BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On all 3 credit reporting agencies are showing closed and paid accounts longer than 7 years on my credit reports. 
1. XXXX XXXX. Closed on XX/XX/XXXX 2. XXXX Closed on XX/XX/XXXX 3. XXXX, Closed on XX/XX/XXXX 4. XXXX XXXX XXXX closed XX/XX/XXXX 5. XXXX  XXXX Closed on XX/XX/XXXX 6.XXXX, Closed XX/XX/XXXX Also they are reporting my address as incorrect with associated to a business of contracting. Need to remove the business note. 
My address should reflect as XXXX XXXX XXXX XXXX XXXX WA XXXX. 

Employment is showing incorrect as I work for XXXX XXXX XXXX- XXXX and XXXX only. 
Phone numbers are incorrect. Should only be 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 2021-06-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo has a loan listed as outstanding on my credit report. This information is false not only has this account been closed, they have also sent me the title/lien release with a letter stating there is no outstanding balance. Yet they are reporting that there is an outstanding balance. Ive asked for this incorrect information to be removed, to no avail. This incorrect information is still 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 2018-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Navient placed my student loans into forbearance without my knowledge or consent. Moreover, on XX/XX/XXXX, I contacted them and requested my loans be taken out of forbearance but was told they were unable to do so. As a result, I have been prevented from earning credit for on-time payments towards both PSLF and general discharge, as well as preventing me from receiving the reduced interest rate available to individuals who use auto-pay. Given the recent unsealing of Navient 's internal memo which directs staff that " Our battle cry remains forbear them, forbear them '' I feel that this is done intentionally to defraud consumers and increase profits. Moreover, Navient fails to disclose to borrowers that their loan balance may be forgiven after a set amount of qualifying monthly payments, but forbearance prevents them from making those monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Acceptance Rentals, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or around XX/XX/XXXX, Acceptance now at XXXX XXXX in XXXX XXXX Va was advised via a phone call that payment would be made on XX/XX/XXXX. They proceeded to make two phone calls on XX/XX/XXXX and left two voice mails on my cell phone. One at XXXX and another at XXXX. In the 2nd message the man stated " calling in reference to my commitment to make a payment today still need to get that payment in today call us back at XXXX ''. Never stated his name and made reference to a debt owed on my voice mail. When I called back and requested to speak with the man who had just left the message on my phone, I was not given his name as he would not give it to me, only kept saying what can he do for me. I advised him I told them the payment would be paid on this date and they have called me twice and left two messages on my voice mail. The day is not over yet and the payment has been made. He never apologized for the multiple messages or his disgusting attitude towards a customer. I would never recommend anyone to do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company calls me everyday and does not say anything when I answer! when I call back, its an automated call rather than an human, They even called my XXXX yr old XXXX  phone and falsely reported on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Diversified Consultants, Inc.
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the original creditor and let them know that this account did not belong to me. They notified me that this account was sold to Portfolio Recovery associates LLC. THIS ACCOUNT DOES NOT BELONG TO ME! Please investigate this matter and remove this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.

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 2020-05-03
Company: TRUIST FINANCIAL CORPORATION
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:
In XX/XX/2020 I contacted SunTrust Bank to authorize {$1200.00} mortgage payment for the month of XXXX. In XXXX I found out that they had reported to the credit bureaus that I was delinquent for my XXXX payment when the money had been sitting in my bank, XXXX XXXX, all along waiting for SunTrust to take it. At no time did they contact me to find out if there was a problem and since the money had been deposited for the XXXX payment, I did not think there was one.  This error on SunTrusts part has caused my credit rating to be lowered when I was not at fault and this is an error on their part. I am actively working to try to correct this adverse report which has affected my credit rating and have contacted the bank numerous times. To date, they have not anything to correct the incorrect delinquency report they provided to the credit bureaus.

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 2019-09-21
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX Equifax Information Services, LLC et al, XXXX Vs XXXX, and XXXX  Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Equifax Information Services, LLC et al, just can't use the XXXX System because its not considered reasonable. Equifax Information Services, LLC et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA if this matter isn't handled amicably in ( 15 days XXXX. 

And send me another credit report. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting on 4 / 1/ 2019 and every month since. I have notice that my MR. COOPER. Mortgage Billing Statement is higher than my normal payment. My statement says that my " Regular Monthly payment '' should be {$870.00} but the bill continues to be sent as {$920.00}. 32.  A difference of {$49.00} Which is the amount of my home warrarnty. After calling them every month they continue to tell me that my warranty was misapplied and they will fix it. Currently they still have not corrected this billing error. My current bill say XXXX. I HAVE ALWAY SENT A PAYMENT OF {$870.00}. That is more than the requested payment of {$870.00}. So there is NO shortage or missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in  the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent Outsourcing keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not XXXX enough to start the clock all over again by sending them any money.

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 2019-09-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About 6 months ago, I was charged a fee for depositing money and Chase claimed the check couldnt be found and that wasnt true. Sometime in XXXX, XXXX charged me XXXX dallors and I explained to chase it was unauthorized till this day I dont know if my money was returned to me. Today, XXXX drafted money through debit from my account when I was insufficient and Chase allowed the company to debit funds when I had none available. I disputed the incidents only to have them close my account. I'm sick of them mysteriously allowing companies to take from my account when my funds are low. I believe they are in partnership to take from people when they are insufficient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'VE ALREADY FILED A COMPLAINT. THE ASSIGNED CASE # IS : XXXX. 
I RECEIVED THIS LETTER ( SEE ATT. ) OF WHY THE LOAN WAS DENIED. THE REASON MAKES NO SENSE. 
I APPLIED ON XX/XX/20 WAS WORKING WITH XXXX AND WAS ASKED TO SUBMIT THE LIST OF THE FOLLOWING ITEMS BETWEEN XX/XX/XXXX & XXXX XXXX. : File Uploaded at XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX XXXX XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX   XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX ( XXXX ) .XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX   XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX   ACCORDING TO THE LETTER THE REASON FOR DENIAL WAS : " TYPE OF LOAN NOT PERMITTED UNDER PROGRAM REQUESTED '' MY REQUEST WAS TO REFINANCE MY EXISTING LOANS ON MY PRIMARY RESIDENCE XXXX 

I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME I NEVER CHOSE ANY PROGRAM. 

AND IF THIS SO CALL REQUESTED PROGRAM WAS NOT PERMITTED WHY DID THEY REQUEST ALL THE DOCUMENTS I SHOWED FROM XXXX TO XXXX AND DIDN'T ADVISE ME THAT WE SHOULD PROCEED IN ANOTHER MANNER? 
AS I SAID I DIDNT REQUEST ANY SPECIFIC PROGRAM AND THEIR REPRESENTATIVE XXXX WHO I SPOKE TO ON AT LEAST 10 DIFFERENT OCCASIONS NEVER TOLD ME OF ANY PROGRAM OR ADVISED OF ANY ERROR IN THE REFINANCING. 

THIS SEEMS VERY SUSPICIOUS AND AS I SAID IN MY INITIAL COMPLAINT I BELIEVE CHASE DOESN NOT WANT TO ALLOW THE LOAN TO BENEFIT FROM A LOWER RATE. 
THESE ACTIONS BY CHASE ARE DECEPTIVE ACTS AND PRACTICES IN MY OPINION.

Company response to consumer: Closed with explanation