BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: PHH Mortgage Services Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had this problem with PHH Mortgage some years back. They started again on XX/XX/2018, the caller says that this is an attempt to collect a debt, and that the call is being recorded. I am not behind on my mortgage and the payment is not past due. My payment history is good for the life of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Convergent Resources, Inc.
State: GA
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 received a notice of a change to my credit report. When logging into my account I found that there was a collection action on my account without my having been notified by the bill collector that they alleged a debt to be owed by me. They did not send a letter for me to dispute the alleged debt before putting it on my credit report. A " Certified Mail XXXX  # XXXX '' letter was sent to company, So far I have not heard from them. The company is : CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA 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 2018-06-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Around XX/XX/2018 I had my credit report run for a rental application. Equifax stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called equifax they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with Equifax ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that Equifax provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is equifax that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Early Warning Services, LLC
State: NC
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 is incorrect

Complaint:
To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. 

It was a nightmare, and occurred at what was meant to be a happy time - starting a business. 

I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX  XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. 

During this time I was also advised by another financial institution that there was an adverse XXXX  reporting from XXXX  XXXX XXXX. 
I was advised by XXXX  XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. 

My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX  XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. 

This is getting ridiculous at this point. 
1. This nonsense is crippling a small business owner from starting out on the right foot. 
2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 
3. The lack of consumer knowledge around who and what EWS does is very evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We paid our Bank of America mortgage in full in XX/XX/2018, and sold the house as-is the same month. All liens were cleared, and the closing was successful. The house had been flooded in the Hurricane Harvey flood, but due to the insurance settlement being less than the estimated cost to repair the house, we decided to sell the house as-is. 
Since then, Bank of America has sent letters to me demanding that we set up an inspection on this house to be sure repairs have been made. I phoned Bank of America two days ago and explained that we paid the loan in full ( the Bank of America representative acknowledged this ), that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. 
The Bank of America representative became robotic ( i.e. acting as if I had not said anything ). Thinking this may be a computer, I began to repeat myself. After the phone call, I went on the Bank of America website and filed a complaint explaining the problem. 
Today I received a phone call from a different Bank of America representative. I explained how Bank of America is harassing me on this matter, and repeated we paid the loan in full, that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. She demanded more personal information from me. I explained that this is an internal matter for Bank of America to resolve, and I will not provide any other information over the phone. Like  the other representative, she began to repeat herself much like a computer would do. I requested a letter in lieu of a phone call, but she would not agree to this over the phone. 
I need Bank of America to cease harassing me given they acknowledge the loan is paid in full, Bank of America has no lien on the home, we no longer own this property, and we did not file a claim on the property with Bank of America. It is illegal for use to schedule an inspection on a property we do not own, but Bank of America does not acknowledge this.

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 2018-07-10
Company: Experian Information Solutions Inc.
State: TX
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:
The inquiries below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX  XX/XX/XXXXXXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX 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 2021-06-09
Company: EQUIFAX, 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 been sending XXXX XXXX XXXX, XXXX, and Equifax letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with Equifax, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " Balance Updated '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with XXXX, they changed the " Balance Updated '' on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-10-13
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient is showing that my student loan is days past due when payments are being made monthly. They are also not updating my credit status, causing it to keep looking like I have not made a payment on my loan for significant periods of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions 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 that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were 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 explanation
Consumer complaint received 2018-08-15
Company: Paypal Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Paypal reversed promised PERMANENT credit to create negative balance of {$62.00} in an attempt to refuse to allow me to remove my bank debit card attached to my exempt Social Security direct deposited funds. I've since received a threatening collection email from Paypal, to which the negative balance will add collection fees, a motive for the permanent credit reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Prestige has refused to release my title although the car has been paid off in full. I have been going back and fourth through the new financial institution for prestige to release my title to XXXX XXXX and they refuse although this has been paid for 5 years. I have now financed a new car where I have done a trade in on the car with title issues 2014 XXXX XXXX, this could potentially ruin my chances in purchasing a new car. 
I have gone to the dmv personally to fix the issue however prestige can not release the title to me to put chartway as the lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l XXXX The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type : Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : Amount Delinquent : Account Balance : {$710.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.

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 2021-02-11
Company: Paypal Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I want to pay a loan I have with PayPal. They have locked me out of my account so I can not do that. Every time I call ( and it's been at least 5 times ) Someone says they will look into it and call back, and they don't. This all started because a client I had asked for a refund for a writing service I provided and PayPal gave it back to them even though I sent email proof showing I had asked the client for certain materials to complete the final half of the job, and the client said they could not provide these items. So I am happy to pay a portion but am not liable for the full amount. PayPal will not be reasonable. Even beyond this {$1000.00} I still want to pay my {$3500.00} loan to them which is completely separate. I have tried with the XXXX XXXX XXXX. They have still not responded to make a way where I can pay this loan. So I either want a formal letter saying that they are completely forgiving it or create a way so I can pay, but this is ridiculous and has been going on for nearly a year. It is good that the government is beginning to examine PayPal because this should be another item that should be added for analysis. But I do want some resolution with all this asap!!!

Company response to consumer: Closed with explanation