BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: OH
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent you dated XX/XX/2020 I stated the following : I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

I received nothing but phone calls and letters to settle a debt I know nothing about.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am run my credit last month and I found one account I don't have any relation with it I believe this is a fraud or Identity theft and I help with this fraudulent account remove from 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 non-monetary relief
Consumer complaint received 2018-10-17
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
If I am under student loan forgiveness why is my credit score and report is showing different Pulled my credit report from XXXX XXXX and it is showing I owe XXXX in loans and I have not graduated or completed my degree. I am having a hard time living in my own skin. I am so exhausted. I also have been a victim of credit reporting and social security number fraud. The credit bureaus all three has been hacked and I numerous phone calls from companies I never heard of. My information has been sold to different companies I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house XX/XX/XXXX. I went in telling the sales rep that I was retiring soon and that I needed to get a house would be comfortable for my wife and I both physically and financially. 
The total price was {$450000.00} with payment at {$2800.00} per month which increased with no notice to {$2800.00} per month after 5 months. The payments were a little higher than I liked but I could handle the payment and I was told that I could refinance in 6 months and that the PMI could be taken off and I could possibly get my interest rate lowered, which I found was not totally correct. Because 6 months later I tried to refinance and was not able to. What I needed was to have a 30 or 40 percent difference in loan to home value and during that they told me that the first Mortgage company ( XXXX XXXX ) had not calculated my Property tax correctly. That was after I tried refinancing with 3 or 4 mortgage companies. That is when I found out that I needed the percentage difference and found out that XXXX XXXX had not calculated the property tax right. The company I trusted said that I should actually be paying more than {$3100.00} a month if the mortgage company ( Mr Cooper/ Nation Star ) had calculated my tax correctly. Now that I am retired I cant afford over {$3200.00} plus the other bills and utilities. 
I called my XXXX rep and explained everything to him and he explained to me that I needed to file a Qualified Written Request to my current mortgage company ( Mr Cooper/ Nation Star ). 
That brings me to the next problem. I sent the Qualified Written Request to Mr Cooper by fax, email, and mailed the same letter to two different Mr Cooper address with signed return receipt, Which I received. I sent all the forms of the QWR around the XXXX or XXXX of XXXX and I received the return receipts which were signed by the Mr Cooper Rep, XXXX XXXX on XX/XX/XXXX. 
My Lawyer said they had 20 days after they signed for the letters to reply back. As of today it has been 51 days and I have not received any notification from Mr Cooper/ Nation Star.

I have all my docs that shows dates and where they went if you need to see them.

My XXXX said that I should contact you and then you would be checking on this problem and let me know what I might need to do. I dont want to lose the only house my wife and I have ever had because of too many military change of station and low income we could never qualify and now if something is not done to correct my escrow it will continue to go more negative. The current escrow is negative {$2600.00} and that is after paying me paying {$720.00} to try and balance the escrow account but I cant keep paying that because I dont have the extra money to keep it balanced. We dont want to lose our house. 
Please help me or let me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
My equifax credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law equifax should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


XXXX is reporting inquiries from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan will be satisfied completely XX/XX/XXXX. My payment for taxes and insurance are both due annually in XXXX. they were paid in XXXX and will be due again XXXX. 
I requested to stop escrow deductions and return balance in escrow. I was told by someone on the phone I can submit the request in writing and this will be done. I did so XXXX XXXX at the Branch on XXXX XXXX in zip code XXXX. The person stated that I have to wait until after loan is paid off and I will be refunded I think she said 7-10 days afterwards. 

I have made two more requests directly via my account. Last month I paid only principal but the bank took the escrow out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Showing inaccurate pay history .... 


XXXX XXXX ACCT : XXXX Paid on time/ never late

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 2017-09-18
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
C & F Mortgage Corporation and/or XXXX and XXXX Bank, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, XXXX XXXX C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 'XXXX attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Guild Mortgage Company LLC
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I called XX/XX/XXXX to make payment arrangements per the company website. I was told to call back when I could make a payment. I was also told that depending on the payment amount I could make I would then be able to enter into an informal or formal repayment arrangement. I was told I would receive the certified letters and phone calls even though I had called in and made informal payment arrangements. When I called today, XXXX XX/XX/2019, I was not able to use the automated system or the online system. I was also not allowed to make a payment by calling the number the automated system referred me to : XXXX. I was on hold for over 30 minutes and then when I did get a representative she had no idea of my earlier call or the arrangements. I as told by this representative that I would be told what they could accept. I told her I literally had only {$3.00} available today but I wanted to get started on getting my account back to current. She refused to accept my payment and said $ XXXX, was not enough for them to accept any payment from me. I asked for a supervisor. She tried to continue to talk to me about paying more. I told her I literally did not have anymore today but would call back again. She laughed at me and then after I asked twice more she sent me to a supervisors voicemail. I left a detailed message with my name, account number, phone and the issue I was having. I requested my account be paused as the supervisors voicemail says it will take 24-48 hours for her to even return my call. They ahve people coming to the property and leaving door hangers that say it is urgent i call with just a handwritten phone number, no name, mostly in XXXX. When i call it is the debt collection line for delinquent accounts at guild mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Specialized Loan Servicing Holdings 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:
I already reached out to the credit bureaus and to XXXX XXXX XXXX and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, Bank of America was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.

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 2019-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates LLC, Has continued to collect debt that is inaccurate. The original creditor removed the account from all my credit reports for inaccuracy. I have countless times contacted Portfolio Recovery in XXXX and XXXX of 2019 to remove this account from all credit reports, as they have no validation for the debt and its inaccurate. They continue to pursue the debt without validation, and have not removed it from all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, Transunion and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, Transunion and XXXX have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. 

I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. 

When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. 

Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. 
Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. 

This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I rented a vacation rental for 3 days ( XX/XX/XXXX ) on XX/XX/XXXX from someone on XXXX. I signed a contract and paid through PayPal. When I showed up to the property on XX/XX/2018, the person I was in contact with never showed up. I came to find out by a neighbor that the property was not owned by the person who I had a contract and paid, nor was it a rental property. I went to the local police station and filed a police report. 

After that I contacted PayPal to put a dispute in since I paid through there. I was told it would take 10 days. Within the 10 days I went into my PayPal account and noticed there were no open cases, so I contacted them. I was told that the person I spoke to on XX/XX/XXXX was incorrect and I didn't have a case since I paid " Friends & Family ''. Apparently there is no insurance when paid this way, hence the reason why I was instructed to do so, I didn't know otherwise since I don't use PayPal too often. I was then instructed to contact my financial institution since the funds came from my checking account. I filed a dispute through my bank, which was denied. I spoke to a supervisor with XXXX who was going to try and contact PayPal. After a week, I was notified by the supervisor that they were not able to get anywhere with PayPal. 

I do want to note that I did try to contact the person who set up the fraud with the two email addresses I had ( XXXX and XXXX ). I also attempted to contact the person through the initial XXXX ad, but it had since been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wfie and I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three 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