BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my second last complaint I am filing in regards to convergent outsourcing. Upon speaking with supervisor today he hung up directly on my face ( call did not drop ). I took care of an account with them back in 2017 AND I WAS STATED THAT IT WOULDNT BE REPORTED ON MY CREDIT REPORTS. fast track to today, and I've been allocating well over 20 hours per week to fix this matter ( started a week ago ) each and every single representative that I am speaking with is lying to me and furthermore I do not apprecite the hang up by the supervisor. This company has been an absolute nightmare to work with and I am in the process of getting an attorney. They have wasted so much of time and are extremely unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hired a company to help me dispute some improper items, and Experian declines to let my hired help to do their job. This infringes on my right to clean up my credit report of inaccuracies. I feel intimidated by Experian and other agencies, that is why I hire people to work on my behalf. I think the credit agencies are biased, that's why I hire experts to dispute items that should not be on my credit file. Experian is doing this illegally to avoid dealing with professional credit/repair lawyers, and it constitutes a gross abuse of power, exactly like keeping a person from obtaining legal representation in a trial.

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 2019-10-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/19 at XXXX I placed an online order with XXXX using my Citibank credit card. When I attempted to personalize the order, I found that their program was not as described, and that I would need to purchase additional food. I canceled the order on the merchant 's website. I received a confirmation email from the merchant at XXXX XX/XX/19 that this order had been canceled. 

When the order appeared on my credit card account, I filed a dispute with Citibank. Within my dispute I identified that the product was not as described ( NOT a full meal replacement program ) and I stated that the order had been canceled within hours of having been initiated. 

Citibank apparently only notified the merchant of the " goods/services not as expected '' portion of my dispute and did not include that the order had been canceled in their contact with the merchant. 

XX/XX/19 I discovered that Citibank had marked this dispute " resolved ''. I contacted Citibank and spoke with their dispute clerks who refused to reopen this dispute. The clerk stated that on XX/XX/19 Citibank sent me a notice to the messaging center within Citibank 's website, but this clerk admitted that Citibank never emailed me, called me or sent me a letter. He told me that I, as a customer, am expected to " check the messaging center every day '' in the event Citibank has sent me a notice. I find this ridiculous. 

Citibank failed to properly adjudicate this dispute. I have documentation to verify that this order was canceled within hours of being placed. Citibank never requested documentation or asked any questions. They apparently just sent a form letter to the merchant and, without contacting me for documentation, " resolved '' this dispute.

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 2018-08-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
today they called my husbands cell phone number and hes not on my credit card information, nor they canr explain how they got the number. After that they called my sister in law for whom i dont even know her number. I have o contact with my sister in law. The only number they are allowed to call me on is my house number. I '' am aware of the money I owe and they treanted me on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report in XXXX XXXX and it appears a balance from XXXX XXXX XXXX of {$8200.00} that was opened on XX/XX/2014.Its been reported by Equifax. I've been sending dispute online and by phone to Equifax but they keep getting the response that is mine from XXXX XXXX XXXX. 
I called XXXX  XXXX XXXX and talk to the fraud department and they don't have any account that belongs to me but they advise me that I have to contact Equifax, they are the one that can do something about it. 
I am a little desperate cause I'm buying a house and this is preventing me to go through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. 
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. 
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had my XXXX XXXX card for around 2 years now. I obtained because it offered zero interest and I shop a lot at this company. I have always had issues with receiving emails with my balance so I had to keep an eye on it. 
On XX/XX/10 I received a call from an unknown number, which I rarely ever answer, and it turned out to be Comenity Bank to let me know that I had missed two months of payment on my cards, which rolled over {$30.00}. I had not received any notice and was completely unaware of the issue. I went on to make the payment right away, but it bothers me that now I have such impact in my credit score for something so small. 

I had never had a late payment in the history of my accounts and this took a toll on my score. BEWARE of this company and their methods!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. 

Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Volvo Car Financial Services U.S., LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XX/XX/19 To whom it may concern, Please investigate the following account for the following reason : Volvo Financial Services, Derogatory Mark - I paid on time but I'm being listed as 90 days late - It needs to update to paid as agreed Thank you -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir, Madam, I would like to report a bank account that is involved in a crime organization that is supporting online scam. 
I have been a victim and I have paid money to the owner of your bank account. I have reported this scam to the Crime police department and Federal Trade Commission. 
Can you report the owner of this bank account to the police as well so there will not be more victims? This group pretended to be XXXX XXXX XXXX and I made tota XXXX eur payaments to different bank accounts to save the luggage of a guy who claimed to be a XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ). 


I am sending proof of payment. 

Paid XXXX, amount XXXX eur. Bank Wells Fargo, XXXX XXXX XXXX, 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 2018-03-16
Company: Experian Information Solutions Inc.
State: UT
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 had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX  XXXX XXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed Experian, XXXX  and XXXX XXXX 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX  XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX XXXX XXXX XXXX yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today Experian sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2019-10-07
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. 
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. This equated to {$3600.00}. Mr. Cooper 's explanation is that they " require '' a 2 month cushion in escrow accounts. When I asked " why '' they are doing it, the rep stated that we are " Mr. Cooper '' and we are allowed to do this. I have been making extra payments on my loan in order to bring my principal balance down, hence paying my loan off faster, I believe Mr. Cooper realized this and decided to up my escrow payment in order to make money for themselves. If I perform my own escrow analysis, I find that I am short by {$160.00}, not over {$3000.00}. This is deceptive practices and unfair to consumers. I have owned a home for over 24 years and not one mortgage company has ever done this to me. I did not ask for my mortgage to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian for XXXX XXXX account # XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were 3 reasons to investigate this account that should not be on my credit account. 1 ) The account belonged to my ex-husband, I never signed for treatment for my son treatment, 2 ) the charges we for medical bills in XXXX which are past the State of XXXX Statues for reporting 3 ) The amounts were wrong. 

I also, sent supporting documentation on XX/XX/XXXX and I feel they failed to accurately review the information. I also called XXXX XXXX and spoke with XXXX XXXX on XX/XX/XXXX. She told me to dispute it with the credit bureaus they never received any dispute from Experian. 

Experian failed to properly review the my documentation and review my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/XXXX I refinanced my mortgage with Ditech. They received the wire to payoff my mortgage ( which was sent by the title company based on their payoff instructions ) on XX/XX/2019. I have the wire operations confirmation. The routing and account number the title company used was correct ( we verified that with Ditech. ) I received a late payment notice on XX/XX/XXXX stating that my mortgage payment was late, I was assessed a late fee, and it still showed the full balance of my loan. The {$250000.00} that was wired to Ditech was never credited to my account. After several HOURS on the phone with customer service I spoke to XXXX who claimed to be a supervisor. He said he has no idea what happened to the wire, but that it was not applied to my account. He said he could not verify that they received it. I asked to speak with his supervisor and he said she was on vacation and there were no other supervisors I could speak to. He said they would try to call me back in 3-5 business days. 
I now have TWO MORTGAGES on the same house, and Ditech can not tell me what happened to my wire ( that I have confirmation that they received. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to 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 non-monetary relief
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, XXXX  and TransUnion. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B

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 2018-10-09
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im receiving repeated calls back to back regarding a payment that I promised to make next pay period. Theyve called multiple times in the same hour.

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 2018-04-10
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. 

In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and 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 2019-10-07
Company: Experian Information Solutions Inc.
State: PA
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 previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation