BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019 I noticed a late payment reported by FedLoans. I have not had any contact with this company about a payment or had received a notification regarding a payment due. I had a loan payment agreement with XXXX XXXX. After making payments with them to process the loan they were involved in a lawsuit and my payments were no longer taken from my bank account. Then I noticed on my credit report that I was late on a {$20.00} payment with Fedloan which I was never notified of. I then contacted Fedloan to see how and what the late payment was from they stated they had sent a notice to me and I was late for my student loan. They never established a payment agreement of any kind nor had they ever contacted me for this payment. I have since tried disputing the incorrect reporting and Fedloan processed my dispute as I did have a loan and the loan did belong to me. I never disputed having a loan I disputed Fedloan establishing a payment agreement without my knowledge or consent. The representative at Fedloan states they sent a letter to me but they did not have my address verified nor did they provide any proof any letters were ever sent.This has made a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I recently filed a chapter XXXX bankruptcy and in response my mortgage company ( Quicken Loans ) charged me {$950.00} in legal fees for " objection to plan ; {$450.00} '' and another {$500.00} for " proof of claim fees ''. This is not right, was not agreed to and is just bad business. The creditors have not even met with the bankruptcy court yet and our plan does not reduce or alter the current mortgage payment. Filing bankruptcy is prompted by financial distress and is not suppose to be an opportunity for your mortgage company to charge {$950.00} in legal fees. Formal written notice of this action was sent to us by mail on XX/XX/2020 by a law firm based in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Quicken Loans added the {$950.00} to our XXXX mortgage statement/billing. Please e-mail any other further questions you may have and thank you for your time and consideration regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: VA
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:
An online dispute was submitted to Experian on XX/XX/2019 regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Experian stated, after the investigation was complete on XX/XX/2019 and that it was reported accurate by the data furnisher. I also received an updated credit report on XX/XX/2019 showing the late payment ( attached ). 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days 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 2019-07-03
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed a suit against XXXX XXXX concerning my home. The note and mortgage was cancelled in XXXX of XXXX. XXXX XXXX seven years later tried to claim the note. I have filed complaints against them several times with your agency ( CFPB ).  Since then I found out between the months of XXXX and XXXX of XXXX. They filed foreclosure against me and in return I filed a suit that is pending. Around XXXX of XXXX, XXXX XXXX claim they sold the note to XXXX XXXX XXXX. I also filed a complaint with your agency ( CFPB ) against them also. During my suit I requested Temporary Restraining Order ( TRO ) until we could solve our disputes. They then removed my case from District Court to Federal Court around XX/XX/XXXX. I requested a TRO with the Federal Court but It was less than a week before the foreclosure and I had to file Chapter XXXX Bankruptcy. My case is still pending, but while the issues of this suit is still active XXXX XXXX XXXXXXXX sold the note to Caliber Home loans. I have filed around five Qualified Written Request to put them on notice that I do not have a contract with them and my note and mortgage is cancelled. 
I now believe all of the Servicers of this ghost loan is defrauding me. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and Caliber Home Loans. 

I am now filing this complaint against Caliber Home Loans, because of Mortgage XXXX and Fraudulent conveyances. I have no contract with them and owe them nothing. They continue to harass me and violate the RESPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have a public record ( CHAPTER XXXX BANKRUPTCY ) entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Transunion verifies their public records was advised it was via third party not actual court. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no  runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Transunion refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. It is reporting invalidly and would like it to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Account information incorrect

Complaint:
Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

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 explanation
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I received a notice that my beloved Simple banking account that Ive never, ever had issues with was transitioning to a BBVA account. Over the subsequent months, I received assurances via email that the transition would be seamless, with the final piece of the transition ( the only customer-actionable step in the process ) being that starting on XX/XX/2021 I, as a customer, would cease having access to my Simple checking account, would use the link emailed to activate my BBVA account- also could be done through the app- and I would immediately have access to my new account, my money, my account numbers, everything. 

In the unnecessarily complex process it took to try to activate my BBVA account on XX/XX/XXXX, it would not allow me to. I am unsure if I even successfully created a user name and password. And the attempt to sign in on either the website or in the app has locked me out of my new- and only- checking account. I can not look at balances. I cant attempt to transfer funds out of it. My account and my money are being held without allowing me any access to it at all. I have tried calling customer service for hours today, as the notice on the website says, to only get a our system is down, call back later message. 

BBVA had at least 4 months to make this transition easy. They couldve given us at least a few days where we could access both accounts, instead of completely nullifying our Simple account while also preventing us from accessing our new BBVA account with no way to seek resolution about it for going on 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed in XX/XX/XXXX when I wanted to buy a XXXX XXXX for my cousins birthday on XXXX marketplace. I saw one selling for {$200.00} dollars from a user whose account has been active since long ago. I talked to her and she said she would be happy to send the XXXX XXXX by delivery using XXXX. So the next morning she texts me early and says shes about to send the XXXX   and sends fake pictures of her at a delivery place with the console. She then says her XXXX account wasnt working and to use XXXX. I never used XXXX before but my bank had an option for it, so I trusted it. I sent the money and she kept telling me to wait for the tracking number that never came. She gave me her real phone number as well to send the money to and I have found her personal XXXX and XXXX  using that info. I have messaged her but she says she will send police to me if I message her any more. I am completely devastated and really sad that I couldnt gift my cousin this year with the hard money I worked for in my part time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Account information incorrect

Complaint:
One account on my credit profile continues to show incorrect status & account balance. 

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 explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/2019, I sent TransUnion a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. After waiting over 15 business days for a response I sent another certified letter on XX/XX/2019, letting them know that I have waited passed the allowable time for information on method of verification and since they failed to provide the proof to me that they violated my rights as well as that in itself is grounds for immediate deletion from my credit file. TransUnion continues to violate my rights with verifiable proof to keep reporting said item above.

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 2017-09-13
Company: EQUIFAX, INC.
State: DC
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:
Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019. Tuesday. 

- My inquiries are victim to Transunion 's " Inquiry Issue ''. Customer Service with Transunion was unable to help resolve my issue & was unable to point me in the right direction to resolve my issue. 

These inquiries should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX For

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

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 2019-07-03
Company: Millco Management
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a debt collection of {$730.00} was reported by Amerifinancial Solutions. The debt is medical ( figured out by researching original creditor ) from XX/XX/XXXX. I had no recollection of ever being in the hospital during this time so I was pretty confident this was incorrect. I called AFS ( ( XXXX ) XXXX ) and they confirmed the debt was under a womans name. My last name and her last name happened to be the same, but I did not know this other person. After what I thought was enough proof to fix the issue.. I was told that the false reporting would be taken off my report in two weeks and to call back then for an update. So I waited two weeks and called back. I was advised that they were unable to find any information on the woman so they could not get the debt off of my report. Im not really sure what to do next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MD
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : EQUIFAX MORTGAGE SER Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Lendmark Financial Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told i was denied a loan modification because i had one in XX/XX/2009 after the mortgage crisis and i was on a balloon adjustable rate and because of make your home affordable, my mortgage company had to help me. Now they are denying me assistance with a modification

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 2021-06-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Santander was contacted for reporting misinformation on my credit report, both XXXX and XXXX  were contacted as well to verify the information on file. The bureaus stated that they could not remove the information provided by the company Santander. The account is currently in charge off status, the written off amount was for {$6600.00} however the listed amount says {$7500.00}. When an account is in charge off status it is not supposed to accrue any fees or interest. Between the two of the bureaus, each of them show misinformation about the accounts, in which it's causing derogatory marks on my report giving it a negative impact. While I understand that each report may not 100 % reflect that of another report, if the same information is being reported to each of the bureaus then the reports should reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice, dated XX/XX/XXXX and received XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX claiming we owed a XXXX debt of {$140.00}. It should be noted that we have not had a XXXX account in nearly two years and that account was in both of our names, not only my husband 's. Our previous account was closed in XX/XX/XXXX, paid in full and all equipment returned to the company. I wrote a letter to Convergent on XX/XX/XXXX disputing the debt/claim and requesting written verification of the alleged debt. Received an undated letter in return with several XXXX/XXXX   statements, all addressed to a person with the same first & last names as my husband, at an address in XXXX, XXXX. I called Convergent to advise that in the past 28 years my husband has lived only in XXXX & XXXX and never has lived in XXXX. After numerous phone call attempts over several days and including numerous " disconnects '' I finally got in touch with an employee, XXXX XXXX, who advised my only remedy was to file an identity fraud claim with the FTC and would not cancel the claim against my husband. I checked a couple of credit reporting agency reports and have found that my husband 's reports include a listing of all of our residences in XXXX & XXXX   and several addresses in XXXX where we/he have never lived. We also found that numerous credit checks have been run by companies with which we do not do business apparently by the other person with the same/similar name in an attempt to obtain credit. Clearly ( to us at least ) there is at least one other person in the country with the same first and last name.

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