BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted letters asking to verify the debt was indeed my debt and they have failed to submit proper documentation. There is no signature or acknowledgment that account was my account.

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 2019-06-21
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 2 letters dated XX/XX/19 and XX/XX/19 asking for details verifying this debt was mine. I had government state insurance at the time of the visit and they have not been able to send me information I requested. I have told them twice to remove off my credit report as this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}

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 2019-06-21
Company: National Collection Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The CFPB investigated my complaint against National Credit Management. I asked National Credit Management to provide me with documentation that contains my signature solidifying the agreement between me, XXXX XXXX, and National Credit Management stating this debt would be repaid. National Credit Management has failed to provide this documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions 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 am disputing this information. And seeking reports free from XXXX and Experian and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, 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 2019-06-21
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Lexus Nexus 3 times, spent a lot of time talking to them, and the latest attempt at a phone call resulted in only automated phone purgatory, no agent. I have talked to my insurance agent, and also the insurance company XXXX twice. Again, no one can identify nor resolve the issue. 
The issue is XXXX raised my insurance rates based in part on a credit report from XXXX XXXX. The report sent to me by Lexus Nexus only lists about 20 years of property assessments. They claim XXXX did not request a report. No one at either business can tell me what is in the report that is negative. There should be nothing negative as I owe no loan nor credit card balances, have not made any late payments and have a credit score in the 800 's. I am frustrated having wasted so much time to accomplish nothing with these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with PHH Mortgage to refinance my condo on XX/XX/XXXX. The account rep., XXXX XXXX, was very helpful initially in getting me through the application process and getting the loan pre-approved and locked in the interest rate. After the initial communication on the application, there was " zero '' communication from her or PHH Mortgage. I uploaded all the required documents without her assistance or directions. 2 weeks later, I attempted to contact her via voice mail and email, no responses. On or above XX/XX/XXXX, I called again and got someone else to talk to me. A mortgage services consultant, XXXX XXXX, told me that my loan had all proper documentations and the appraisal fee was waived, but he did not understand why the loan was not put in queue for processing. Also, he mentioned that the rate lock had only 4 days left. He was going to ask XXXX XXXX and her boss XXXX XXXX (? ). He then told me that they would be contacting me. I called XXXX XXXX again the next day ( XX/XX/XXXX ), he again told me that either XXXX or XXXX would call me within an hour. He even told me to call him back by XXXX XXXX  XXXX  if I had not heard from anyone. I called XXXX again at XXXX XXXX XXXX  since I did not receive a call from either XXXX  or XXXX, but XXXX did not pick up my call. I left him a voice message to call me back. He never did call me back. I called again to XXXX and XXXX the following day to request them to call me back. Neither one did. I sent them email to request some types of communication. None responded. On XX/XX/XXXX, I received an email requesting an appraisal of my condo for {$550.00}. I sent both XXXX and XXXX an email inquiring if the appraisal request was legitimate, particularly I was told that the appraisal fee was waived. Again, they did not response. I left them both voice messages and emailed them asking for a call on XX/XX/XXXX. Neither responded. In the evening of XX/XX/XXXX, I received an adverse action letter via email denying my loan application citing the application was incomplete. PHH Mortgage is my current loan servicer and solicited me to apply for refinancing. The Company and their representatives are terrible in communication and totally unprofessional. They have misled me to think everything is in good condition and then deny my application using an unsubstantiated excuse of incomplete application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: GATEWAY FIRST BANK
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:
I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX Mortgage. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from XXXX XXXX and the alert said a Lender has requested a copy of your credit report. 
My current lender assured me this was not their inquiry as they no longer use XXXX XXXX. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX Mortgage come to find out XXXX doesnt work for them anymore he is now at Gateway Mortgage. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX Mortgage and used it to pull my credit through Gateway Mortgage. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from 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 2018-10-02
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. 

I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. 

I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. 

Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get help from my mortgage company but they continue to deny our request for homeowner assistance. My interest rate is very high and yet they say they can't create an affordable payment. 

There is a pandemic going around and I have a sale date around the corner which they won't suspend. I have proven my hardship default which we lost our XXXX income and had to start over. 

Everyone else is getting help during COVID and yet here we are with no assistance options and about to lose our home!

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 2020-04-30
Company: Experian Information Solutions Inc.
State: MS
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 reviewed my credit report and found wrong, inaccurate fraudulent accounts on 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 2023-03-10
Company: Experian Information Solutions Inc.
State: FL
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 explanation
Consumer complaint received 2018-10-02
Company: Experian Information Solutions 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:
After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.

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 2020-04-30
Company: CITIBANK, N.A.
State: DE
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/20 I reviewed a copy of my XXXX credit report and noticed an inquiry from EXXON/CBNA with an identifier XXXX. I contacted XXXX via their online portal and asked to have the inquiry removed since I never applied for an account with Exxon. I also placed a " fraud alert '' on my credit bureau reports the same day. I received an update via the XXXX online portal several days later. XXXX indicated that they can not remove the inquiry and that I should contact the issuer. Today I received two Exxon credit cards in the mail. One was in my name and one was in the name of someone I do not know. I called Exxon at XXXX and spoke with XXXX. I asked that my account be closed and that the credit inquiry be removed from my credit bureau file. XXXX said she could not remove the inquiry and I asked to speak with her supervisor. She refused. I am asking for your help in having the fraudulent credit inquiry removed from my credit bureau file.

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 2020-04-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother passed away and I am the named executor of her estate. I started probate in Florida, and obtained the necessary court orders to open and inspect a safety deposit box and to closer her account at Wells Fargo XXXX XXXX Branch. When I approached the branch, speaking with Ms. XXXX XXXX, I was informed that I needed an apostilled copy of my mother 's death certificate ( she died in XXXX ). I tried to point out to them that the apostilled copy was submitted to the court as part of probate, but that was not acceptable. I delayed traveling down to Florida ( I live in XXXX ), and started the process for getting the apostilled certificate. Once I finally got it, I re-submitted the documents to Wells Fargo. This time, they said that the names did not exactly match ( my mother had gotten divorced ). Again, I pointed out that the court had issued the court order, but they would not budge. So again, my lawyer went back to court, got an amended order, and I resubmitted it to Wells Fargo. At this point, I was informed that the box had been drilled out, because of non-payment of fees. I pointed out to them that they still have an account there with over {$10000.00} in it, from which they have withdrawn the box fees for over 30 years. But they said that since my mother had died, the account was frozen. However, they did not contact me, even though I have been dealing with this for over nine months and they have all my contact information, and they knew I was the executor of the estate. Apparently, the contents of the box are now in South Carolina, and the XXXX XXXX branch is unable to even give me an inventory of what was in the box. Wells Fargo 's incompetence in this matter has been mind-numbing. Nine months ago, when I first contacted them, I had a valid court order authorizing me to close out the account and open the safety deposit box. They ignored it, and asked for additional information, even though that information had already been submitted to the Court. They have gone out of their way to make closing this account difficult, and have made a painful task even more frustrating.

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 2020-04-30
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forebearance with New Rez ( newrez.com ) and was approved. However, I received letters telling me ( felt more like intimidation and threats ) that it would be reported on my credit and negatively affect my credit score. Furthermore that I would be expected to pay it all in a lump sum. They did not offer me options. If I understand correctly your credit score is not supposed to be affected They told me my VA loan was backed up by a private investor and I did not have the same rights under the Federal Cares ACT to qualify with my loan. I knew that this information was incorrect and these were bullying tactics to cause stress and fear. I am no longer seeking Forebearance. However, I want to hold this company accountable and prevent them from doing this to other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation