BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I've sent multiple dispute letters to Transunion, XXXX, and XXXX and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).

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 2022-07-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, XXXX XXXX The XXXX XXXX XXXX XXXX and its Subsidiary EMC Mortgage Corporation set me up in a Forbearance Agreement. Which I abide by and made my payments of {$350.00} each month. Then in the year of XXXX I was hired in the Bureau of the Census in XXXX, North Carolina as an XXXX  or another name is a XXXX XXXX XXXXXXXX. Why working on an assignment in the field a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  causing me to be injured and rush to the XXXX XXXX room. There I was put out of work. And I send letters to the EMC Mortgage Corporation Customer Representative explaining that I have XXXX XXXX XXXX XXXX Each representative gave me different amounts to send in my mortgage payments. I call the Supervisor of that EMC Mortgage Customer Service Representative he gave me a different amount to send to get current on my payments.

Later I received letters from that the EMC Mortgage Department stating the amount of payment was wrong. They told me the Customer Service Representative does not work here any more, and the other representatives have been reassigned to some other consumers. Then I received an eviction letter forcing me out of my home in less than 30 days. I am filing this complaint unlawful practices in servicing consumers ' home mortgage loans. And I am filing the complaint because I want to be reimbursed with interest of the money I lost on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Information belongs to someone else

Complaint:
My XXXX XXXX Transunion credit report indicates I had a hard inquiry made on XX/XX/21 by XXXX XXXX. No I didn't. My last hard inquiries were for a truck purchase and made on XX/XX/21. I called XXXX XXXX. They have no record of me having an account with them. next I called Transunion who told me to make this report for fraud. By the way, my XXXX report does NOT include this hard inquiry made on XX/XX/21. 

I have already been made a victim of identity theft by 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 2021-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX  and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Navient Solutions, LLC.
State: GA
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:
There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO XX/XX/XXXX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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: Account information incorrect

Complaint:
Credit Report drawn for mortgage loan. 
XXXX, TransUnion, XXXX  IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''

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 2021-09-25
Company: ENCORE CAPITAL GROUP 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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted on XXXX XX/XX/2019 by Portfolio Recovery Associates about a past debt that I have no knowledge of having. The representative mentioned that there was an attempt to deliver paperwork but paperwork delivery was at a different location that my physical home address. Upon requesting further clarification, the representative continued to say how I was refusing to pay the debt. I never refused to pay the debt, I would just like clarification on the debt. I will be delivering a " Cease and Desist Order ''  to the aforementioned party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank took over as the third party bank processing the XXXX XXXX  XXXX credit card several month ago ( around XX/XX/XXXX ). The transfer of my account from the previous company took place and there were no issues with my account balances. 

However, the new bank - Synchrony Bank has a policy in place where they reduce my auto recurring monthly payments when I make additional payments. I had calculated exactly what my payments needed to be monthly to pay off my balance without accruing interest. Then I purchased another item that needed to be paid off after my upcoming bill in order to avoid interest. Instead of changing my monthly recurring payment, I decided to pay additional amounts as one time payments and I pre-scheduled them online to be once a week. I received a letter in the mail in XX/XX/XXXX from Synchrony Bank saying they had decreased my recurring payment based on the one time payment I had made. I chatted with a representative online who told me that is how this system works. It seems unethical to me that my payment would be reduced when I choose to make additional payments. That has never happened to me, not with the previous bank nor any other bank I have had a credit card with. 

On my XX/XX/XXXX invoice I was charged interest because they reduced my payment amount without my permission. I called them on XX/XX/XXXX and they resolved my account by removing the interest charge. I received another letter in XX/XX/XXXX where they reduced my recurring monthly payment again. It has not yet posted to my account and the representative can not assist me. I have to wait to see what will happen and call again. 

I do not think it is appropriate to auto reduce someone's payment in an attempt to make them accrue interest.

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 2023-03-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When I got my apartment last XX/XX/XXXX I had a XXXXredit score of XXXX when I applied for a credit card a couple weeks ago I was turned down due to late payments on a student loan. I have prided myself on making payments on time and paying off my used car. When I was turned down I was totally shocked and did not understand. So when I returned to work I pulled my credit report and saw that Nelnet had me 120 days delinquent and {$3200.00} behind. I had been paying the XXXX XXXX XXXX and XXXX but did not realize that I had a third loan company sitting out there as I had never received any correspondence from them. I had resided with my mom my whole life with no address change. She or I would of never threw away any correspondence from XXXX or any mail that was not junk. I never received any notification either through mail, email or telephone. I then contacted them and found out the I was in forbearance in XXXX and XXXX but was not notified when that ended. They had an old email address for me that my employer changed sometime ago. I questioned as to why the when an email address is changed it should of came back to them saying it was not deliverable. That'always happens when I send an email to the wrong email address. They said that had sent letters to my moms address, called and emailed me. I ask them why would I XXXX up perfect credit by just not paying one of my creditors. I got no where with them or their solution department. They continued to say we contacted you with no response. I kept saying why would someone with perfect credit XXXX it up like that? I filed a dispute but they seemed to be standing their ground. I ask that since I was not advised I ask them to remove it from my credit report and allow me to start making monthly payments. Since after several phone calls and hours of conversation I contacted my uncle who is a collection lawyer and recommended we file the dispute and contact the CFPB. He said this exact thing happened to his son but he new someone who worked with XXXX and he was able to get it cleared up I don't have the connections he has. He said that CFPB would take this serious and look into it. Getting my credit report cleaned up is what I am hoping for. Please advise me how to further handle this very frustrating and upsetting situation,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Good Evening, Received Citi Simplicity Card in mail today XXXX/XXXX/2017 @ XXXX I successfully activated the card. However, upon registering for an online account I was asked for a code word to validate my account. Confused I called the Customer Service # listed on the card and explained to the first representative I am a new account holder ; just received card, activated and have no such codeword. I was told I needed to verify my identify. That call ended by her disconnecting and two calls later I spoke with XXXX and repeated the above. I informed XXXX XXXX was recording the call as the two previous calls ended abruptly and I was unclear why. XXXX proceeded to tell me he needed a number to verify me. I told him I had three numbers. He immediately tried my landline number and stated my name ( verified it was me and my XXXX account ) but then proceeded to tell me my XXXX number did not meet the criteria. When I asked what the criteria was he stated " that information is classified. '' I proceeded to ask XXXX to close the account as I knew there was something immensely wrong with the verification process. He stated he could not use the other two active working numbers ( personal cell phone and business cell phone ) but a supposed random number listed by my ss #. He then proceeded to call this number and upon returning to the call ask me about an family member, I laughed because he was referring to my XXXX XXXX XXXX son! The entirety of the call was recorded and I made XXXX fully aware of the recording multiple times and he agreed to be recorded. In the end XXXX refused to closed the account as I requested because the three numbers he could call did not meet a " classified '' list of qualifications.

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 2022-11-16
Company: EQUIFAX, INC.
State: IL
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:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, without recipient or confirmation of legal procedure or notice of documentation to evict from apartment complex nor court document posted nor mailed from XXXX XXXX XXXX Sheriff department. This action lead to eviction/homeless only to later XX/XX/XXXX rec. photo copy of notice mail from XXXX Sheriff department however no letter from the collection agency listed on credit report. 


I.Q. DATA INTERNATIONAL, INC XXXX XXXX XXXX XXXXWAXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2020 XXXX XXXX sold their bank to Specilized Loan Servicing. 
I had a HELOC with XXXX XXXX bank. 

I was given no notice or information concerning how to access my paid up line of credit. 

I contacted company multiple times with no response. 

I ultimately filed a complaint with CFPB. XXXX. 

I was told that the company would resolve problem. I was forced to pay {$46.00} to close account, which I did on XXXX XXXX. 

I received notice onXX/XX/XXXXthat loan was closed and that my mortgage was released. I have received no notification of release nor has county clerk. 

This has caused severe financial issues for us through absolutely no fault of our own, specialized services has made no effort to fix the problem that they caused. 

They are NOT a company that one should deal with.

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 2021-06-02
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation