BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX keeps calling as a debt collector Convergent Outside Debt Collector ( XXXX ). I have no debts in arrears. They have call multiple times each day as follows : XX/XX/XXXX @ XXXX XXXX and XXXX : XX/XX/XXXX @ XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX  ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX. These calls started on XX/XX/XXXX and are consistent. Nothing seems to stop the calls. 

Can you please assist me? Thank you. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas 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 2018-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent credit acceptance a debt validation letter ( letter attached ) asking for debt validation on XX/XX/XXXX. They received the debt validation letter on XX/XX/XXXX. On XX/XX/XXXX credit acceptance hired a repo company to seize my private automobile on my private property. I did not receive any notices in the mail from the repo company giving me rights to dispute the debt they was collecting on. I also did not receive any documents in the mail from credit acceptance saying the repo company was collecting on a debt and could arrive on my private property.Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I requested that they prove that I am indeed the interested party who is contractually obligated to pay this debt. While i was in dispute credit acceptance sent a repo company to seize my private automobile which is a violation and i highlighted on the debt validation letter attached to cease and desist until they provide proof of an alleged claim.They did not provide proof of their claim and I have attached the documents sent on XX/XX/XXXX ( letter attached ) which was after they seized my private automobile while in dispute. They did not send me copies of the original contract i asked for in the letter and did not provide A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract. Also they need to provide proof to the cfpb they are allowed to collect in my state.This company is in violation of FDCPA 805,806,807,808,809.

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 2021-10-08
Company: SEMPER HOME LOANS, INC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SEMPER HOME LOANS , INC. 
XXXX XXXX XXXX Loan Officer NMLS # XXXX I submitted my initial application on XX/XX/2021 for 2.5 % @ 30 year fixed. He told me I am eligible for {$1000.00} credits as well. I gave all basic info including the SSN for me and my wife, which is all what is required to initiate the application and lock in the rate. I took couple of weeks to upload my bank and income statements and as per FTC site, I have 60 days to submit all documents once I filed initial application and those are required for underwriting processes. No bank has ever asked me to upload all documents within minutes to lock in the rate. However, on XX/XX/2021, I submitted all important documents only to hear that my initial offered rate of 2.5 % is not locked in even after Semper pulled my credit. Also, the loan officer then try lure me to high rate stating I took couple of weeks to upload my income statements, which is only required for underwriting process. I was shocked and came to realize that he is running a scam by luring customers with lower rate and force them with higher rate by using illegal tactics. I request CFPB to kindly look into such illegal tactics and practises and take appropriate action. Thanking you, Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.

I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: NC
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:
What should be one 30 day late payment is showing as " in collections '' on my Equifax report. I have already talked with Equifax and XXXX about this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have an unauthorized inquiry from XXXX  XXXX on my credit file.

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 2018-02-22
Company: AC AutoPay LLC, Denver, CO Branch
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:
On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: NC
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:
What should be one 30 day late payment is showing as " in collections '' on my XXXX  report. I have already talked with XXXX  and XXXX about this discrepancy.

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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion XXXX XXXX XXXX  XXXX XXXX, PA XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Transunion Acct XXXX XXXX ACCT and XXXX XXXX Transunion Acct More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Transunion and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.

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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to check my credit score on things like XXXX XXXX and XXXX XXXX. WHen trying to create account I get a notification that my personal information is incorrect which it shouldnt be be.

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 2019-01-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: 21ST MORTGAGE CORP.
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: Account status incorrect

Complaint:
I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. 

I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 

21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The creditor calls multiple times a day on an emergency line to our company 's alarm monitoring center. They have been asked to stop calling and remove the number from their call list. They responded that they " can't do that ''. When a supervisor was requested, they responded " there is not one here ''. When asked to be transferred to their supervisor 's voicemail, they responded " supervisors do not have phones at their desks ''. 
Last employee spoken to ( on XX/XX/2019 ) was " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Consumer Financial Protection Bureaus, I would like to file a complaint against Transunion on the basis of sabotaging my credit profile and not abiding by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Transunion had requested documentation of re-establishment of a XXXX Credit Card that is on my credit profile with XXXX and XXXX. I have worked beyond the means to get this information to Transunion, as far as working with XXXX Executive customer service, who have validated this account and further more have established that the account has been reporting since XX/XX/2018. Transunion is exerting its power on me the consumer as punishment due to me obtaining an attorney on the matter, they continue to violate the Fair Credit Reporting Act, even when given documentation that they have requested. They continue to change the document acceptance process requested by them to further violate the Fair Credit reporting act as retaliation for filing claims or reporting a violation to my attorneys against them. 
I have attached document from Creditor XXXX Card on behalf of the Executive customer service. Transunion representative stated that now they will only accept an online ERS update from XXXX, which when I contacted Creditor XXXX, they have stated they have not heard of such a process and have been reporting this XXXX Card account to Transunion on my behalf, based on a legal and federal guidelines set by the Fair Credit Reporting Act since XX/XX/2018. 
As a consumer I am outraged that Transunion think it is above the Fair Credit reporting act and continue to retaliate against me for filing claims or reporting a violation to my attorneys against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with Macys XXXX XXXX that they have closed my account without notifying me & this affected my credit score though Im always making on time payments with putting in consideration that I had a problem with them since XX/XX/XXXX that I purchased items in XX/XX/XXXX & when I returned some of them on XXXX, XXXX the agent there made it as a purchase not return & had to pay double the money with its interest in XX/XX/XXXX after the last agent told me I have to let it go cause they wont do me anything and that Im just adding more interest on myself with not paying the amount required. When u called them on XX/XX/XXXX I found out they have closed my account on XXXX claiming they have sent me a mail which I never received. The agent who answered me was so rude & was even refusing to give me her name or agent ID but later on she give me her name is XXXX and her ID number is 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