BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received a letter from a debt collector by the name of Convergent Outsourcing , Inc . They say the creditor is XXXX XXXX. 
Amount {$120.00} Account numberXXXX Convergent account # XXXX I already informed XXXX of this false information because I had received another letter and called XXXX to see what they were talking about. They couldn't find anything and we had determined it was the scammers that had been contacting me since XXXX when I switched to XXXX and when the Cyber attack happened. More they sent a letter that I'm in collections with a phone number, address, and it states no online pay available. I called the toll free number they have on the letter but it is closed today in the XXXX hour on Sat XXXX XXXX. I have not ordered anything new with XXXX ; earlier in the week l when I spoke to the the XXXX expert and gave him the account number he couldn't find any account tied to me. These people are emailing, calling, and texting everyday! It is starting to become confusing when it is really XXXX emailing me. At this point I'm missing out on real, actual emails and opportunities from XXXX without extensive research. They call, text and email all day while I'm at work. It doesn't matter if you block the calls, they will go generate another number. They are and have disturbed the little peace I have left. It has become really stressful while I'm at work and when I'm trying to enjoy my time off with my family. I have more calls and texts from them than I do from people I know. They refer started calling my other numbers that my children have under my account. And they are using local area codes. With XXXX as the caller id.

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 involves Transunion credit reporting again. I have had issues with them on at least two other times mixing up my credit report information with another person 's information. 

I was applying for a new job on XX/XX/XXXX and I was unable to unlock my frozen credit report on Transunion because my identifying information did not match. I called them up on XX/XX/XXXX and they told me I have an error on my credit report record once again a mixed file error. This is now the third time this has happened. Same problem. I called them twice already to fix it and it seems to keep happening they can not seem to fix the problem. How did my credit report get changed at all when I had a credit report freeze on it? 

I would like for this to be investigated and for Transunion to finally figure out how to fix this problem once and for all so it does not happend again. I have no confidence in Transunion 's ability to fix problems at this point. Three times is way too much for a probem to happen with Transunion.

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 2017-10-05
Company: Experian Information Solutions Inc.
State: OH
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 XXXX sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to Experian on XXXX/XXXX/XXXX they have responded with the account was updated Not 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department It is now XX/XX/22 no response via email

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-24
Company: Ditech Financial LLC
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: Public record information inaccurate

Complaint:
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Under my findings 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) I can not be discriminated against for any Type of credit transaction I was denied a line of credit however a credit transaction took place with this company Now i feel discouraged of applying for any future lines of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called on : XX/XX/XXXX at XXXX XXXX  I received a call reporting to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I am to contact a legal group about a debt. They provided no information on what the debt is for, but said I had 24 hours to reply or they will take me to court. I requested documentation on the matter and they said to reach out to the law firm. 

Law firm in question is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. 
Website which looks fake - XXXX XXXX XXXX  Called their number, left a message and had no call back. 

Call 2 : XX/XX/XXXX at XXXX XXXX  Received a call in the morning from " XXXX XXXX '' saying that they have not been told of any actions and that I will be taken to court if this is not done by tonight. 
15 minutes later I am then called back about the so called debt which they refuse to provide me documentation outside of an email. They asked to verify my last 4 social, which is all that ever shows up on letters or other reports and my email. He was very unprofessional. 

Current balance : {$590.00} ( {$290.00} x 2 MONTHLY ) Settlement offer : {$510.00} The email ( copied below ) does not give any history of the loan other than the company name 'Ace Cash Express ' and that I should pay over the phone immediately or be taken to court. The 'lawyer ' also said he is pushing to go to court to make more money. So refusing to provide me proper documentation for personal gain. 

Email came from : XXXX XXXX XXXX I feel I am to assume that all lawyers there use the same email address. 
XXXX Email received : Please be advised that all rights and obligations of the aforementioned account are with XXXX, XXXX XXXX  XXXX. Our office has retained the rights to assist you in bringing your delinquent account to a close. 

You are being offered a settlement to close your account for {$510.00}. Once the payment ( s ) post to your account : it will be considered Paid in Full. Payments can be processed over the phone with a pre-paid, debit card or credit card on or before XX/XX/XXXX. If funds are charged back, this letter will be null and void. 
If you have any questions relative to the above referenced account, please do not hesitate to contact our office @ ( XXXX ) XXXX, Monday through Friday XXXX. Please refer to the file number indicated above. 

Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CITIBANK, N.A.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home refinance with Citibank is stressful and frustrating because they refuse to accept my letter that certifies I am receiving service-connected XXXX compensation from the Department of Veterans Affairs .

Regardless of what I told them ; and even after a 3-way call with me, my loan processor and a VA benefit Rep that said the official letter is the only letter the VA issues, the Citibank Underwriter still said the same thing : We will need some type of communication that you have received or can request from VA that shows the terms or when it will need to be re-evaluated for the benefit continuance. Do you have something to verify it is a lifetime benefit or something to show you must go every so many years to be re-evaluated so the benefit will continue? Do you have any type of communication with the stipulations listed on how the benefit continues and for how long?

I had 4 different loan processors that I had to deal with, ( and someone that asked me for some kind of title authorization ) that is not counting my loan officer and someone who was just referred to as the " Underwriter ''.

Only the Personal Processor and my Loan officer seemed interested in moving my application forward. Regardless of what my Personal Processor said to the Underwriter it was always kicked back to my Personal Processor as unsatisfactory.

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 2019-04-03
Company: Guild Mortgage Company LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe that I have been financially damaged due to a Predatory Mortgage loan. In XXXX of XXXX I was sent to Guild Mortgage by my realtor. Guild Mortgage pre-qualified me for {$200000.00} to purchase a home. On XX/XX/XXXX I purchased a home for $ XXXX@ XXXX % interest. My income at the time was $ XXXX. I also provided them documentation regarding my auto loan payment & other debts. This is my first home purchase. I have very little debt related experience and trusted my realtor and Guild Mortgage. 
My current income is now is $ XXXX and I still can not afford to make full payments. They have told me they will foreclose on my loan XX/XX/XXXX if I do not pay {$2200.00}. I am selling everything I have including the lawnmower in order to prevent it. 
Guild Mortgage has been aggressive and misleading to me regarding the status of the loan and what possible options available to me throughout this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a creditor of XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed 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 explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the fraud alert removed. It 's okay now.

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 2021-11-06
Company: Paypal Holdings, Inc
State: MI
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:
XXXX XXXX IRS Complaint I cant access my account and i once reported to irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX-XXXX  XXXX XXXX for them to release my ( or my minor childrens ) medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX - XXXX credit card Plus XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2018, I contacted XXXX XXXX, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different XXXX people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score XXXX points for being 40 days past due. It took much longer than 40 days to work through this process with XXXX to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX or 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 2017-12-27
Company: Experian Information Solutions Inc.
State: IL
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:
Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is XXXX. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to XXXX and they still have failed to properly investigate and remove these accounts : XXXX XXXX XXXX ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.

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 2017-10-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother who was a US Veteran XXXX in XX/XX/XXXX at the VA hospital. Prior to her XXXX  she was adamant that she had drafted a will and the property was being left to my XXXX brother and myself. Unfortunately, we could not locate the document after she XXXX and was required to go through the probate process. Also of note was the fact that my mother said that she had life insurance to cover XXXX and XXXX expenses but the monthly payments were switched from autopay at some point during her last year of life and the policy lapsed 12 days before she XXXX. Essentially all the expenses for her XXXX and the mortgage payment fell to me. I used every dollar of credit I could to make sure she was able to have a dignified XXXX service. I quickly started drowning in debt and became 90+ days behind on all my creditors and eventually have had multiple creditors close my accounts since the XXXX. Because of this extremely dire financial situation my goal was to sell the property as soon as possible and make all creditors whole again. The problem is that I could not afford a lawyer to help with the probate process so I could not legally speak on her behalf to the bank and/or sell the house without being designated as the executor of estate. My hands had been completely tied until late XXXX of this year when we were cleaning the property and actually found her will. After finding the will, I was able to get the state to designate me executor of estate ( XX/XX/XXXX ). I knew there was a sale date on the property set for XX/XX/XXXX so I immediately signed a contract with an investor to purchase the property, as-is and pay the mortgage off. The investor agreed to a specific amount and a week later came back and offered {$25000.00} less than the agreed terms so I declined and searched for a new investor to purchase the property. I then signed a second contract with another investor and they came back a few days later and wanted to give us an amount that was {$17000.00} less than what we agreed. As the executor of estate my responsibility is to ensure all financial obligations my mother had at the time of her XXXX are reconciled. I want nothing more than to pay off the mortgage and also get myself back out of debt as well through the sell of the property. I am requesting more time to get a realtor and put the house on the market. If the bank can put a hold on the upcoming foreclosure sale so I have time to market the property properly then I know we can come to an amiable solution for everyone.

Company response to consumer: Closed with explanation