BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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:
As for credit reporting, apparently only XXXX has reported two debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX XXXX  which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. 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 non-monetary relief
Consumer complaint received 2017-07-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!

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 2022-02-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking Equifax, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered in a trial modification agreement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX each month payments in the amount of {$320000.00}. Instead of the three ( 3 ) payments they said on the offer they us to continue until we received the final documents so that we would not be in arrears. 

Even though we did not receive our documents to sign until XX/XX/XXXX, the documents are dated XX/XX/XXXX. After the execution of the documents the payments were : {$3100.00}. We made the payments, but we realized that what they said was owed was not right and how were all of the trial payments credited to my account? 

Every statement that was sent to me stated that i was in arrears? I have a statement that shows that I had a suspense amount on my statement of {$4800.00}, I still do not know how that amount was applied? 

We are making payments every month, it seems as though the more payments we may the more the statements say that we owe? 

When we call SLS it is going around in a circle, they put you on hold and then you get a lecture from a representative about not being able to afford the mortgage. 

They change the payments without your knowledge???? 

We want our mortgage current but we need your help to sort this out, trying to get someone in this company to clarify this issue does not work. 

Please help us.

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 2022-03-01
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I had took out a loan in the amount of {$15000.00} to consolidate by credit card debt which I was told that this would not be considered a 2nd mortgage that my home will only be used for collateral with XXXX XXXX XXXX at that time I signed a binding security agreement. for 15yrs. of 180payments in the amount of {$210.00} and 1 payment of {$260.00} with a 14.93 % interest rate total amount will be paid back {$38000.00}. XXXX has since sold the loan to Specialized Loan Services ( SLS ). I was recently sent a letter stating that my original loan is reaching its maturity date and I still owe {$9400.00} on this loan. I was told that I could try to refinance the amount or send the full unpaid principal balance XXXX by XX/XX/XXXX. As of today, I have fully paid my obligation to XXXX Specialized loan service. there is not indication on my original loan that I will be charged an additional {$9400.00} to close this loan out. I was told by agent from Specialized loan services that back in 2007when I took my loan out, companies were approving loans with low payments for affordability and my payments was not fulling my obligations, only a little over {$50.00} was going towards the principle balance and the remainder was going towards the interest since recently when they increased the amount from $ XXXX {$95.00} to the principle as of today, I have paid {$38.00}, XXXX I have fulfilled my debt of {$15000.00} balance. This type of act is illegal an therefore I do not feel I owe Specialized loan services any additional funds. I'm willing to take this action to Supreme court or file a class action law suite so no other consumer can be victimize with this unfair act. I'm requesting that my last payment of {$210.00} XX/XX/XXXX will consider this loan paid in full with a satisfactory agreement. I have attached all supporting 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 2017-11-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several different occasions I have question the validity of an account that appears on both my Experian and XXXX report. The most recent request dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  The company has failed to provide any information to substantiate the account. The Credit agency is reporting incorrect false information that is effecting my ability to receive credit.This Account with XXXX XXXX was disputed from XXXX 2 yrs ago and found to be invalid. I have since requested multiple times for the other Reporting agencies to follow suit and remove the item 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 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Amex refuses to pay {$25.00} back as per offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
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:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor Citi Bank with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

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 2020-10-12
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: Problem with personal statement of dispute

Complaint:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2022-03-01
Company: Spring Oaks Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Second notice, I sent notice to this company through CFPB stating they were in violation of FDCA. They responded that the were assigned the debt. First violation- you have 5 days to send notice to me once you assumed a debt, and give me the right for you to validate debt. you did not, Second after contact through CFPB you had thirty days to validate debt, you have not. You place on my report the debt was disputed the 5 days later you report debt resolved in which it was not. 

XXXX bank report to credit report as well. You show account is open in which it can't be it's collection then you show as if your company and me have a contract in which we don't. 

If not resolved I will take to court, and force you to show contracts between me and your company and any other company that bears my signature, I will also seek Max amount allowed per violation. I have only listed 2 so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 provide any information necessary to verify that I am filling this complaint. These stale tactics you companies are using are unprofessional and illegal. Please see attachments and provide me with the proper verification pursuant to the LAWS that govern you all business.

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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Sometime last year in XXXX my credit card was closed and then in XXXX all my other accounts with Bank of America was closed by them and when I asked why I was told because we can and we dont have to tell you and now I have a debt of XXXX $ on my credit report that I cant seem to get 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 2017-07-11
Company: Pan Am Collections, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PanAM collection contacted me first by calling my cell phone and left a voicemail. Called them back to find out who they were and why they were calling me, told me they were collecting a debt on a medical bill. They continued to call repeated times. The bill was paid in full with the medical group, documentation was send to PanAM collection company showing the bill was paid for the full amount listed on the bill! When the called a few weeks ago they were told the receipt was mailed out and XXXX proceeded to use profanity towards me.
today I received another phone call from XXXX first on my cell phone then to my house phone, my wife answered the phone and told him the bill was paid in full and he is requesting more money be paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: NJ
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 several medical collections listed which have no name on them and I have disputed with nothing being received as far as validation, these are inaccurate and I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I checked my credit report and found the following fraudulent hard inquiries on trans union credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-12
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a loan with XXXX XXXX in XXXX and now it has been absorbed by XXXX Bank. I do not have any active accounts with XXXX Bank. The debt was purchased more than one time and now Credit Corp Solutions has filed a lawsuit against me. Credit Corp Solutions is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: MD
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:
In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX )  approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

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 2022-03-01
Company: Navient Solutions, LLC.
State: NC
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:
I thought Navient would no longer be my loan servicer, but I continued to receive correspondence from them. I called in and was told that since my loans were owned by Navient, they would continue to be my loan servicer. I asked the representative to explain what that means to me and the call was disconnected. I really dont understand what is meant by my loans being OWNED by Navient XXXX I want to know when this ownership occurred and how it impacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: SYNCHRONY FINANCIAL
State: CA
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 requested reallocation of payments to promotional interest-free purchases twice and they have failed to process my request. The failure to allocate my payments as per my request resulted in interest being assessed for the promotional purchases. My third call to them resulted in me being left on hold for a supervisor for over an hour. This company makes it very difficult to obtain payment information or dispute charges by not providing an online resolution system and having excessive hold times for a customer service agent.

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 2017-07-10
Company: EQUIFAX, INC.
State: MD
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:
In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Upgrade, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I started receiving emails from the company UPGRADE saying that I was just steps away from receiving {$3500.00}. Stating this is a reminder that we still need the following items so we can finish the final review of your loan : Bank Statement or Voided Check The problem is, I have never contacted, emailed, submitted anything online or anything, period, to UPGRADE at any time. I have enough credit and credit cards and have no need for anything of this nature. 

I called UPGRADE on XX/XX/2022, at XXXX XXXX. The representative had all my information, DOB, SSN, Address, Phone Number, and email address. I have never provided this company with any of that information. Especially my DOB or SSN. I asked how they got my information and the representative tried to put it off on me, that I must have gone online or was a member of XXXX XXXX. 

The company, UPGRADE, has obtained my personal financial information and personal identity without my permission. This is FRAUD in the making. This is an unacceptable business practice, and illegal. 

I am filing a formal complaint to you, the XXXX and the CFPB, on UPGRADE, as I want this investigated and the appropriate measures taken. This is identity theft!!

Company response to consumer: Closed with explanation