BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2020 XXXX XXXX made a hard inquiry to the 3 credit agencies and Equifax 's score based on FICO Classic V5 Facta indicated a " Key  Factors effecting score '' to include " Level of Delinquency on Accounts '' and " Number of Accounts with Delinquency, '' however, when I reviewed my Equifax credit report, generated XX/XX/2020 with an Equifax agent, we agreed that there was nor have there been any delinquencies. Equifax indicated there is nothing they can correct if there is not a specific item I am disputing, so they have taken no action. I spoke with XXXX XXXX this morning, XX/XX/2020 and they confirmed this information is provided by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery Associates LLC just had some one show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My homeowners Hazard Insurance was hijacked by a partner company of my mortgage company ( Mr Cooper ). They simply stopped paying my old insurance then more than doubled my rate under their partner. My old insurance was with XXXX XXXX for many years without incident or problem. My mortgage company was Nationstar but they changed their name to Mr Cooper and that's also when they stopped paying my insurance from escrow. 

I made no changes from my end for them to do such a thing as hijack my existing insurance and then raise my mortgage {$200.00} a month for a very poorly rated insurance company XXXX XXXX. 

I had to pay {$4400.00} for the first year while my old insurance was {$1600.00}. I have now gotten new insurance which is only {$900.00} a year but I fear they are going to hijack my insurance again. They require you to pay it from escrow, but then don't pay out leaving you without insurance. 

How is this legal? This mortgage company ( Mr Cooper ) has already faced government scrutiny and paid heavy fines under the brand Nationstar. Changing their name has not changed their methods. Also XXXX should be properly investigated. 

I'm out at least {$5000.00} for 3 years of over-payments. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I keep getting robo calls from a specialized loan servicing vendor at XXXX : " Hello this is specialized loan servicing this attempt is to confirm whether or not you have have been affected by the recent disaster in your area please contact our customer care department at XXXX we are available Monday through Friday XXXX XXXX to XXXX XXXX  mountain time. '' XX/XX/XXXX they have called seventeen times and left seventeen voicemails. 

The dates and times of these calls are : XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 

This provider is the second mortgage on my XX/XX/XXXX which was originated at the height of the XXXX bubble. The primary lender paid for an inspection of the property and hasn't bothered me. If they want to know if the property has been impacted, they are welcome to coordinate with the primary lender or pay for their own inspection. 

These calls need to stop. I'm not calling and waiting on hold to waste my time dealing with this seedy third rate servicer just to save then a few bucks. I continue to make payments on time and as expected. The nonstop calls are annoying and as a result I have today blocked their robo call vendor.

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 2021-07-19
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent charge on my credit report. Dated : XX/XX/2021. 
Company : XXXX XXXX Amount of debt : {$1100.00} Collection letter received by Jefferson Capital on XX/XX/2021. 
Spoke to XXXX  about this. They said to contact FTC. 
Account # XXXX I have had XXXX XXXX XXXX as my cellular service for 5+ years. This XXXX XXXX account was opened fraudulently. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Approximately 4 months ago an XXXX XXXX  issued by XXXX XXXX that I have been using for approximately 10 years successfully had changed something in their system where their payment button on the front page of PayPal not only has quit working but displays a statement as follows- Were sorry we apologize our system is having difficulty retrieving your information, please try again later. This is what comes up on the my PayPal page under make a payment under XXXX XXXX. This IS the same button I have been using to make my payments for nigh on to 10 years. # 2, I was told today, NOT when I finally found a way to contact Synchrony & made my last 2 payments here in XX/XX/XXXX that my account had been closed. 
# 3. When I first called XXXX XXXX tonight, I  was prompted to input my social security number and was told I had a XXXX balance and was also told I had zero payment.

due.

# 4. When making my way to the operator of XXXX XXXX, I was finally told that they had closed my  account and I did have a payment due & also a past due payment, this is after making {$150.00} worth of payments this month-XXXX  2018. 
# 5. I was also told that I better not miss a payment because they will add on {$38.00} dollars to my closed account plus {$28.00} interest. 
ANYHOW, i certainly believe that these things constitute deceptive practices.

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 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On the closing documents, they state that they estimate the taxes and insurance ( Enclosed ). as {$1300.00} a month. 
Then they state they didn't pay it. 
And they stated I owe XXXX more and an additional XXXX a month payment. 
From {$5500.00} a month. 
to XXXX a month. 
I have been stupidly paying the XXXX a month, when it clearly states on the GOOD FAITH loan estimate is taxes and insurance is included and my payment is XXXX a month.

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 2019-10-10
Company: Experian Information Solutions 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:
I have contacted Experian on numerous occasions due to their negligence in allowing a credit report inaccurate information on my report in which I ask them to remove with account because of the inaccuracies and violation. They have failed to comply. I had mentioned a timeshare by the name of XXXX XXXX XXXX is appearing on my report and shows a past due amount of " XXXX '' however the account states- written off and past due amount. This is inaccurate once a account is closed/written off/charged off it must state paid/closed with a {$0.00} balance. My account does not and I expressed this is a violation and must be removed yet they have failed to do so. Additionally they were reporting after the account was closed on my report which was XX/XX/2018 and reported again XX/XX/2018, this again is a violation. Furthermore, the terms states 10 months. Where did they get this information from. I had asked in the past to be provided with the proof of how they validated my report, they failed to provide that as well. I feel they are not abiding by the laws set in place by the FCRA or CFPB to protect customers such as myself from being taken advantage of. Additionally, they provided me a report in which my name wasnt even spelled correctly.

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 2020-09-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Reported fraudulent transactions on XX/XX/26, chase investigated for a few days then rebilled. 

After talking with them early XXXX it was clear they didnt do any actual investigating, just based their decision off internal data. Reopened case and contacted merchants, found that a fake ID was used for purchases, I was able to prove I was several states away at the time the transactions took place, signatures did not match, and the fraudster likely called customer service pretending to be me on XX/XX/XXXX probably asking for a limit increase. 

After the mountain of evidence Chase has to show this charges were not authorized theyre still standing behind their decision the charges were valid due to POS data from a chip card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit 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 2020-10-08
Company: Experian Information Solutions Inc.
State: ID
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:
A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, Experian, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

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 2021-07-19
Company: EQUIFAX, INC.
State: PA
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 sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. XXXX XXXX have not responded. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

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 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Yesterday on XX/XX/2019 at approximately XXXX ( time of receipt ), XXXX from the Capital One Branch bank at XXXX XXXX and XXXX XXXX by XXXX XXXX , issued me a cashier 's check for {$2800.00} that wasn't signed. I deposited it into my XXXX XXXX account at XXXX at the XXXX XXXX XXXX branch , only for me to be notified by XXXX XXXX that Capital One had not signed the check. This caused me overdraft fees and a negative balance. I went to capital one and even called the branch to see how this could be rectified because I have bills to pay and have no cash or funds to pay my bills with, and they told me that they couldn't do anything about it despite it being their mistake. I am now left without any funds and can't pay my bills due to this issue. They also are withholding {$2500.00} of my funds claiming that they are fraudulent XXXX  payments, when in fact, I sent them from my own bank account to myself. They have refused to issue me my full funds so that I can close my account. I took time off from my consulting assignment in XXXX to fly here only to be met with them withholding my funds. I have been calling them since XXXX to close the account and send me my funds, and asked them to do so on three separate occasions ( there are call logs/recordings with proof ), and each time they agreed to do so but didn't hold their end of the bargain. This prompted me to take time off from work to rectify the situation. Please help me resolve this issue so that I can get my funds back from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
NelNet and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Social Finance, Inc.
State: NY
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:
I was added as an authorized user on a Sofi credit card without permission. It is now affecting my credit although I have called the company several times to explain that I have no knowledge of the card nor was my permission given to add me to the account. It has been reported to the three credit agencies and two of them refuse to take it off stating that it remains that I am an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: PA
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 XX/XX/2019 I paid in full a debt owed to XXXX XXXX XXXX. As of today XX/XX/2019 after numerous contacts with Experian and XXXX XXXX XXXX whom stated they have updated the report to reflect paid. I also provide Experian with a copy of the letter and receipt that proves payment was made in full. Amount owed XXXX amount paid 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 2019-07-13
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Furthermore the name on the statement along with the address is inaccurate. Upon contacting the original creditor they was able to pull up an account with the name used on the statement which they claim is validation. She told me the account was closed in XXXX. However they have it reported on XX/XX/XXXX? Seems to be to me they are attempting to re-age an old debt. Not only that, but the amount they have reported is {$870.00} and the amount they have on the statement they sent me is {$870.00} I know this information has to match exactly. I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in theyre reporting. I have attached my birth certificate as well as my drivers license. I have also included what I sent them, when they signed for it and what they sent in response to this invalid account on my credit.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG 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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Again, TransUnion is reporting " XXXX XXXX '', which was deleted and reappeared without notice. I filed a complaint on here and they responded that it was put back on in error and they would delete. It is still showing on my credit report and needs deleted immediately and NEVER placed back on.

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