BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: NM
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:
My credit report from Experian, case # XXXX, dated and received XX/XX/XXXX shows to problems : 1 ) Unauthorized co-applicant for a credit report. My ex-husband shows as a co-applicant/spouse on this report ; I did not nor have I requested a joint/co-applicant credit report with him since our divorce in XX/XX/XXXX. This report includes detailed information about accounts that are his only. I do not want any credit reports or inquiries to include any of his information or accounts. 
2 ) XXXX unauthorized inquiry dated XX/XX/XXXX. I did not nor did any vendors serving me request or authorize this search. As part of my own due diligence I called XXXX as well as all of my vendors ; my vendors said they did not request the XXXX search. They also said it is not a part of normal business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: NJ
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 submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to file a complaint against Convergent Outsourcing Inc . I paid XXXX and by law, they must recall the account from Convergent Outsourcing. Convergent Outsourcing has no legal reason to report on my credit reports and must delete.

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 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Saks Fifth transferred my credit card account to Capital One in the summer of XX/XX/XXXX. I rarely use this card and it is one of a few cards on my account. 
I started getting calls from Capital One demanding payments the week of XX/XX/XXXX, which did not make sense for me - I was getting XXXX balance in my online account, there were never any paper statements, so I thought the calls were a scam. Finally I called the number on the card on XX/XX/XXXX and it turned out that the account I was accessing was the old account that was closed, the access to the new account was blocked, yet the paper statements were never sent to me and there was a balance on the account. I requested to get paper statements, and they were sent to me on XX/XX/XXXX ( see attached ). Once I verified that the purchases were mine I called back Capital One, they agreed to remove late fees and interest and I made a payment on the same day, so the transaction is reflected on my account as of XX/XX/XXXX. 
Yet soon after I started getting messages from my bank account that my FICO dropped significantly. I had a FICO of XXXX and now it was showing XXXX ( based on XXXX  - see attached ). The investigation into my credit report confirmed that the drop was due to delinquency reporting on Capital One credit card account. I called Capital One, but all representatives were saying that's not in their scope of responsibilities, while being transferred 6 times. I later wrote a letter, but they responded they'll not remove delinquency out of courtesy. I wrote back explaining that the payment was sent out as soon as I received the info about the balance, the original statements were never sent to me, so I never received the bills, but they never responded. 
I believe the reporting of delinquency is not justified as they reported it while they blocked me from accessing balance information - no paper statement and no online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The loan is still in good standing, have never missed a payment. I am moving to New York state and trying to register my vehicle in New York State. The NYS DMV requires a certified copy of the title ( both the front and back side ) from the lien holder in order to register the vehicle. The title is currently held by the lender but the lender has refused to mail out a certified copy of the back side of the title. I have tried to contact the lender on 9 separate occasions between XX/XX/19 and XX/XX/19 but to no avail. Due the lender 's refusal to provide the necessary documentation, I am unable to register my vehicle in NYS and unable to drive my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/2021 the Bank of America received my XXXX Social Security Check and deposited it in an account that I had already closed. I went to the branch 5 times in the last month trying to get my refund since social security is my only means of income. At the last 3 visits I was told the after the bank closed my account I would receive my final statement and a cashiers check refund.. I received my statement around XX/XX/XXXX but there was no check. Subsequently I received a letter saying I would receive a cashier 's check for the balance, but never have. Many of my normal monthly expenses have been shut off for lack of payment and I have been charged late fees. 
this has caused me undo stress. 
As of today XX/XX/XXXX, i still have not received my refund. 

I have found several sites which state that this is illegal and that the BOA should never deposited my check since I no longer had an account. Moreover, Government checks issued to a payee must be given to the payee within 1 business day. I need my 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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 had a freeze put on my 3 credit bureau reports in 2013. They are still in force. Some one impersonated me while enrolling in credit monitoring at Transunion. They had my social and date of birth information. They were asked questions that were generated by my credit and answered them correctly. ( I have seen some of these questions, which any 10 year old could figure out the answer. ) I would like to know why Transunion releases credit reports when there is a freeze in place? When I re-lease my car, I have to release the freeze to get approval, but anyone with a credit card could get a copy of report immediately? 

This makes no sense to me. Can you help me secure 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 monetary relief
Consumer complaint received 2019-02-17
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not verified. We do not have a pud rider on our house. A HOA can not charge fees. HOA did not even register with state until three years ago. We have asked for verification. Did not provide. This debt does not exist and is not valid. We provided this info to collection company, just ignored.

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 2019-05-20
Company: EQUIFAX, INC.
State: LA
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 have no knowledge of the following inquiry XXXX XXXXXX/XX/2019. Please  investigate to ensure there is no fraudulent activity. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Infiniti Financial Services contacted me today XX/XX/2019 on my work line to advise that my Auto Lease was past due. The representative contacting me was very rude, threaten to ruin my credit, stating that my account was reported to the credit bureaus. My account has never been 30 days past due, and this is a false statement. This is against the law to make these statements. I pay this account at the same time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was threatening foreclosure so I filed bankruptcy. I am presently in bankruptcy because of a balloon note. When I first entered into my bankruptcy my payment was {$1100.00}. Then it went to {$760.00}, {$840.00}, {$860.00} and now it is scheduled to go up to {$880.00} in XXXX. I spoke with XXXX from my mortgage company Mr. Cooper about a modification. What I would like is a fixed rate. I don't know if this is a modification or not, I presently have a balloon note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company conducted an escrow analysis on my account due to my taxes decreasing there is a surplus due back to me and they are refusing to send me I spoke to representative XXXX agent # XXXX on XX/XX/18 he advised me that the escrow surplus will not issue until 30 days. I advised him I never heard of that before the escrow surplus should be issued when the escrow analysis is completed if the account is not 30 days past due and my account is current. He advised that is our policy I advised the rep that is not Respa policy he stated that is Ocwen policy. I advised the rep I would like to speak with a supervisor he transfer me over to supervisor XXXX agent # XXXX. I asked XXXX to please have my escrow surplus rush XXXX said no it will take up to 30 days for me to receive the escrow surplus I asked her why it can not be rushed she stated it is Ocwen policy and they can not rush it I have to wait the 30 days. I then asked her the name of her CEO she did not know and hesitate to provide the information. I asked to speak with her manager and she told me no non was available to speak with me. This is just crazy. All I am asking Ocwen to rush my escrow surplus and I have to go through all of this mess and have to treated my reps like this I pay my mortgage every month and do not feel like I should be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Sterling & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I missed a call from XXXX ( XXXX ) XXXX. I returned the call stating it was a lady named XXXX  XXXX. She stated I owed a payday loan ( continued to state they are illegal ) and that if I didnt pay my name and information would be turned over to the original county. There would be a nationwide search for me and I would be facing 2 felonies -defraud a bank and something about providing false information. She said they could make a payment arrangement over next 3 months but it had to be handled or I could go to jail. She said she had a daughter my age and wanted to help. She kept saying she wasnt a debt collector she worked for a lawyers office. She kept giving me different 1800 # to call and speak to XXXX to pay off the debt. She said I would have to call friends and family to avoid being arrested. They sent me a DocuSign agreement for repayment-I was suspicious bc it didnt state anything about a loan and said it was debt collection and had lawyers address. She only had an old email address I used over 15 years ago when I was young dumb and in college. If this was a debt it would have went on my credit report so I did not return her calls after the first day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I wrote a check to someone to haul off some brush. I did not personally know this person, found him through an online service. I wrote the check on XX/XX/21 and it cleared my bank on XX/XX/21. That person deposited the check electronically in his credit union, XXXX XXXX XXXX. In XXXX, he took the paper check to Ace Cash Express and cashed it again. My credit union rejected the second attempt to cash the check. Ace Cash Express sent me a letter on XX/XX/21 and is now holding me responsible for the fraud committed by the person who cashed the check twice. They have flagged my checking account through their check cashing processor and said that I have committed fraud and have to pay the amount of the check plus fees to remove the flag from my account. I have proof that the check cleared my account on XX/XX/21. Ace Cash Express says ... .too bad ... pay it or youre screwed until you do! 
The person I wrote the check to did not indicate on the back of the check that it was deposited electronically and yet his credit union accepted it and sent it on to my credit union, he then cashed the paper check at Ace Cash Express. If Ace Cash Express wants to recoup their money, they should be harassing the credit unions involved. I am the only innocent bystander in this scenario and Im the one with my life being screwed up! 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NC
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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  XX/XX/XXXX 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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.

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 2019-03-20
Company: GREAT LAKES
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Beginning in 1997 I attended a public university and student loans were an option for financing. Prior to acquiring a XXXX XXXX XXXX degree, the XXXX XXXX Alabama at XXXXXXXX XXXX financial aid office said student loans were easy to repay and the loans had no interest or very low interest rates. I also took out a loan to attend a XXXX degree program at the XXXX  XXXX XXXX and the loan advisor explained that loans would be easy to pay and the most affordable option. 
I currently have loans financed with Great Lakes Loans and/or the US Department of Education, and I think the the Truth-In-Lending Act is not followed by the institutions. The organizations changed interest rates from fixed to variable. If I had known student loans interest rates would be variable, capitalized, and difficult to pay, I would have applied for more scholarships or attended a different program. In my opinion, these changes and proposed changes do not comply with the Truth-in-Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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:
AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE 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 2019-01-09
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account. 

My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!! 

My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion! 

My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!! 

FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month. 

This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: AL
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:
Today, I find from XXXX XXXX that I have an inquiry from XXXX XXXX done me on XX/XX/XXXX XXXX. I have not authorize XXXX XXXX to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice Equifax and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call Equifax today and was told that I have to call XXXX XXXX and have it remove. They ( she ) would not even investigate. Therefore, the company ( Equifax ) is sent out incorrect information. She told me to call XXXX XXXX myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.

Company response to consumer: Closed with explanation