on the check was. He said there was no hold time because it was a certified check. I asked how long before the check actually cleared. He said usually quickly. The next day, XX/XX/21, I went back and asked the same teller if the check had cleared. He said funds were available. I said that I needed to know if the check had cleared ( I already knew funds were available from the previous day ). He called over the assistant branch manager, and they reviewed something on the computer, then said the check had cleared. Based on that information, I then wired the money to the " client. '' Three days later, the bank notified me ( on XX/XX/21 ) that the check was counterfeit and that my IOLTA account was overdrawn. Initially they said the bank would cover the loss, but changed that in subsequent days. On XX/XX/21, I signed paperwork for Pacific Premier to try to get the funds back from the receiving bank ( XXXX ). The next week, Pacific Premier told me they were able to get back ~ {$47000.00}, but that ( according to them ), I owe the difference. 
I asked if they initiated a fraud investigation, they said they won't. I asked if they contacted law enforcement, they said no. I am the victim of fraud, and they are not helping me or law enforcement to find the perpetrator. Also, on XX/XX/21, the assistant branch manager told me that another branch of Pacific Premier had recently experienced a similar scam, involving the same " company '' as in my case. But that branch did not send an alert to other branches. Had they done so, my branch might have noticed the same company name on the check, and this could have been prevented. The bank did not take reasonable steps to watch for a known scam, they said the check had " cleared '' when it had not ( and I relied on this information ), and they failed to report the fraud scam to authorities, or to help me identify who scammed me. This is a serious breach of their fiduciary duty to me, their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX I ordered from company XXXX XXXX website XXXX XXXX XXXX XXXX some reloading stuff, I payed via PayPal {$230.00} , I got email confirmation that my order will be delivered soon, then guys just disappeared, contact phone number shown on their website is not working, they don't reply to emails, chat service on their website is not working. I would like to get my money back, please assist if it is possible or please advise what should I do. 
I try to get refund via PayPal but had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. 
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. 

The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. 

Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. 

Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21, I spoke with XXXX XXXX with TransUnion 's Specialized Fraud Department. I asked about my request for method of verification under FCRA 611 ( a ), he advised me that Transunion will never send my how they verified the dispute because it is all done electronically. I have specifcally been disputing 3 tradelines ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) since XXXX. Factual disputes being that date open, payment date, payment history, and balance owed were inconsistent and inaccurate. XXXX never responded and XXXX XXXX XXXX as well as XXXX XXXX XXXX sent me a letter saying the tradelines are verified and belong to me. That's not the problem. How is the information being verified? Transunion 's representative ( XXXX XXXX ) responded and said that isn't their responsibility and that they report what the creditor 's furnish. Creditors can furnish anything, so why would FCRA state " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information will be provided to the consumer by the agency. This notice will include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher, if reasonably available ; ''. Why is Transunion telling me that they don't have to send it to me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried to log in to Equifax to freeze my credit report ( after previously creating an account ) it told me that there was a general issue and I would need to call their support. 

I waited 45 minutes through their support system and reached a representative who was not able to freeze my credit report. I was instructed that the system was not working. I was directed to try logging in again, at which point it told my my account was locked. I had just reset the password so I am 100 % confident that the correct password was entered. 

The representative online told me however that my account was not locked. 

I was not able to freeze my credit report online or by contacting equifax support and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have reached out to navient 2 different times. Navient continues to try to collect payments for a school I didnt attend. In XXXX I attended Florida XXXX University that abruptly closed down due to bad business practices and accredidation issues. After closing it reopened under a new name called XXXX University and even though the same company XXXX colleges was over the new named school they still refused to except the credits from the prior school they shut down. I was unable to complete school because it shut down and no other school would transfer the credits over. I then started recieving bills from Navient trying to collect for XXXX University. I Explained that I never attended XXXX and that I only attended Florida XXXX University and that due to that school closing down while I was attending it qualified for loan forgiveness and that XXXX XXXX Florida campus on XXXX XXXX had shut down as well and qualified for loan forgiveness. I sent them my transcript that only shows Florida XXXX University but they continue to tell me I went to XXXX and that the schools code remained the same. Even if the school code remained the same the school still shut down. I then showed them on the federal website where everest is on the list for closed schools but they continue to say XXXX is open since at some point they opened another campus outside of XXXX in orange park, Fl on XXXX XXXX but even that location closed down and did n't even offer he same courses. I even asked them to show me proof of attending this school signatures or paperwork and to just simply validate this debt as law requires but they claim the records are stored away. Ive spoken to mangers and faxed papers and now they wont even return my calls, I finally spoke with someone name XXXX in XXXX XXXX and she emailed me a signed form that still said Florida metropolitan university. Navient has systematically and illegally failed me at every stage of repayment and has created obstacles so that I cant resolve this problem. They continue to provide me bad information. I want this removed off all three of my credit reports. While reading my most recent credit report it shows 3 seperate loans. One for from XXXX XXXX for {$610.00}, XXXX XXXX for {$2100.00} and XXXX XXXX for {$130.00}. I want all three of these loans deleted from my credit file with all 3 bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: R J Baucum Enterprises, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint on XXXX because this agency has ignored my dispute I sent to them on two different occasions in regards to XXXX accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting XXXX of the accounts and XXXX has deleted the items. I dont know why XXXX refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent XXXX a dispute expressing that a hipaa release form was never signed or authorized for Edward Sloan and Associates to acquire my private medical information. 

XX/XX/XXXX i also sent Edward Sloan and Associates a letter in regards to the XXXX accounts they are reporting. Tracking XXXX XX/XX/XXXX Edward Sloan recieved my letter. 

XX/XX/XXXX XXXX  Deleted XXXX accounts. 

XX/XX/XXXX XXXX  Deleted XXXX of the account. 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from XXXX or a response from Edward sloan till this day.

To my understanding once a modification has been made with one reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt XXXX complied by deleting the same items being reported after receiving notice from XXXX  of the carbon copies. 

XX/XX/XXXX I got a updated report from XXXX  website and to my surprise these items are still reporting. I have given XXXX the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then XXXX is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that XXXX is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. XXXX knows there policy but refuses to comply to federal and state regulations. 
I can not get XXXX attention and now I am asking for your help to settle this on going matter.

Company response to consumer: Closed with explanation