BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: Convergent Resources, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled internet service with XXXX as they did not have customer service for deaf customers and their internet service failed to my home. Their response was always " call us '' but they did not have TTY and I am deaf. I was billed for several months where clearly I did not have service and thus XXXX failed to meet the minimum contract service requirements. XXXX eventually agreed not to charge me for their failed service, however I have now received an offer from Convergent to reduce the {$190.00} that I do not owe to {$130.00}. 

This is a fraudulent attempt to collect a debt that was discharged by XXXX and which resulted in a number of complaints against XXXX by Colorado customers with similar complaint histories as mine. I NEVER owed CenturyLink as they were notified that I cancelled internet service and continued to bill me after I cancelled service in violation of Colorado law and contract law. Convergent is committing XXXX   by attempting to coerce payment for a " zombie '' debt that XXXX has clearly XXXX from their accounting books.

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 2020-07-25
Company: EQUIFAX, INC.
State: CA
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:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX XXXXXXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXXXXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir or Madam : I applied for a mortgage back in XX/XX/XXXX for an apartment I was purchasing. The apartment was {$240000.00} and was intending to borrow 80 % ( {$190000.00} ) and put down a payment of 20 %. I have perfect credit and had, at the time, almost {$500000.00} in my investment account. In XXXX, I was furloughed from my job as a professor at XXXX XXXX XXXX where I made {$91000.00} in XXXX ). I was told that because I no longer have the job, I was going to be denied. 

Having asked my mortgage broker what to do, he said have your father cosign the loan. My dad is retire, but also has perfect credit and has {$1.00} XXXX in liquid asserts as well as a house worth {$750000.00} that is fully paid for with no debt. They told me they were starting a new application in the beginning of XXXX XXXX I have emails to prove this ), but this was not started until XXXX as attached documents show. 

I was told that because he is retired, we STILL would be denied, but that using all of our income together ( by this time, my investment account had ballooned to {$700000.00} ), I can qualify for an interest-only ARM at a higher rate. The payment would be only {$560.00} a month. I told them to do it, even though I had to refinance after 10 years. Although it was not optimal, I felt I had no choice. 

After waiting 6 more weeks ( this is now almost 5 months and the owners of the apartment were frustrated ), I was told on XX/XX/XXXX that I was going to be denied. 
I just received the denial letter, which claims tha t there was insufficient cash as well as unable to verify income. Both of these are untrue as I was told this would be enough for such a small loan and they were provided all documentation. 

I feel that this was incompetence and misrepresentation of the broker and on the bank to string me along for over 5 months for such a small loan for someone who was furloughed, with perfect credit, a cosigner, more than {>= $1,000,000} in liquid funds, and applying for an interest only loan. 

I believe based on the denial letter, that I was not fairly evaluated ; documents were probably not even looked at ( considering that there is 15 times the amount of cash to back up the small loan ) and was led to believe I would be approved, especially since I have spent my whole life with perfect credit and due to COVID, was furloughed and would soon get either my job back or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX   XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX  ond 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 2019-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019, a person called asking for " XXXX XXXX. '' I informed the caller, that is not my name. She asked if she was just pronouncing it wrong ; to which I responded, " No, that's not my name. You are calling my phone number, but you have the wrong person ''. She continued talking stating she needed to verify that she was calling the correct number. I continued to inform her the name she is inquiring about, is not my name and to please take me off her call list. She refused stating she needed to verify who she was speaking to. I told her she never verified who she was ; not even at the beginning of the phone call, so I'm not going to give her any information. I said, " You called my number lady, I didn't call you ''. After a few refusals of identifying herself, she said her name was XXXX or XXXX  XXXX ; some name starting with an " XXXX '' from Portfolio Recovery. I told her that I know Federal and State laws and how she was calling and I had already informed her she had the wrong person ; was illegal debt collection practices. I told her I no longer wish to receive phone calls ; if she has something to say, the company may send a letter. She then asked, " so do I have the wrong person because we will keep calling looking for our customer? '' I stated, " Clearly, you have the incorrect person. '' Then she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recognize this hard inquiry that appears on my credit report

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 2018-03-21
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In final review step 2 it says I didn't contact Freedom Mtg to resolve but I did. Trying to edit step 2 to change that to a " yes '' said all would be wiped clear so I left it as No. 

Clicked on a link reported to provide current mortgage rates. Ended up starting an application with Freedom Mortgage while we were driving from Connecticut to XXXX. We lost cell coverage and never completed the application. 
My wife and I got letters in the mail saying that our application was denied. There was a block to be checked " Credit Application Incomplete '' but it wasn't checked. There was a box checked on page 1 that said the denial was based upon credit report information. On the second page a box was checked saying that our credit score was used in making the decision. We both have scores over 790 which  Freedom Mortgage reported verbally was excellent. There were also comments typed in, " Amount owed on revolving accounts is too high '' and " Too many inquiries last 12 months ''. 
I called to complain that I didn't want a negative report making judgement about our balances when they didn't even know our income. I only wanted a letter stating that the application was never completed. 
They took the forms and checked the block on page 1 showing the application was never completed. But they didn't un-check the blocks related to the credit report, scores, or remove the comments. They said XXXX  put those comments there. I called XXXX  and they said they don't establish standards for credit approval or denial. I went back to Freedom Mortgage and they insisted they couldn't remove the notes. I told Freedom Mortgage that I was going to submit this complaint.

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 2020-05-04
Company: Southwest Credit Systems, L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have three mortgages that are now being serviced by XXXX. The original lender was a different lender. The terms of our loan is such that the interest rate far exceed what was standard at the time. We are paying nearly 12 % on one of them and almost 10 % on the other two. They were both primary residences at the time they were purchased and we were not told that the loans carried adjustable rate mortgages. 
The mortgage documents were never explained to us at all, nor were we given options. We were not told that the mortgages were adjustable. No part of this transaction was professional nor was it in line with the loan terms of the time. 

We are unable to refinance due to being self employed and they are now rental properties. Both homes are extremely upside down and we are not able refinace or alter the terms of the loan. 

The loans were structured in what can only be described as predatory lending. 

XXXX is the servicer and has even for years. We have tried to work with them and we do n't want to go through the many months needed for loan modification. We would like them to adjust the interest rate to something that is more in line with what the market was doing at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I started having trouble paying our mortgage after my wife was diagnosed with XXXX and quit working. We started the loan modification process, which was a lot of work. We knew there would be applications and documentation that would need to be submitted, but it seemed like everytime we completed a task, suddenly there would be an unseen hoop wed have to jump through. We brought in some help from a local HUD agent, which helped get things moving. We finally got to what seemed like the last step of the process, which was a letter of explanation regarding who was listed on the title of our home XXXX my wifes name is on the title, but not the actual loan ). I drafted the letter, faxed it in within a day or XXXX, I even explained that the title included my wifes maiden name and had since changed since we were married. Well, my mortgage company came back and said I was denied because I was unable to provide a clear marketable title .... My HUD agent tried contacting the company, but could never get a straight answer as to why, other than having my wife listed on the title of OUR home, we were denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was in original Equifax breach reported last year. Was unable to register online for credit protection they offered because link wouldnt work and I was never able to get through constantly busy phone. On XXXX.XXXX.18 I  received another letter from Equifax that I was part of second breach last month. Again link in letter for XXXX didnt work and I was just on hold for an hour and couldnt sign up. I know my ID is at risk and Equifax says I can protect it but their service doesnt appear to be real.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: ALLIANT CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, of this year I applied for a loan though Alliant Credit Union 's online application to refinance my current mortgage, later that day I received an email from XXXX XXXX requesting further information to complete the application. 
I swiftly provided the requested information and subsequently received another email from Mr. XXXX verifying my base salary, he also stated I have you approved and attached todays loan summary. Mr. XXXX requested a few minutes of my time to lock in the rate and review next steps. I replied to his email asking him to call me at his earliest convenience which he did shortly after. 

As soon as Mr. XXXX heard my voice he immediately tried to talk me out of continuing with the loan process, he asked what was my position at XXXX XXXX and I stated that I was a XXXX XXXX  ( this information was on the loan application. ) He then stated that because of my reduction in hours I would not be approved for the loan ( we had no prior discussion about reduction in hrs. ) I asked why he assumed that I had a reduction in hrs and told him that I was not laid-off or on any type of leaves and was not experiencing financial difficulties. I then explained to him that I chose to be on call due to the fact that I would not be XXXX  as much during covid-19 but I am still receiving my pay from XXXX XXXX. I also advised him that I had recently paid off my car loan with Alliant before that end of the loan which is not the actions of someone who was in financial distress. 

I was astonished at the fact that Mr. XXXX had seemly changed his mind about approving me for the loan after calling me. My credit score was still over XXXX and my year to date earnings was still $ XXXX. The only new information he gained from the call was that I am XXXX American, I had to convince Mr. XXXX to continue my loan process which he claimed he would do, but he also had a warning for me that I could loose the {$420.00} which I would be paying for the appraisal if my loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: DE
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:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$570.00} CXXXX XXXX  XXXX Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus 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 2018-07-20
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
the mortgage company is holding on the insurance money that I need to have the repairs done on my home. Meanwhile, I living in the home that has mold, fungus and raw sewage.

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 2017-11-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.

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 2019-04-22
Company: Continental Finance Company, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XX/XX/2019 I noticed an entry from The XXXX XXXX on my credit report. I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX and that letter was received on XX/XX/XXXX. In the letter I stated there was an entry for {$620.00} on my credit report and just to simply get this off my report that I would pay {$310.00} which was half of the debt that was mentioned on my credit report. In the letter I also stated that cashing the check the company would be agreeing to completely remove this off of my credit report with all 3 bureaus and not report this as a paid collection or settled account. The check was cashed by a Continental Finance and when I check my report the entry was completely removed. I was alerted on XX/XX/XXXX that a company by Continental Finance has placed a charge off on my account for {$310.00} which appears to be the other half of the debt that was reported on my credit report. This seems to be a sister company to XXXX XXXX XXXX. So essentially, my money was taken and XXXX XXXX XXXX agreed to the terms of deleting this from my credit report and did indeed removed but turned back around and fraudulently had a sister company list this on my credit report. If there was an issue agreeing to the terms then the check should have never been cashed and a verification letter should have been sent to me and it was not. I have never had any dealing with Continental Finance so I'm not sure why they even have this account and further they are also operating as XXXX XXXX XXXX XXXX, so there appears to be 3 companies operating as one for this purpose. Since the company cashed the check they have agreed to have this completed removed from my credit report so it should not be there and I have kept all documentation. This company should be investigated to see how many consumers they are doing this to. In addition, they should be looked into to ensure that they are abiding by the SCRA ( Servicemembers Relief Act ) laws for XXXX XXXX members of 6 % percentage rate, I don't believe this company is following the law in regard to that and I'm curious how many other XXXX XXXX members are affected by that as a whole.

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 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
I went through my Experian and I did not authorize the inquires stated in the letter I submitted and this is in direct violation of the Fair Credit reporting Act.

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