BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX I called to have XXXX removed for a false claim that I owe them money. I provided ample evidence to show my numerous attempt to contact XXXX and their refusal to respond. Equifax removed this false charge. 
XX/XX/XXXX I called Equifax to ask why I'm being denied a loan with a XXXX credit score and no collections. They proceeded to tell me that I have had XXXX in collection from XXXX works. I explained to them that nowhere on my credit report does it show this in collections. They proceeded to argue with me that I must be mistaken ( with a XXXX credit score? ) I immediately called XXXX XXXX and paid it in full. 
XX/XX/XXXX I called to request the removal of XXXX XXXX with proof of payment instead of waiting 30 days for it to be reported. I was told that that wasn't a problem. 
XX/XX/XXXX I called to ask why my credit score is in the 500 's. I was then subjected to being disrespected, placed on hold for a long time, told that I can report them if I had any issues and that it was that low because of all my disputes. Afterwards I was notified that I had purchase a credit protection from Equifax and every single one of my messages have been deleted. 

This experience has caused me so much pain, grief, any chance of getting a place to live, and now I can't get a car. I have nothing because of this and knowing that they can erase all my information, add false information, and make purchases on my behalf has me freaking out and physically ill. I don't sleep, I have to spend a huge amount of money to rent a car to grocery shopping and run errands because I can't get a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.

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 2019-10-25
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left XXXX with 0 balance and returned all leased phones to local store. Receipts have been sent in numerous times to collection agency and credit 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
Consumer complaint received 2016-03-17
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modified mortgage back in XXXX XXXX. I sent all my paperwork back in XXXX XXXX and was told I was approved and my final documents would be sent out after my trial period payments were done. When I never received these modified mortgage final documents in XXXX XXXX I called nationstar mortgage to see what was going on. They told me that on page XXXX the notary did n't print her name on the line provided. I asked why I was n't told since XXXX and was told they did n't know. I explained I had even spoken to my representative who is no longer around XXXX XXXX and she said it was all being sent. They advised they were resending the paper work to be resigned. I had to call again stating I still have not received the paper work and was told oh sorry it was not sent. I finally got it and then received a notice one week later saying I owe payment of XXXX from XXXX when trial payments started and my modification is denied due to no paper work ever submitted in XXXX as per a representative XXXX. As of this date I ca n't get in touch with my assigned rep. What am I suppose to do now???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA unsuccessfully transferred former Simple Bank users. I have been unable to access my account or reach a human-being who can help. There is no solution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Explorer Card was billed with a wrong charge for the amount exceeding {$2700.00}. Chase, when contacted, supposedly reversed charges. The reversal appeared in line charges but was not reflected in the statement total. Chase, when contacted again, supposedly made the same adjustment but the problem still persists. To top this, now they have added interest charges to the statement. I have spoken with regular customer support as well as their Fraud Prevention Department and they still continue with adding the charges to the total but not  showing on line charges. This can be easily be missed if one was going to trust Chase and not take time and verify charges on the statement. I feel that after having given multiple opportunities to Chase, continuing to see this charge is an intentional fraudulent practice by Chase and Chase need to be investigated for such practices and brought to justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25
Company: CrossCountry Mortgage LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request your help. I tried to solve this issue with CrossCountry Mortgage back on XX/XX/2019. I requested this company to start an investigation about a late payment that is being reported to the credit bureaus. In the request I also clarified that I was disputing the payment history they are reporting to the credit bureaus. 

40 days after, I checked my credit reports and they did not even mark the account as disputed, they did not start any investigation as they are supposed to under the FCRA. 

Please help me to solve this issue since they are committing multiple violation such as reporting incomplete and incorrect information to the credit bureaus, unfair business practices and negligence, etc. 

See documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Spoke with agent in XX/XX/2018 explaining hardship because I was fired and that I was having health issues. Made payment and requested arrangement but to no avail. 
In XXXX, I had another XXXX and called in XXXX, XXXX and XXXX to make arrangements to close account and stop interests and fees by making arrangement to pay them {$50.00} per month. They said unless I had someone to be responsible, that had a job, they could not make arrangements. In the meantime, they have raised the amount owed with fees and interest plus have been reporting to credit bureaus derogatory scores. I have never received call from anyone trying to settle or accept arrangement. I am XXXX and have health issues preventing me from getting a job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by Capital XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation Star bought my mortgage loan from XXXX XXXX Bank, XXXX. 
The original term on the original loan document stated that when the LTV drops below 80 % customer can ask to remove the PMI, or it will automatically drop at 78 %. XXXX XXXX XXXX XXXX Today, Nation Star said no because their LTV value is set at 75 % for them to drop the PMI. They will continue to collect the XXXX premium for additional 5 % of the LTVXXXX XXXX I am sorry that Nation Star should have known when they purchased somebody 's contract, all the terms in the original contract prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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: Account information incorrect

Complaint:
My issue has been our credit reporting picking and choosing what they want on it any negative it's ridiculous it's so hard to take care of my family if I don't even get a opportunity buy a home or get a load of even get a credit card because I'm instantly denied

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE ACCOUNTS BELONG TO ME AND THIS IS RUNING MY LIFE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....

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 2021-03-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted FCO - XX/XX/2020 XXXX XXXX XXXX  {$190.00} Up till this date no contact in regards to the validation, open date/ close, no information I am a victim of identity theft with no correspondence.

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 2019-10-25
Company: NCB Management Services Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filled chapter XXXX Bankruptcy in XX/XX/XXXX and it was Discharged XX/XX/XXXX. 

I have been advised by my bk lawyer, that to review my report That all account included in the bankruptcy is to show the following. 
Discharged in Bankruptcy, included in Bankruptcy, or Bankruptcy Balance must show XXXX Account must be listed as closed A no negative late payments can be showed except for bankruptcy. 

The question of have is, I have one account that was included in Bankruptcy and was discharged, Closed and balance is XXXX. 

Two credit bureaus that provided XXXX XXXX my report, this this one account under COLLECTIONS, but it does state Discharged and not under the closed file. 

Is this legal, I have reach out, to the two credit bureaus, XXXX XXXX and no one has replied on this issue or fixed it. 

If this account was included in my bankruptcy and discharged it should not be under collections. 

Can you advise if this is correct and if I should file a complaint. 
I under the Bankruptcy will stay on my credit report for 10 years, but not the collections and I am getting various answer. 

Please advise. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Ghidotti | Berger LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ive been working for a very long time with XXXX XXXX XXXX XXXX  ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE PRE-FILLED OPTIONS DID NOT APPLY TO MY COMPLAINT I SELECTED THEM TO GET TO THIS PORTION SO I CAN EXPLAIN WHAT IS GOING ON I CALLED WAYPOINT TO DISCUSS A OLD XXXX ACCOUNT THAT I SHOWED ON MY CREDIT I ADVISED I WOULD PAY IT IN FULL AND REQUESTED A LETTER STATING THEY WOULD REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT THEY ADVISED THEY COULD NOT DO THIS WITHOUT XXXX CONSENT AND STATED THEY COULD ONLY PROVIDE A LETTER STATING THE BALANCE WAS PAID IN FULL I THEN CALLED XXXX DIRECTLY THEIR CUSTOMER SERVICE DEPARTMENT ADVISED THEY COULD NOT GIVE ME THE LETTER SINCE I WAS CALLING IN I COULD HOWEVER GO TO A XXXX STORE SPEAK TO A MANAGE PAY THE FULL BALANCE WITH THEM AND GET THE LETTER I WENT TO THE XXXX STORE ON XX/XX/2019 PAID THE FULL BALANCE AND RECEIVED A LETTER STATING XXXX AGREES TO REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT I CALLED WAYPOINT THEY REQUESTED I EMAIL THE LETTER SO I DID THEY REFUSED TO DELETE THE ACCOUNT ALTHOUGH I HAVE THE LETTER FROM XXXX STATING IT WOULD BE REMOVED AND DELETED AS THEY REQUESTED THEY ARE REFUSING SAYING THEY WILL ONLY GIVE ME A LETTER ADVISING THE ACCOUNT WAS PAID IN FULL BUT BEFORE THEY SAID THEY COULD ONLY REMOVE AND DELETE THE ACCOUNT WITH XXXX PERMISSION WHICH I OBTAINED NOW THEY WONT ANSWER THE PHONE WHEN I CALL AND I NEED THE DELETION LETTER TO PROVIDE TO THE CREDIT BUREAUS I HAVE ATTACHED THE LETTER FOR REVIEW AND I CURRENTLY HAVE THE PHYSICAL LETTER AS WELL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation