BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Experian Information Solutions 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 have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. XXXX and transunion both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS

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 2019-07-02
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account got transferred to PHH Mortgage Services from Ocwen back in XX/XX/2019. Either Ocwen nor PHH Mortgage has sent me any letter stating account was scheduled to be transfer or has been transferred. I called to make my XXXX 's   mortgage payment and that is how I found out the account has been transferred. Called PHH but they have been refusing to accept my mortgage payments with one excuse or another. And now, they are saying only way I can make a payment is to pay four months worth of mortgage payment. According to my record, I owe for XXXX, XXXX and XXXX, as of my last conversation with PHH, which was on XX/XX/209. I request they provide a detailed account transaction history so I can see how they are saying I am behind for XXXX, XXXX, XXXX, XXXX and XXXX. I also request they immediately accept my payment and we can figure out why there is discrepancy in the meantime. I also request they correct their error and send all correspondence to my XXXX  XXXX XXXX, XXXX, WA XXXX, address. I also request PHH to correct their error and start sending me monthly mortgage statements which they have failed so far. I have included more detailed complaint and I request to use this note in conjunction to more detailed complaint attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Information belongs to someone else

Complaint:
Experian continues to report negative information on my credit report that is fraudulent and does not belong to me. They are in violation of the FCRA.

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 2021-02-12
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax deleted my current Student Loan causing my credit score to drop over 50pts. My account is current and up to date. My loan servicer which is XXXX XXXX is reporting to them monthly. My student loan shows on my XXXX acct and my XXXX account but not on Equifax. I faxed in my ID, tax documents, the loan agreement and documentation that was sent to me by XXXX XXXX on XX/XX/2021. They have stated that they may have split my account in 2 causing the error and that they do not show my paperwork that I've sent in. I verified that fax number several times with them and received feedback that the fax was submitted successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank moved {$930.00} from a Equity line of credit on XX/XX/XXXX that i have which i did not know that i had because i refinanced to another bank in XXXX, Why would they still keep the line of credit on a mortgage that they don't have on my house?? They said it was moved to a XXXX XXXX Checking account with our computer, we do not have a XXXX XXXX Checking account. And XXXX XXXX has confirmed that we are not linked to Chase and XXXX can verify that. Chase will not give us any proof that they moved the money there. We have had XXXX working on this since it all started. Chase has not been helpful at all, we have tried to get a 3 way telephone call with Chase, XXXX and Me with no luck. We believe that some one at Chase either entered in a wrong digit or internal fraud, and they '' re not making good on this. All Chase said is that we did notify them within 60 day deadline that was in my line of credit contract that i signed in XX/XX/XXXX. Show me proof that i did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX I mailed a letter from the bankruptcy courts of Virginia stating they do no verify information with the credit bureau.

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 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Complaint case # XXXX To The Ladies and Gentleman of The Banking Commissioners Office, CFPB, Director XXXX XXXX, Acting Deputy Director and to my neighbors and countrymen.

For all practical purposes, the commission is a front that allows lenders to do as they see fit regardless of the law.

If a consumer complains to the Bank Commissioner about a lending agency, the case is immediately closed out, once the lending agency responds in writing to the CFPB. This policy does not allow the consumer to rebuttal. This consumer protection policy is " no policy at all '' and is pro lender.

Lending agencies such as Capitol One, know this and hand out gibberish response to complaints that defy logic and they are never examined by The Commission.

Brother XXXX  In God I Trust

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRIAD FINANCIAL SERVICES, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-07-02
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account in full do not owe. I talked to customer service reps several time saying I still owe. I am being harassed at home and by mail. Harsh collection tactics

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 2022-08-12
Company: The Savings Group, Inc.
State: AZ
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 submitted my personal details to XXXX in order to pre-qualify for a new vehicle purchase. This was required as XXXX does not openly disclose its rates but instead submits borrower 's information to lenders to match them with an offer. 

Per XXXX XXXX own FAQ ( XXXX ) : " During the application, we do a soft pull on your credit that will not negatively affect your credit score. Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I also received an email confirming the same : " We run the numbers and find you our best rates and terms, all without affecting your credit score. '' Both the FAQ and email confirmation are attached. 

Despite this, XXXX immediately performed a hard pull on my credit, negatively affecting my score.A representative from XXXX ( XXXX XXXX ) called to discuss my application. I asked why a hard pull was made and he answered that they do so before sending applicants ' information to lenders so I can be matched with the best offer available to me, rather than individual lenders having to run a large number of separate pulls. 

I reiterate : I did not choose an offer for lender approval, and per the FAQ and confirmation email, a hard pull should only have been made AFTER I did so. 

This is a deceptive practice which has harmed my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: KEYCORP
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Cavalry Portfolio. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Cavalry portfolio in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 respectfully request that the company offices provide me with competent evidence that I have authorized the companies to pull my credit or else remove the inquiries from reporting 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 explanation
Consumer complaint received 2021-08-23
Company: National Credit Adjusters, LLC
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:
I checked my credit to see that NATIONAL CREDIT ADJUSTERS ( Original creditor : RISE ) is still reporting a balance for a trade line I settled with the agreement that it would be deleted within 60 days. It's been more than 1 year and it still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MN
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 respectfully request that the company offices provide me with competent evidence that I have authorized the companies to pull my credit or else remove the inquiries from reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I saw 3 " Hard Inquiries '' listed on my credit reports that I do not have any record or recollection of authorizing. They are all dated in XX/XX/2019. I would like them removed and the fraud, if found, investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I contacted Transunion to resolve the issues i have with my credit report and their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Also in XX/XX/XXXX, I mailed documents to Transunion telling them about these issues about the inquiries i have on my report. They told me i did not send in any documents but they were sent certified mail. 
In XX/XX/XXXX i worked with a credit repair service whom also mailed certified mailed documents to Transunion but no actions were taken. 
In XX/XX/XXXX i spoke with Transuion to let them know my social security number was compromised and a freeze was placed on my account. But they are still allowing me to have issues with my account. 
I would like to get these issues taken cared of quickly as possible. I have been trying for the last 2 years to get Transunion to take care of an issue and i haven't received any help as far. 
I would like these inquires removed from my credit report in a timely manner.

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 2017-08-08
Company: EQUIFAX, INC.
State: NC
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 copies of my payment history which was provided from XXXX XXXX on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against XXXX XXXX as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, XXXX XXXX has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that XXXX XXXX needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to XXXX XXXX, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Gave an offer of 5 % which was started a few weeks ago and finished up recently. Prior to applying, they did not advise It had expired nor updated the rate online in the application. Once I sent income verification, they counter offered to a rate that was nearly double the original offer. I was told that It didnt have anything to do with my credit or income, only the fact that the offer had expired. I wouldnt have applied if they had mentioned the new rate and they refuse to honor the original terms. This is clearly a bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is not mine. 
Based on the letter they can not try to collect fee, fees in addition to the principal owed.

Company response to consumer: Closed with explanation