BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted numerous requests, made numerous phone calls, and submitted documents to XXXX XXXX XXXX XXXX ( XXXX ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

XXXX had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is XXXX excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at XXXX ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with XXXX is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The stress and fear of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Consumer Portfolio Services, Inc.
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO S Inquiry : XXXX XXXX, 2020 double times with same dates. 

XXXX Inquiry : XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2021 I had my bank XXXX XXXX XXXX XXXX electronically pay for my XXXX XXXX, 2021 payment to AFR, serviced by XXXX  XXXX. The payment was in the amount of {$3000.00}. 

My account was sold to XXXX, serviced by XXXX XXXX on XXXX XXXX, 2021 per AFR. I did not receive correspondence in the mail until after I had made this payment. All the letters came long after my payment was late even though they were dated prior. 

AFR claims XXXX XXXX, 2021 ; and at least XXXX other time around XX/XX/XXXX and XXXX, 2021 that they accepted payments on my account until XXXX XXXX, 2021. 

AFR only transferred my initial payment made to them which they show posted and cleared to their account on XXXX XXXX, 2021 which was intended to satisfy my XXXX XXXX, 2021 payment. 

XXXX XXXX, my new servicer has been contacted several times, most recently on XXXX XXXX, 2021 where XXXX XXXX from AFR and a female rep from XXXX XXXX which ended with a fourth promise from AFR to send the payment to XXXX XXXX. This time however, a the female XXXX XXXX Representative said she would note the account that AFR agrees they have received my payment intended for XX/XX/XXXX in the amount of {$3000.00}, that it had cleared my account, and that they would arrange to have it sent. 

At the beggining of XXXX I also forwarded a copy of my bank statement and the check showing it had cleared to XXXX XXXX so they could follow up with AFR. They also never did. 

My concern is, this has been said to me since the beginning of XXXX by AFR and they have done nothing about it, but make promise to do so. 

Both AFR and XXXX XXXX are reporting incorrectly. 

The payments made for my mortgage are as follows : XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my initial payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my initial payment due on XX/XX/XXXX ) Can you please help me with making AFR do the right thing and forward the payment. 

I have spoken to XXXX managers at AFR, all who promised to fix this and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife  XXXX   XXXX  made a purchase on her Saks Fifth Avenue credit card in the {$200.00} on  XX/XX/XXXX . The credit card bill was paid in full on  XX/XX/XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of th e Saks stat ement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  Capital One,  and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they MAY mark the debt as previously paid.     I have the cancelled check drawn on our joint  XX/XX/XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvio us one . .. they are trying to collect on a credit card account that their own information shows has a zero balance. This has to be illegal.     This group,  XXXX   XXXX   XXXX , or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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:
Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.

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 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved to  XXXX   XXXX , MA in  XXXX  of  XXXX . In  XXXX  of  XXXX  our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house.     In the fall of  XXXX  I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in  XXXX   XXXX  was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , and we had been living there and nowhere else since the summer of  XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected.     In the winter of  XXXX  I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since  XXXX . I heard nothing back.     In the spring of  XXXX  I received a letter from th e Dept of US  Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back.     In  XXXX  of  XXXX  Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back.     This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this  still does not allow me to obtain credit of any kind.     Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my first home in XX/XX/XXXX. My loan was sold to Suntrust now Truist in XX/XX/XXXX. Since our mortgage was sold to Suntrust, they have been collecting too much escrow from us ( they say we owe more property tax than we do, even though that amount is set more than a year in advance and published online for us and them and the local government to see ). When they first paid our biannual property tax ( XX/XX/XXXX ), they acknowledged this and sent us a {$220.00} credit. I didnt mind so much because I figured Id be getting that amount every six months due to overcollection. The second biannual property tax payment comes around ( XX/XX/XXXX ), they not only dont send us the credit, they increased our monthly payment claiming that we will owe more property tax in XXXX so they will need to keep that credit plus collect more. Meanwhile, our property tax is staying flat in XXXX, which they well know and can see publicly online. So they are now holding our money XXXX from us. I appealed the escrow amount in XX/XX/XXXX. They researched my appeal and denied it. Finally, after realizing there was no recourse here, ( end of XXXX ) I requested they delete my escrow account altogether. I signed the necessary paperwork to delete the escrow account and sent it back XX/XX/XXXX. I have called them seven times since then, waiting on hold at least half an hour each time. No one can give me any information about where my request stands. Here is the worst part for the CFPB to consider - the escrow deletion department does not accept calls or communications from customers NOR from other XXXX departments. There is no communication allowed with that department except written notes from other suntrust departments. After my sixth call, a customer service representative raised my concern for research and said someone would contact me in XXXX hours. It has been 6 days since then and no one has contacted me. I filed a formal complaint after that, and have heard nothing. Finally, today I got an automatic notification that my escrow amount due increased AGAIN. It seems illegal that there is no recourse and no relevant department to communicate with. They are collecting far more than the necessary two months cushion and not giving me any option to get that back.

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 2018-05-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX, I called Navient to see what options I have to lower my payments, I had recently got behind on payments and owed XXXX in back payments. They told me I could make a one time payment of {$250.00} and it would bring my account up to date. Then they would give me the month of XX/XX/XXXX for free and I would start payments back up in XX/XX/XXXX and the payments would be around 250.00 a month. I then called them back on XX/XX/XXXX because my automatic payments are coming out {$280.00}. I can not afford to pay this amount so I wanted to see if they can lower my payments. The person I spoke with transferred me 3 times, I finally got someone who told me there is nothing they can do. They said I only get 2 income driven repayment plans of which I have already used. They told me to call back next month in XX/XX/XXXX and I can attempt to file for Interest only payments, but it would only lower my payment to {$210.00}. I then stated this is still to much for me, I am a single mother with a tight budget and I can not afford this. They told me I need to find someone to pay my loans then and there is nothing they can do to help me. I am living paycheck to paycheck and this is a burden on my family. I am very dissatisfied with the customer service and I feel like they are charging me way more than I can afford and they offer no help to lower my payments and actually, since I have had this loan, it has gone up by {$5000.00} from the original amount and my interest rate is 11.25 %. I have been a borrower since XX/XX/XXXX and this has been an ongoing issue since starting my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 sent debt validation letters and dispute letters to PORTFOLIO RC and all XXXX credit bureaus in regard to a debt in the amount of {$440.00}. They are reporting inaccurate information on my credit report. The last active is off by a year between all three bureaus. According to XXXX XXXX XXXX XXXX a consumer has the right to dispute inaccurate information found on their credit report. The bureaus have only responded saying the account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, thank you for any help that yo u may be  able to provide. I have called in to trans union and have asked that info be updated properly. I called into trans-union and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, customer service would not help and take care of the negative inquiries reporting to my credit report. Please help, I am not getting anywhere. The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-04-25
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: Was not notified of investigation status or results

Complaint:
On  X/XX/17   , I requested  XXXX  &  XXXX  to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them

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 2020-10-07
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I disputed some transactions that were on my account and this dispute wasnt resolved it was not even explained why it wasnt resolved and went through a lot of trouble and then after they proceeded not to fix that and gave me lots of grief Ive spent probably 20+ hours on hold for this issue well I noticed that after my last call with them on the XXXX I wasnt able to view my statements any longer this went on for almost a month and I contacted them twice got hung up on and what not well then my statements came back upon available and they are not the same as my original statements their refunds that should have been refunded and what not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax Credit Bureau 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE DELETE THE ACCOUNT BELOW : ( XXXX XXXX )

Company response to consumer: Closed with explanation