BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: Experian Information Solutions 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:
Dear CFPB representative, According to my Experian, XXXX and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, 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 2020-05-15
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I lost my job due to the impact from the widespread COVID-19 shutdowns. I immediately contacted Freedom Mortgage to discuss my issue and requested a forbearance. I was granted the forbearance over the phone and also instructed to make either whole or partial payments as my financial situation let me. On XX/XX/XXXX, a letter was sent out by them stating that I was in a forbearance through XX/XX/XXXX. It also stated that any partial payments would not be applied to my account and instead held in an interest free account until the end of the forbearance period. On XX/XX/XXXX, I contacted their customer service and was told that my loan payment due XX/XX/XXXX is still not paid and is still due. I reminded the lady that I was in a forbearance and it was not due. She backed off, but not before saying that my loan was going to go into foreclosure at the end of the forbearance. I asked if they were following federal guidelines on this and she then said I could request for the forbearance to continue after the initial period of XX/XX/XXXX. This is a horrible organization that uses bully tactics to intimidate their customers.

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 2021-04-10
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have so many companies I don't know or ever even heard of destroying my great credit. Even my own lease account with chase has filed many times over one late fee I refused to pay due to them being closed during covid. The phones did not work, app did not work. There was no way to pay them for 3 months or more. I payed the entire balance immediately the first time I was able to get them on the phone. They filed on me with chase, JPMorgan Chase and JPMorgan. 3 times! I also have banks like XXXX XXXX filing many times. I've never once done business with them nor ever used them to finance anything whatsoever. Many others too I don't know. XXXX, XXXX, JPMCB, XXXX XXXX ( no associations ), XXXX ( no association ), XXXX ( don't know them ) Credit Bureau 's are negligent and walk all over good people. I have one car through chase that is payed up, all other bills are payed on auto draft too and never filed against my credit. What is going on? I even pay extra for XXXX XXXX to fight for my identity and credit protection. It's proving to be a losing battle. I'm so tired of this. I even had a person call from XXXX XXXX  pretending to be a federal agent and said all my accounts would be closed due to drug trafficking charges. The warrant was fake along with every other detail. 
Stop this nonsense for God sake, help me please. I'm at the end of my tolerance for Credit Bureaus and Bank scandals. I'm doing what I'm supposed to be doing. I don't deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, I would like to report that these items that I found in my credit report recently are not mine. Its a fraud and I reported identity theft. I am very sad that now I need to dealing with removal of these accounts. I hope and believe that you make it fast because they are killing my credit report and my plans actually. I could not even imagine that I would ever face with this issue. I kindly ask you to help me and investigate this situation and delete those items. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: JPMORGAN CHASE & CO.
State: NJ
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:
J.P Chase Bank are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Franklin Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving calls from Franklyn Collection Services regarding a {$64.00} - that's {$64.00} overdue bill from XXXX. I have never had an account with XXXX nor do we use XXXX services. I have kept an account for 28 years with XXXX. The calls were numerous daily, and I was threatened if I did not pay they would attach a collection to my credit accounts. I repeatedly asked for a copy of the original contract for this account and claim. I spoke with XXXX and they ad no info. I wrote to the collection agency requesting same, They have placed a collection on my account - for {$64.00}. One credit reporting agency removed it. XXXX   investigated and responded that the claim was legit even though I can't get a hold of a contract, This bogus claim is in violation of multiple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've filled a dispute with Transunion, in regards to a late charge that appeared on my credit card statement that was inaccurate for XX/XX/XXXX. The payment was never made late. 

I first tried to contact the credit card company " XXXX XXXX '' which at the time was extremely rude and short. About a year went by and I came to find out that I had an option to dispute that late charge. 

I filled a dispute with Transunion. My dispute was filled on XX/XX/XXXX and I still have not heard a response. Can you please help me resolve this issue and get this inaccurate late charge lifted from my credit. 

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 2017-07-31
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action.
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have had this account since XXXX. The loan was for XXXX. Today, XXXX, I still have a debt of over XXXX. I have been on the phone with the debt collectors countless times. I have provided my " financials '' at least three times with no change to my interest rate. When I ask for a decrease in interest rate or close my account, they offer to send me a packet of paperwork that I would be responsible to fill, provide necessary documents, etc. This paperwork requires a considerable amount of time and energy and is not guaranteed to yield any benefit. I have not been able to rise to the challenge of filling out these forms myself. 

My interest rate is XXXX %. My monthly finance charge is XXXX, plus late fee of XXXX. I am paying over XXXX a month and that does not make any dent in my overall balance. It is costing me money just to have a loan! I called today and spoke with a representative who informed me that since XX/XX/XXXX, I have accrued XXXX in interest. This, on an account I already have been struggling to pay for many, many years. I am afraid I am going to be stuck with this loan forever and I do not see any way out of the loan.

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 2018-02-26
Company: Exeter Finance Corp.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

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 2020-01-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This account was opened fraudulently I have reached out directly to Santander and was told on XX/XX/XXXX 2020 they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX violated Section 1026.18 of Regulation Z when they provided me with an amortization schedule at origination that was not reflective of the actual terms of the loan. 

XXXX XXXX disclosed a regular amortization schedule ( attached ) while in actuality they apply payments to interest first. This is a misleading and deceptive act which violates UDAPP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

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 2020-11-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, INC is reporting a frivolous debt to my credit reports that are not legally owed to them. I have never in my life done any type of business with this company. 

They are reporting that I owe them {$490.00}. When did I receive {$490.00} from Convergent Outsourcing, INC? 

I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to Convergent Outsourcing , INC . 

I have asked them to provide me with proof that I indeed owe Convergent Outsourcing, INC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. 

They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

Instead, they sent me a bill from XXXX  from XX/XX/2014, in which I have never had XXXX  service. I have been a customer of XXXX XXXX for over 15 years. I have called XXXX  on several occasions and asked that they provide me with documents or a contract of service so that I can file a fraud report with the authorities in which they couldn't provide me with any proof. 

So Convergent Outsourcing, INC what is binding me to your company? What makes you think that I owe your company money? When did I do business with Convergent Outsourcing, INC? Where is the contract that shows that I lawfully owe Convergent Outsourcing, INC 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 2021-05-31
Company: ALLY FINANCIAL INC.
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: Their investigation did not fix an error on your report

Complaint:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

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 2020-01-31
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I WANT MY REFUND THAT HAD BEEN CHARGED ON XXXX XX/XX/2019 FROM MY PAYPAL ACCOUNT AND THEY ARE SEEMS TO BE FRAUD SO I WANT TO GET MY MONEY BACK AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-16
Company: Arbor Professional Solutions, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I requested written validation of this debt in accordance with the provisions of The Fair Debt Collection Practices Act. I sent this letter certified mail XXXX XXXX XXXX XXXX XXXX. I received nothing, the statute requires a debt collector, not the creditor, to mail the verification to the consumer. The reporting credit company is not acting in fair manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: ROYAL UNITED MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I responded to an ad last night online by Royal United mortgage services stating that they may be able to get me a better rate if I financed my mortgage with their company. I filled out a brief form with my phone # and address.
This morning as I was sleeping in the other room I could hear phone calls coming in one after the other non-stop for about 20 minutes. I did n't answer them and tried to determine where they were coming from based on the area code,  XXXX . This afternoon I finally answered a call from one of their agents and told her how unhappy I was with their attempt to reach me. She had no explanation and said my number would be taken off their list. Then more calls came in from the same area code and another one, Clearly these  XXXX  have no respect for anyone 's time or use of phone service. I have NEVER EXPERIENCED ANYTHING LIKE THIS BEFORE. They appear to be based in Indianapolis or somewhere nearby

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation