BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.

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 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 applied for a credit card on XXXX XXXX and it wasn't as described in the the approval so I closed the account on XX/XX/XXXX. I did not receive the card and I did not activate the card and capital one listed the account on my credit about XX/XX/XXXX I called capital one and they verified the account was closed on XX/XX/XXXX this account was never activated or opened in any form only applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar/MrCooper is reporting a late in 2016 that was not my fault. It was XXXX XXXX error. XXXX XXXX  has notified the mistake on their end. This late is not my fault and should be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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:
In recently reviewing my credit report, Ive discovered XXXX discrepancies still being reported on my credit report. I have contacted XXXX XXXX and verified that the payment history on my credit report is inaccurate. I have contacted Experian and sent proof of payment history twice and this information still has not been corrected. There are no late payments for the following dates as I advised Experian and sent proof of on time payments. I have also requested the name of the person Experian spoke with at XXXX, copies of any documentation from XXXX stating payments were made late. As of today I still have not received this information. 
XXXX XXXX No Late Payment for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an equity line with PNC Bank. I have not received a statement from them since XXXX of 2018. They will not allow me to set up an online account. I have written letters to them and complained to customer service reps who have been unable to help. I continue to make my payments but have no idea of my balance and if the payments are going to the correct account. To make payments I either have to call and pay a XXXX dollar fee to process a phone payment or handwrite an envelope copy my XXXX payment ( again ) and hope they put it in the right account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax website confirmed that my personal data has been hacked. They are offering a free fraud alert at all three credit agencies, but it is only good for 90 days. I want a free CREDIT FREEZE at all three credit agencies for many years ( while the thieves could be using my data ). Not only do they NOT offer this free protection, there is NO WAY to speak to a human being at Equifax. The temporary phone number they have given is for a 3rd party agency that can not answer any of my questions, and is not willing to offer free freezes. The temporary phone number allows me to talk to a human being, but the only thing that human being is able to do is refer me to the website and other phone numbers that are PERPETUALLY busy. I am unable to contact them to DEMAND a free freeze all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts are more than 7 years old. They refuse to remove in the statutory time frames required by law. These items were included in a bankruptcy which is more than 7 years since since the discharge date. 

1. Account Name XXXX XXXX Account Number XXXX -- Discharged through Bankruptcy Chapter Status Updated XX/XX/XXXX 2. Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 3.  Account Name XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX 4. Account Name XXXX  Account Number XXXX Status was a account opened via fraud, company will not remove. 

5. Account Name XXXX XXXX Account Number XXXX Account Type Credit card Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX 6. Account Name XXXX XXXX XXXX XXXX Account Number XXXX More than 7 years past the original date of XXXX 7. Account Name XXXX XXXX XXXX Account Number XXXX Status, more than 7 years after date of last debt issue, was included in bankruptcy

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 2018-04-02
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: Information belongs to someone else

Complaint:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :

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 2019-08-22
Company: DHI Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX and XX/XX/XXXX I went through a VA Loan process with DHI Mortgage of Texas and I was denied because of my XXXX status. 
Also, Lender Reps states my denial of VA Loan was rejected because it was also because of my filed and incircumstance Bankruptcy Chapter XXXX of XX/XX/XXXX and Foreclosure of XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX. 

In which Foreclosure was unlawful conducted by the Law Firm of the VA XXXX XXXX XXXX XXXX to protect the best interest of XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX  XXXX XXXX, New Jersey in which VA Loan and Appraisal value was inflated to make a huge profit over {$80000.00} for builder. 

In regards of this respectful complaint against DHI Mortgage VA Loan consultant XXXX XXXX stated to my Texas Real Estate Agent XXXX XXXX XXXX that my VA Loan wasn't going to be approved because of my Bankruptcy, XXXX Status and Foreclosure. 
My Real Estate Agent had to refer me to VA Lenders to support me in obtaining a loan and purchase of XXXX new construction inventory home. 
DHI Mortgage and XXXX has a business partnership and for me to get the incentives for cost of closing cost paid in full, Washer & Dryer, Stainless Steel Refrigerator and blinds throughout the house and motor for garage door with remote control. 
I would have to go through DHI Mortgage.to get all the incentives and 2.9 percent buydown. 

Did DHI Mortgage violated my ADA Disability Civil Rights Act under the Department of Justice. 
I appreciate the support of XXXX builder Rep Mr.XXXX XXXX in supporting me as a Military Veteran in getting me financial Assistance through Home For Heroes and Military Veterans Programs through XXXX incentives. 
But respectfully I need much more financial incentives assistance to purchase the home to keep mortgage payments affordable under {$1600.00} a month with property tax and home insurance and HOA dues included in escrow. 
Full closing cost paid in full by DHI Mortgage and XXXX and less money out of my pocket is what I need to be in prosperity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Citizens One Home Loans granted me a COVID forbearance which was to end in a payment deferral as of XX/XX/21. I resumed my mortgage payment as directed yet because their systems were not updated with the COVID forbearance information they reported me delinquent on XX/XX/21 which brought my credit score down from XXXX to XXXX. 

I was told the past due amount was added to the end of my mortgage and would be due at maturity. This was a government program where customers are told it would not affect their credit. They are reporting customers as delinquent when their program ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, AArgon collection is reporting that i owed {$680.00} on bureaus. I sent validation letter on XX/XX/XXXX to the address on file ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ). The letter came return. I concluded that they are reporting wrong address on my report so it need to be deleted. 

After doing some researches on XXXX, I found a new address ( XXXX XXXX   XXXX XXXX, XXXX XXXX, NV XXXX ). I send them a second letter on XX/XX/XXXX ( received XX/XX/XXXX ). I got a response sent to me onXX/XX/XXXX and I got it on XX/XX/XXXX.They failed to validate the debt, they did not send me a contract with my signature stating that I have an obligation to pay Aargon Agency XXXX 

I sent a 3rd letter on XX/XX/XXXX, they letter was received on XX/XX/XXXX. I request a validation of the debt again or simply Deletion of the derogatory item. On my report the account is now showing " closed '' instead of a deletion. I am requesting this item to be removed from my report for no validation. 

Also the amount report on my credit report is {$680.00}, in the letter the send me the amount $ mentioned is XXXX. This is an inaccuracy and is wrong reposting on my report. I am requesting a deletion of this item.

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 2018-07-30
Company: BMW Financial Services NA, LLC
State: PR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with fraud alerts or security freezes

Complaint:
Back a year ago, I received a fraud form to be return to BMW Finance. I  did return the form but never heard from the again. 

About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car. 

Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: MI
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Opened a Business Home Depot Commercial Credit Card XX/XX/XXXX. Account had charges of {$160.00} paid on XX/XX/XXXX. The account was assessed late fees and other fees. I was not aware of charges and did not receive statements indicating there had been charges on the account until Citi Bank called me indicating the account was past due. I stated so Citi Bank since I did not receive statements and was unaware of the charges, it was unreasonable to request these fees be paid. I stated I would not pay for the late fees and demanded for them to be removed as I paid the charges in full. Citi Bank did not comply. XX/XX/XXXX I received a written notice from Citi Bank indicating the account was delinquent by {$35.00}. I have not received any documentation from Citi Bank since XX/XX/XXXX until this notice I received in the last week of XX/XX/XXXX. I have disputed these charges in XX/XX/XXXX and am disputing them again. I spoke with a Citi Bank collections representative XX/XX/XXXX and he indicated the balance was {$99.00} and the account has been sent to a collection agency. Representative would not indicate the discrepancy in the amounts of {$35.00} and the {$99.00} and attempted to redirect me to the collection agency, I denied. This account was closed by Citi Bank in XXXX. I can not access the account online nor any statements. I have requested statements from Citi Bank and representative indicated the request will take 30-60 days to receive statements from XX/XX/XXXX to 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 2018-03-09
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I try calling no one has gotten back with me I disputed it over and over. They trying to charge me for something that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or 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 2018-05-02
Company: EQUIFAX, INC.
State: MO
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 disputed the medical bill on the basis that I have contacted the original creditor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to confirm information reported on my credit file for Equifax, and the original creditor confirmed by way of phone contact that I never had such account with their office. As such, XXXX XXXX has never attempted to collect any debt, nor referred any account for collection to XXXX XXXX XXXX. 

I have contacted XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) by way of phone at a later date and was informed that an error had been made when I was previously advised that I never had such account with their office and that such account does exist, but the matter will be further researched. I requested a written notice containing : ( 1 ) the amount of the debt ; ( 2 ) the name and address of the creditor to whom the debt is owed ; ( 3 ) confirmation of their receipt of my dispute regarding the validity of the debt, or any portion thereof ( 4 ) verification of the debt or a copy of a judgment and a copy of such verification or judgment ; and ( 5 ) the name and address of the original creditor, if different from the current creditor. 

Despite my repeated requests, at this date, XX/XX/2018, the original creditor has not provided verification of the debt or responded to any of my verbal and written requests regarding the validity of the debt. In fact, I have advised the original creditor, XXXX XXXX ( affiliate of XXXX XXXX XXXX Hospital ) and the collection agency ( XXXX XXXX ) of the lien waiver document pertaining to XXXX XXXX XXXX Hospital, and the original creditor and collection agency will not acknowledge the lien waiver. Furthermore, Equifax has acknowledged that my credit report does not provide the address of the original creditor, and not providing the original creditor 's address has caused undue hardship in that I have made futile attempts to contact the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Rate and Term refinance with NewRez in early XX/XX/2021, Loan number XXXX. The company is now not responding to emails, phone calls etc. The loan is locked and I provided all documentation within an hour of request ( s ). The interest rate is not what they advertised on their mailers but I was ok locking at 3.125 %.

Company response to consumer: Closed with explanation