BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX company is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 I contacted Sunrise Credit Services INC in regards to an XXXX XXXX XXXX account that they were attempting to collect. I spoke with XXXX XXXX, a representative of the company, who refused to give me a employee identification number. She was attempting to collect {$2000.00} from me. I do not owe XXXX XXXX XXXX this amount of money. 

1. I asked XXXX XXXX, a representative of Sunrise Credit Services to conduct a investigation into the amount owed because it seems really expensive for 1 month of service. I told her that The Fair Credit Reporting act requires any reasonable dispute to be investigated in regards to debt collection. I wanted the amount owed verified and possibly a break down of these charges. She refused to investigate this matter, insisting the amount owed was correct and attempted to collect it via a credit or debit card. I refused to make payment until amount is verified. 

2. I never recieved a XXXX XXXX XXXX bill even tho I contacted the company numerous times stating they had the wrong address on the account. That matter was never resolved, and I never recieved a bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: 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: Account information incorrect

Complaint:
I have been going back and forth with consistently trying to get things off my credit report. They first had my Information mixed up with someone named XXXX XXXX. Which I still feel its mixed. Because they are reporting information other places but when im sending disputes to them they are telling me the information is not currently reporting on Equifax credit file but its showing up everywhere else. I need this resolved as soon as possible this is really effecting my life and making it hard for me to get a house in the already hard complicated housing market.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold the property of which Ditech Financial, LLC serviced the mortgage on in XXXX XXXX 2017. The mortgage had an escrow balance due me, according to the online statement in the amount of {$1900.00}. 

Ditech said it would take 30 days to process the payment and they would mail out. 
I received no payment in XX/XX/XXXX or XX/XX/XXXX. I called back to Ditech, they said they mailed out and would put a stop payment on that draft and send out another payment and would take 10-15 business days to process. 

In XX/XX/XXXX, I still had not received the re-issued draft. Ditech confirmed my mailing address. I called Ditech again, this time they offered to wire funds and that would take 10-15 business days to process. 

As of XX/XX/2017 I have received no funds from Ditech. I called again today and they offered to reissue the draft or wire transfer which would take 10-15 business days. 

Why should I have to remind Ditech month after month to for them to send the money that belongs to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.

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 2023-01-09
Company: BARCLAYS BANK DELAWARE
State: OH
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:
The credit bureau never did a proper investigation according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had a mortgage with Mr. Cooper for 15 years. I was approved for a forbearance plan in XXXX, XXXX, as I was unemployed during Covid. I was initially approved for 6 months initially, and then received 2, 3 month extensions. On XX/XX/XXXX, they claimed I requested to be taken off forbearance. They did not produce an written document, and/or verbal/email as I was still unemployed and never requested. I then got them to reinstate me XX/XX/XXXX. I then sold home and paid of entire Mortgage in XXXX, the next month. I have a {$0.00} balance with Mr. Cooper. However, in applying for my next mortgage, the underwriters stated Mr. Cooper claims I " ... did not make my XXXX payment while under forbearance ''. This defies logic as I did not pay any payments during those 12 months. Even if I did not " pay '' XXXX as they claim, it would have been classified a late payment since I paid entire mortgage in XXXX. While credit companys do not show this on their records, XXXX XXXX and Mr. Cooper do and its preventing me from obtaining another mortgage. Mr. Cooper refuses to help despite many calls and emails. I even submitted a XXXX report on this and yet, no action taken by Mr. Cooper to correct. I need your help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: WA
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:
Ive disputed multiple times with Equifax informing them that the account is not mine but Equifax is triple reporting the same collection. I am requesting they send me the method of verification on any calls, letter, names of associates they contacted during the previous investigation to support the outcome they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. 
They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. 
Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. 
The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. 
The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with my Account Manager for Fay Servicing in regards to my mortgage. There have been issues previously with the account that the last account manager XXXX XXXX did n't resolve. I have been unemployed, but I have been trying to work with Fay Servicing in regards to repairing my status with the mortgage company. I informed the new account manager that I want to save my house and even went into a Forbearance/Trial Plan Agreement even though I did n't really have the money to pay the mortgage and the rest of my bills. I informed my account manager that a {$50000.00} payment was going to come from the NJ Hardest Hit Fund. They finally received the payment in last week of XX/XX/XXXX. I have other bills to pay that include the water bill and XXXX XXXX XXXX that takes preference and I was trying to make an arrangement with Fay Servicing. When I looked at statement from Fay Servicing that I received in the mail it said that on XX/XX/XXXX a total of {$38000.00} ( You must pay this amount to bring your loan current ). Now I already submitted a payment of {$1100.00} on XX/XX/XXXX to be applied to may account and I know that the {$50000.00} would cover the {$38000.00} to be my account current. Now Fay Servicing has informed me that they applied the {$50000.00} to my account, but they said that I have an outstanding balance of {$2800.00}. I know that they did n't apply the full amount to my mortgage in order to make it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a free security freeze from Experian on XX/XX/XXXX and again today, XX/XX/XXXX. I entered all the requested information. Both times I received a response on the website at the end of the application that said : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. It then asks me to mail the information I just entered, plus a utility bill and a copy of my driver 's license. 
1 ) I did not have any difficulty with acquiring a security freeze from XXXX and XXXX on-line. It happened immediately. 
2 ) My FICO score is XXXX ; Experian has all the information they need. 
3 ) I do not want to put my social security number on paper and send it in the mail, as is required by Experian to obtain the security freeze. 
4 ) My husband applied for a free security freeze from Experian on-line and obtained it 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX and XXXXXXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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:
The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX BANK XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX BANK XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} TXXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX BANK NA Account # XXXX Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was issued an active XXXX XXXX  rewards credit card through Wells Fargo Bank, which I never applied for. 

This credit card was delivered in the mail the week of XX/XX/2021. 

I did not contact XXXX XXXX to open a credit card account as I do not shop there nor will I in the future. 

This is a deceptive act on behalf of Wells Fargo and 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the fair credit reporting act DPT ED account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: WI
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:
On XXXX/XXXX/XXXX I made EXPERIAN aware of an account that was the result of fraudulent activity. They responded to my complaint by advising me that there was no action for them to take because the account did not appear on my credit report. I have reviewed a recent copy of my credit report and the account has been displaying since 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