BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The dismissed bankruptcy on my TransUnion, XXXX XXXX  reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my updated credit report and I noticed that there were several account and incorrect personal information reporting that does not belong to me. Please assist me in getting these items removed from my credit file. 

The following address information is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine : XXXX XXXX XXXXXXXX - Bal : {$4000.00} XXXX XXXX XXXXXXXX - Bal : {$2500.00} XXXX Unknown Inquiries : XXXX XXXX 13 TIMES

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 2019-09-16
Company: WELLS FARGO & COMPANY
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Wells Fargo Bank regarding my credit card on XX/XX/2018 and advised them that my debt is uncollectible because the statute of collections has expired. They continue to remove this debt and put it right back on my credit file therefore causing a new collection items on my credit file for the same debt that has been removed over and over again. I never received a response to any of my requests from the company.

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 2018-04-26
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me. 

I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle. 

I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce. 

Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband. 

Thank you in advance for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of fraud and stolen identity. I contacted the creditors and the credit bureaus over a year ago to make them aware that someone is using my identity. The credit bureaus have failed to investigate and/or address the issues that I am having. They are sending out generic replies that they've investigated the fraud and have updated my file and have decided to leave the damaging information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Convergent Resources, Inc.
State: GA
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:
Convergent Outsourcing sent a collection letter in which I replied seeking verification in the form of a signature. They have not sent the requested documentation and illegally added this account to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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:
my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year in XX/XX/XXXX I had a switch of bank accounts as I moved all personal accounts to where my business banking accounts are held. During this process I had the accounts paid for online and had named the new account the same as the old account. I was notified that my homeowners insurance was not renewed, their was a mix up from the carrier as to where the renewal was sent. I paid my mortgage as usual however Amerihome was trying to take it from the closed account. I was not notified by Amerihome not only for the insurance renewal but also that the Mortgage was not paid for XX/XX/XXXX. When I was told i was late in XX/XX/XXXX, I immediately paid XX/XX/XXXX and XX/XX/XXXX totaling over {$4000.00}. I had spoke to customer service to get this resolved and they had acknowledged the mistake on the draft and the insurance renewal and sent me a link to get the late removed. It has not been removed and I called to inquire again as recent as 30 days ago and they had told me it was not done and they are not sure why.

Amerihome Mtg CO, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery Associates LLC, Has maliciously and and with disregard for correct legal policies for their practices. 
They call my parents house 3-5 times a day, some before XXXX and some after XXXX XXXX. Even after they have requested them to stop calling. 
PRA is trying to collect a debt that was charged off by XXXX XXXX, by writing it off as bad debt on their tax submissions, making this debt not illegible to be sold to a debt collector, making PRA illegally trying to collect an invalid debt. 
The also are reporting two separate debt accounts across three different credit bureaus, which while they are the same 'acccont ' they are listed as two different accounts with different account numbers. 
As is my right with the Fair Debt Collection Practices Act ( Including but not limited to Section 8070-8 ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ), I have repeatedly requested verification of evidence bearing my signature, or that the account is indeed being reported accuracy. I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which has still not been provided. 
Additionally, as is my right, I asked for the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they 'verified ' without providing any proof, bearing my signature. 
AS PER FTC OPINION LETTER FROM ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
Yet that is the only thing they have provided, even writing to say they see the dispute as closed, which they can not do, without providing the above mentioned information within 30 days. Which they did not. The only legal recourse is for them to remove this collections from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
InXX/XX/XXXX I completed a refinancing loan with XXXX XXXX XXXX. In XX/XX/XXXX Ocwen took over servicing of the loan. At the time the mortgage was signed, escrow payments had been computed through XX/XX/XXXX which included payment of insurance and taxes. In XX/XX/XXXX, Ocwen wrongly purchased force placed hazard insurance. This is my second complaint with CFPB ( first filed in XX/XX/XXXX after first trial ). After I won a defense judgment in XX/XX/XXXX, a few days later Ocwen began completing Escrow Analysis. The escrow analysis and deletion of escrow analysis lasted approximately 2 1/2 years and included approximately 8 escrow analysis. After the final running of the escrow analysis a new statement was run inXX/XX/XXXX that deleted several costs including the force placed insurance. The above information regarding escrow analysis ( which included an entry that default trigger on hold for escrow analysis ) was produced in current foreclosure filed in XX/XX/XXXX. The Ocwen log is highly redacted with very deficient privilege log. I would like to receive a copy of the unredacted Ocwen log on my account. Also Ocwen has produced 2 very conflicting account histories. The one produced in XX/XX/XXXXtrial does not show my payments late from the very beginning of the loan. The most recent payment history produced in XX/XX/XXXXshows me late on payments from the very start of the loan. Filed motion to strike their pleadings for fraud on the court regarding the conflicting payment histories, inaccurate BPO to base value of home for mediation, and that they claim to have filed an original note. Certified copies of note from the 2 court files indicates otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a balance and a late on an account that I paid off over a year ago. This account has already been paid and should not have a balance nor should it have a recent late. It is only reporting to TransUnion as well.

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 2019-09-16
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 i was notified by loan care llc that i was behind on my payments. it was found that they went to XXXX. they said they were going to reverse the payments any apply them to their new loan number for me. 

As of XX/XX/2019 those funds still have not been applied, i've just been told it takes time ... i dont understand how after 3 months they still can not get the funds applied. i was told by a rep to send in my bank statements which i did on the website and still have not heard anything back. i was told that this would be resolved on XX/XX/2019 and it still hasnt.

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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/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 2018-10-17
Company: Cordoza & Wexler Recovery Services
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:
This company keeps calling my job & I dont know them & I owe no one. They are also sending robo calls I have proof if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2018-06-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 my account was charged an unauthorized amount for {$890.00} from XXXX. This charge was was not authorized by me. I have reached out to XXXX to refund me but they have refused, so I called my Chase bank who I thought would help me but they did not get my funds back. I am so heartbroken and have low funds due to this. Someone please help me recover this so I can pay my rent I will be living on the street with my XXXX year old daughter someone please give me a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was accepted into XXXX XXXX XXXX by XXXX  college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started classXX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX  to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX   from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.

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 2021-07-20
Company: Experian Information Solutions 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:
A mortgage I co-owned with my daughter at XXXX XXXX  was paid off. XXXX by mistake reported a new mortgage under may name. As a result, my FICO score dropped 30 points in XX/XX/2021 After XXXX was notified about the mistake, they deleted the information but the score remains low and unchanged. 

My numerous attempts with Experian to understand the issue and correct it were unsuccessful. Experian claims it is the algorithm that is never wrong and there is no human intervention and no one can share or do anything about it. Suggested I hire an independent credit consultant.

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