BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I contacted Transworld Systems ( TWS ) today after seeing 3 collection accounts on my credit report. The first represenative was very helpful and explained that we had 14 accounts actually and 11 for some reason were not reported. When I asked the reason 1 account would be reported while another is not her could not answer and actually suggested I contact my own credit specialist ( as if they would know the reporting policy of TWS. ) I then agreed to pay all 3 accounts in full today in exchange for these 3 being removed from my credit file as the other 11 they claim to have are. I additionally agreed to make a payment arrangment on the other 11 accounts. Unfortunately the represnative I believe XXXX was his name couldnt accomodate the request so he transferred me to a Manager named XXXX. At this point my husband was handling the phone call and when the manager asked if my husband was me I was out of the room so he said yes. XXXX became irritated and question my husband as he clearly sounded like a male, I at this point re-entered the room and got on the line indentified myself and explained to XXXX that I needed to get back to my home office and my husband would handle the payment. He called my husband a liar and refused to speak with either of us at this point, repeatedly calling my husband a liar and then he hung up the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Lendmark Financial Services
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: Problem with personal statement of dispute

Complaint:
Lendmark financial called me to make a payment. I told them ok ill pay it off now. I was told by the rep who called me she didnt know how to take payment over the phone. I asked her for payoff amount and she gave it to me and someone will call me back. When they called me back i was out of town due to a death in my family. I called them back and let them know I will call them as soon as I am back home to pay. They agreed. When I returned home I called to payoff and received a higher payoff amount and was told it was a new rep who gave me wrong amount. After I paid that is when I realized they reported me paying late after agreeing I would pay when I return. Given that I paid off {$4000.00} at one time after given that payoff amount. I am hit with another {$100.00}! They should be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Receivables Performance Management, LLC
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:
I have no knowledge of this debt

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( Transunion ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Transunion ), XXXX Account Number : XXXX ( XXXX  , Transunion ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , XXXX , Transunion ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , 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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Convergent Resources, Inc.
State: MO
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:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry 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 2018-08-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my 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 2018-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not have a escrow account with my condominium home loan and never did.. 

Over the years, the bank creates an escrow account with false charges such as for fire insurance. Then they pay the false escrow charge from my monthly loan payment and claim that I did not pay my payment, proceeding to ruin my credit. That forces me to make extra loan payments. I have always have made my monthly loan payments plus two that I had paid, cashed by their bank, but never credited to my account. 

I contacted an attorney who said the legal cost to sue would exceed the amount of the two not credited loan payments I made, about {$1700.00}. The attorney said to go to small claims court, but the SC court said that the Bank who has been cheating me does not do business in my home state. 

I have contacted the bank many times and have sent them proof that my HOA pays all required insurance for my loan. I requested a complete record of my payment record but they sent unreadable records which shows that the know that they are cheating me and maybe hundreds of their other customers. Please help, this is the third time I am being cheated. Attached are the current documents. 

.

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 2019-02-26
Company: National Bond And Collection Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letters from XXXX XXXX XXXX twice since 2018. I contacted them with question about the debt/delinquent account, and why it pertained to myself. My father and grandmother purchased a vehicle through a local dealer. On the letter from collection is reference from the dealer to myself with an outrageous balance that is false and also doesn't involve me. They give no information in why they're collecting this debt and also no reason given about such.

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 2021-10-08
Company: Rocket Mortgage, LLC
State: RI
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:
On XX/XX/21 I lled out a form with rocket mortgage requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased jewelry from XXXX  XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I do not have a contract with XXXX XXXX XXXX.They are furnishing false and inaccurate data to Equifax. My dispute with XXXX  on XX/XX/2020 resulted in the inaccurate, false information reported by XXXX being deleted and removed from my report.. However, its still inaccurately being reported at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One credit card which I use and payoff each month so I don't carry a balance. Back in XX/XX/XXXX I decided to use one of their promotion loan offers to buy a pool liner. I took a loan, via an Access Check, of {$4000.00} which had 0 % interest if paid off in 18 months. I calculated that I would need to pay an extra {$230.00} a month to make sure the loan was paid off prior to 18 months. So, each month when I got my bill/statement I would pay {$230.00} extra on top of the total transactions that were listed on that statement. This way I would continue to completely payoff my credit card each month and also pay an extra {$230.00} which I assumed would be applied to the {$4000.00} loan. 

Now it's XX/XX/XXXX and I wanted to make sure I was on track to paying off the {$4000.00} loan prior to XX/XX/XXXX so I looked closer at my statements and I realized that there is no indication of how much I have paid off so far on my loan and how much I still owe on that loan. So, I called Capital One and after talking with a customer service rep for an hour or two she decided that she was unable to fully help me with my questions. So, I asked to speak to a supervisor and when I did I was told that even though I am paying an extra {$230.00} for each statement, only the minimum payment for the statement is being applied to the loan and then the rest would be applied to transactions that occurred after the end of my statement and prior my check being processed by Capital One. This means there is no way for me to know how much I need to pay for a statement so that {$230.00} goes to the loan. 

I asked how a consumer like me is supposed to calculate what payment I need to make for a bill to be sure I pay off {$230.00} from the loan and he said the best thing to do is call Capital One and ask what is the current balance on the credit card. But that still wont always work either since it takes time for my check to reach and be applied by Capital One and in that time more credit card transactions could come into the account. The supervisor said that his explanation is all in the terms of the loan. 

So, there is really no way for a Capital One consumer to know how much they would need to pay for a bill to ensure that a loan that has a interest free deadline is paid off in time. And there is no way to known how much the loan was reduced with each bill payment. 

This feels wrong to me since I assume this would lead to most consumers not paying off the loan in time and incurring all the accumulated interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account 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 non-monetary relief
Consumer complaint received 2018-08-06
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: Their investigation did not fix an error on your report

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. 
Might I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. 
I demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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:
Transunion and XXXX  have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. Transunion claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, XXXX  has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. Transunion you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.

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