BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: NC
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:
Problem with XXXX, Equifax, and XXXX XXXX. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ONLINE Information Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a collection account added to my credit report in XX/XX/XXXX for a utility bill from XXXX XXXX. I never received the final bill and never received an attempt to collect payment for the final invoice for XXXX XXXX. The amount of the invoice was {$99.00} and all my other invoices I had received a statement through email that prompted my payment of the invoice. I am being told 2 different stories. XXXX XXXX tells me they did not have a forwarding address which means they could not have mailed the final invoice to me. The collection company claims they had an address on file once it came to them but that address was provided by myself when I called to clear the account. There has been a lot of back and forth. The customer support at XXXX has been good but Online Collections XXXX is rude and unprofessional. 

As well I was never contacted by the collection company about resolving the issue. It was not until I applied for a mortgage refinance that I learned the collection was on my account and I cleared it up quickly trying to get this removed from my report. 

Unfortunately I have been lectured by XXXX about my responsibility etc and did not appreciate being talked to like a child while trying to inquire about having the collection account removed since it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
there are 6 accounts reporting on my credit report that are claiming to be in a chapter XXXX, wage earner plan. i have never filed a chapter XXXX, i have filed several disputes with transunion requesting debt validation and asking for proof that these accounts belong me, i was told that the information is being verified by my home address, they have refused to provide any type of contracts, they did acknowledge that my account shows inaccuracies but they refused to remove these negative remarks, instead they said i need to dispute these items again, this will be dispute number 6, i am entitled to see verification on how they are saying these debts belong me but i have not got any help from trans union.

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 2018-01-25
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original  creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me
( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this  matter to enforce my rights under the FCRA

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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I submitted a claim to XXXX XXXX due to a problem I had with a flight and I had a insurance which I bought using their website. The XXXX XXXX costumer service team reviewed my claim but, I never received the refund and I been waiting a couple of days. So, since the period time frame passed I called my bank and I submitted a dispute about the refund. Bank of America provided the refund to me the next business day. However, after a couple of days I received a letter in the mail requesting proof of the emails or information stating that XXXX XXXX issued a refund. Nevertheless, I submitted all the emails and information they sent me stating that they were going to refund me partial of what I paid {$360.00}. On the other hand, after I submitted all the information and everything, Bank of America sent me a letter that the refund they gave me will be reversed to my bank account. This is ridiculous and unacceptable because I have proof of what XXXX XXXX sent me. Therefore, the solution I want is for Bank of America to delete the negative balance I have in a bank account closed since they didnt believe the documents I provided.

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 2019-07-09
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: Personal information incorrect

Complaint:
I have incorrect personal information in TransUnion, my Name is XXXX XXXX as You can see on my driver license and work authorization. Please fix this problem 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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear TRANUNION : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX XXXX XXXX was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon TRANUNION to follow the law : Either provide documentation that the law was followed by contacting XXXX  XXXX XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. They put 83 credit inquires on my credit

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 2019-05-14
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a private student loan from XXXX for 3-4K and have had no contact nor received anything from this company XXXX XXXX XXXX since XXXX. This collection agency claims that now my balance it XXXX and because it was charged off in XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XXXX since XXXX charged it off.

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 2021-02-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my complaint is because Specialized Loan Servicing has not evaluated fairly my financial setback due to the pandemic situation. 
Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, Loan I am currently 8 months behind and they are playing games. 
They are reporting me late on my credit report even though there is a local law here in XXXX XXXX about evictions and foreclosures. 
they approved me for a short sale on XX/XX/2021 even though they know I want to remain in the home. 
I tried to pay 4 monthly payments over the phone to catch up and they refused the payment claiming that my file is " under foreclosure " If I make 4 payments then I should be given an opportunity to work this loan out with them and for them not to be so drastic on my situation. 
I can not sell the home at this time and i want to keep my house. Please help me figure this out with them. 
Thank you. They can be reached at 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 2018-01-25
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Social Finance, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested a payoff statement for 3 different times with myloancare/XXXX XXXX. I am told to wait 30 mins and to then call back. I provided three different email addresses and a fax number and i have yet to received a payoff statement from them. I really don't know what else to do, this is preventing me from closing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: MI
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 recently obtained a copy of my Experian credit report online, for accuracy reasons, to discover that three negative items I had disputed two years ago have not been updated. I inquired on the website about this, and the notation only stated a bunch of par-legal jargon ' can not guarantee accuracy of report information ... ' whatever the heck that means. Upon attempting to re-dispute these 3 negative items, I received a web popup telling me invalid reason or response, please try again later. All 3 of these negative items are accounts that did not belong to me, or stopped billing me 2 or 3 years ago, with no letter or collections communication thereafter. 

I am at wits end on how to proceed further. Legal intervention is requested please.

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 2019-07-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was a victim of an online payday loan scam. I was specifically contacted by an impersonator that was stating that he worked for XXXX. He had offered to give me a loan for {$5000.00}. Put a small deposit into my account. Had told me to put a total of {$870.00} on a XXXX gift card. Then a couple days later took out the funds that he deposited. Causing my checking account to be overdrawn by {$870.00}.

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 2018-02-01
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.

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 2019-07-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi my name is XXXX XXXX In reference to Wells Fargo loan # XXXX I have been overcharged an additional {$35.00} fee as interest on this loan now the maturity date is the XX/XX/XXXX of every month the statement is received 12 to 13 days later from the postal service please review this loan my contact info is XXXX thank you

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 2019-07-09
Company: PNC Bank N.A.
State: WI
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:
In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.

Company response to consumer: Closed with explanation