BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I switched my phone service to XXXX. I paid the initial purchase for both the phone and the Military member service. However, while trying to make this switch from my current company XXXX  XXXX I learned that I couldn't move my XXXX for 6 months after purchase so I decided to leave XXXX  and go back to XXXX XXXX until I could switch my XXXX. I cancelled my XXXX service on XX/XX/XXXX before the bill was due. A week later XXXX charged me for the monthly fee. This was two week early by the way. I contacted XXXX  to have the charges refund but because I couldn't remember my pin and because my account was closed I couldn't access to get the pin so they wouldn't help me. They told me I had to speak to a local store. I then had my bank refund me the money as it was not an authorized charge since I had cancelled my service. XXXX has since sent me to collection. I then went to the store to get my pin so that I could have them correct that I do not owe them anything, but the store rep was not able to access my account either. I had her print the screen showing when I cancelled my account with her name on the document. I only had XXXX services for less than 3 weeks and I do not owe them anything. It seem that this company does not speak to each other. I had planned on returning to them after my wait period was over with my XXXX, but I'm glad I learned how horrible they were so that I will not make that mistake again.

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following accounts have been disputed on these dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXfor late pays after account closed, comments/remarks incorrect, never got a response for Transunion, XXXX , XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 2019-11-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am currently dealing with an insurance claim from when my home was hit by a hurricane. My husband and I had to hire a public adjuster to get us the amount of money needed to fix the house. The public adjuster charges a fee of 10 % for this service and has you write them a personal check for the fee when they endorse the insurance check. Mr. Cooper endorsed and sent back all our previous checks with no paperwork needed but are refusing to do it with this one until we submit to them contractor paperwork. This is not an issue, but they are also refusing to release the portion of the insurance check I need to cover the personal check I have written to the public adjuster, putting a financial hardship on me because I am now in a position of bouncing a check and overdrafting my account. I also believe this is technically theft Mr. Cooper 's part since the public adjuster was included as a payee on the check and since they will not release the money to me that I need to cover the check I have written them or pay the public adjuster themselves, they have stolen the public adjuster 's portion of the proceeds. I have talked to them several times about releasing to me the money I need but the will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

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 2019-06-13
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a complaint with Experian and called and made a compliant - filed disputes with both. In 2016 I was heavily in an addiction. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the XXXX XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX  to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX   and Ive been XXXX  and in XXXX since. 

I have called and explained the situation to both Experian and XXXX, which I was told by both there would be an internal investigation. I did ask XXXX  for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX  and XXXX  XXXX was removed. So it seems its more of an Experian issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX   XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.

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 2019-06-13
Company: EQUIFAX, INC.
State: FL
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:
On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from XXXX XXXX way back in XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. XXXX XXXX continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for XXXX XXXX to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reviewed my consumer report and still find unauthorized inquires that I have not given written consent for Transunion to furnish. This is identity theft and should be deleted.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.

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 2019-11-12
Company: Penn Credit Corporation
State: GA
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: Problem with personal statement of dispute

Complaint:
I recently summitted a dispute with XXXX  to verify certain things on my credit such as penn credit collection for {$900.00} and XXXX XXXX XXXX for {$230.00}. Which i was a victim of Identity fraud and i filed a police report as well .I ask them removed or verify these accounts by sending me the name the correspondence on who they spoke with, dates contracts with my signature including applications and time and they did nothing nor did they do a proper investigation to help me they help the consumer because they are being paid to report these items. i have been going back and fourth about these accounts and nothing has been done i took all the right steps as well i enclosed a copy of the law section 609 because these accounts are being reported inaccurate on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is perhaps not the correct venue but I do not know where else to address this matter. I am currently required to pay PMI and have petitioned to have it removed from my current mortgage. The response that I received from The Money Source , the current mortgage holder, that I did not have enough equity in the property was a bit surprising as when the house was appraised by XXXX XXXX XXXX, the previous mortgage holder, was for {$320000.00}. The balance is now ~ {$240000.00}. If my math is correct, this " equity '' should release me from the monthly PMI payment. However, I have been informed that since my mortgage was sold to The Money Source, my realized equity was erased essentially and started all over. If this is reality, then every time I reach a point of 80 % my mortgage will be resold and I will be required to pay PMI for the entirety of the 30 years regardless of equity realized. 
This has the appearance of mortgage companies assuring PMI payment collection and fixing the market against consumers in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We had this loan since XXXX and never missed a payment until 2 years ago they repossessed it. We paid all the fees and got it back. we were good until this past year when I lost my job. I did get another job and tried to make payments and the bank has already charged off the vehicle and never told us. They have been calling us and trying to work a deal out as the lowest they would go was $ XXXX. They wanted 4 payments of {$1600.00} each, something like that and there is no way we could do that. They are now going to repossess the vehicle and give both me and my daughter because I was a co-signer a 1099-C. I understand the concept as credit cards do that, but how can they give us both a 1099-C? That is over {$16000.00} between the both of us. We owe {$8300.00} and we have tried everything, sell it, auction it, trade with dealer. No one will give us not even {$2000.00}. The dealer will only give us {$1500.00} and that was 3 dealers. I can not get the car inspected, it needs so much work and I am afraid to put the money into it and then they take it. All these months I could have been making payments I could have afforded which was $ XXXX/month. could not because it is charged off already back in XX/XX/XXXX or sooner. Not sure exactly when. The interest rate is 16.99 % and they have made their money 10 times over. What can I do? I want it fair and legal. We do not get statements anymore for a long time so I do not have full account number.

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 2022-11-30
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account XXXX XXXX, Account XXXX XXXX, Account XXXX 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a fraudulent credit card account opened in using my personal information. The account was opened in XXXX of 2018 and this still hasnt been resolved. Ive been getting the run around for almost two years and my credit score has been destroyed because of this. I had no choose but to hire a lawyer. Once my lawyer was hired Discover started to cooperate and we received a letter stating that the trade line will be removed from my credit file. Once I thought this was resolved Discover started stalling again, and not only had the negative, fraudulent account remain on my credit file, it has been moved to collections, furthering the damage to my credit score. This is my last attempt to resolve this as I will be hiring my lawyer again to pursue legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, My name is XXXX XXXX and I have just recently opened up an personal account with Navy Federal Credit Union. 
I heard nothing but great things about Navy Federal CU until today XX/XX/XXXX @ XXXX. 
XXXX from personal account was very professional, helpful and courteous. He explained to me all the benefits of opening up an account with Navy Federal and transferred me to the XXXX Department. 
I spoke with a XXXX who asked me what type of business is XXXX XXXX XXXX and I told her we are XXXX XXXX XXXX XXXX XXXX and we offer our clients advice on XXXX XXXX XXXX XXXX XXXX, she then asked me about credit repair, I stated we hope to offer that down the line and she stated we can not open this account because of that and I stated I am not operating credit repair NOW, we are financial consultant and help individuals with different aspects of their financial plan, there is no way we are practicing or doing ANY type of credit repair. I then asked to speak with a supervisor by the name of XXXX who I believe to be very unprofessional, she came onto the phone chuckling which lead me to believe she was communicating with XXXX, XXXX did not provide me the opportunity to explain what my business is and just assumed because XXXX mentioned to me about credit repair that Credit repair is what I do and I do not operate nor have any clients at this time who I do credit repair, I stated maybe or possibly down the line I may consider but that was not good enough for Navy Federal and they refuse to open up my Business Acct. based on a possibility and that is not right, at this point XXXX was being very immature and would not provide me with further details of how I can remedy this issue, she was rude to the point I hung up on her ( I ask that you play the recording back to hear the conversation ), I then called back to speak to another supervisor by the name of XXXX who pretty much stated according to her documentation she is not able to open the account w/out giving me the details as to why. I directly told her that I am not operating XXXX XXXX XXXX business at all right now. I would like a call back from the XXXX, XXXX or someone who can assist me with this matter. 
Thank you, XXXX XXXX Acct. # XXXX My Business Name : XXXX XXXX XXXX Established in XXXX and Operating since XXXX We are Financial XXXX  who offer clients financial analysis of their finances. We consult on assets, expenses, income and help our clients create a financial plan to reach different types of goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I XXXX is XXXX I set up a payment plan with National Collegiate Trust with a balance of XXXX. I have made payments monthly to XXXX XXXX XXXX and they have recently called me to say I still owe XXXX as of XX/XX/XXXX. They refuse to settle this debt and explain why my balance is still original and refuse to send me a breakdown of my payments made. I ask these questions, am put on hold for lengthy periods of time and I believe someone is stealing my money between the two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a Hard inquiry on my credit report that was n't authorized by me. I believe it was for a Pay Pal account but I 'm not sure

Company response to consumer: Closed with explanation