BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
wrong address not mine : FCRA XXXX XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit I have a collection from XXXX from a collection company. Ive never had a XXXX account. Convergent outsourcing Incorporation I did a dispute 6 months ago and I have not gotten responses at all. I know I was a victim of XXXX credit breach and I have personally been keeping an eye on my credit. That collection is not supposed to be in my profile.

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 2022-09-10
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2017-06-16
Company: Experian Information Solutions Inc.
State: PR
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:
Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.

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 2017-06-16
Company: Experian Information Solutions 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files 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 2017-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Chase called me at  XXXX  about a payment that was made. The payment was {$150.00}, but {$150.00} was due. They called me regarding {$3.00}, but the due date on the payment was the  XXXX , but it is the  XXXX . Both of my accounts are in good standing, but yet there was a need to call me at  XXXX .   They took an auto pay for the {$3.00}, and marked our account to not call before  XXXX  (  XXXX  California time ). They claimed they have no information for making the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MD
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:
There are hard inquiries on my Experian credit report that I did not authorize.

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 2022-09-10
Company: PRONTO FINANCE INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I financed a car through pronto finance and due to a financial hardship i wasnt able to make payments on time after 3 months. My car was towed and i asked for their help to get my car and they agreed that they would help me then they never gave me my car back and told me they were repossessing it due to non payment. I cant remember any specific dates buti got the car in XXXX of 2018 i gave the the dealership which is XXXX XXXX XXXX  a XXXX XXXX dollar down payment for the car and when i check my payment history from pronto finance its not on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX # XXXX  XXXX, or XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have not given written instructions for this account to be furnished on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: EQUIFAX, 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:
On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21, I purchased a storage bench from a company named XXXX. I never received a confirmation for the product that I was purchasing. I also never realized my payment was going to a person and not a company. So, I tried to call the number on the website- the number does not go through, also tried to email, came back as undeliverable. I believe this site is a SCAM. I would like my money returned. Please advise, XXXX XXXX - XXXX - XXXX. The website contact info : Email : XXXX  Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States I reported the transaction to PayPal and they did not refund me because XXXX XXXX got his money, but I did not get my product, I got RIPPED off!! The reason I use PayPal is because I feel that they should check out the companies that are using their name as a way to pay. 

Please help! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage and sps servicing made a trial loan modification. I have a letter from them accepting agreement. Dated XXXX. I made the 3 payments for XXXX, XXXX and XXXX. SPS is holding my XXXX payment hostage. Which they cashed the check. I made it every third of the month. There making it look like we did not make the 3rd payment! There holding the payment until my husband signs agreement saying they can pull the payment on the XXXX of the month. Mind you our S.S.does not hit the account till theXX/XX/XXXX I don't trust them since they keep changing the payment amounts. Constantly harassment, XXXX XXXX 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 2021-05-12
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt with the original creditor XXXX XXXX XXXX XXXX Merchant and Professionals collection agency is still reporting it as unpaid. Please validate and delete. I received online notification from all three credit bureaus on XXXX XXXX that Merchant and Professionals Collections place an account on my Credit report in the totals of. {$190.00}. Merchant and Professionals violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report. This debt can not be validated, I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ERC
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: Problem with personal statement of dispute

Complaint:
I do n't owe  XXXX  any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Ally Financial, powered by better, in XX/XX/2022, the account was taken over by them after I had gone through a long process with XXXX Mortgage. After processing information request by Ally Financial, powered by better I was told I was going to close on XX/XX/2022, I requested vacation time but was told the closing would not happen on that date and extended it out until XX/XX/2022, but I would have to lock in the rate at {$30.00} per day, in order to continue with the process. I continue working with Ally Financial, powered by better because I had a good credit score. But in XXXX I found out that my credit score had dropped XXXX points and now I am in the high risk and would have to clear out my credit cards, along with bring more money to close. After the continuous change in the dates that owner decide to more on with the process. I signed the mutual release on XX/XX/2022, and received a denial from the mortgage company on the XX/XX/2022.

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 2017-06-16
Company: Experian Information Solutions 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:
On  XXXX   XXXX ,  2017 , received by all  XXXX  credit reporting companies by  XXXX   XXXX ,  2017 , by land mail ; I wrote a very extensive dispute request to all  XXXX  credit reporting agencies (  XXXX   XXXX ,   XXXX   and Experia n )  and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the   XXXX   system  ).   After speaking with a representative from all  XXXX  credit reporting agencies, they all confirmed that the creditors used the  XXXX  system to expedite my dispute with creditors and none of the m ( credi t reporting agencies,  XXXX   XXXX ,  XXXX  or Experia n ) req uired the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as shor t as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being rep orted correctly. I had a repossession that I settled,  XXXX  collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but th e State of Georgia has it on my credit report as a negative account. They show I applied but was not gran ted and all  XXXX  bureaus are reporting this as a negative account, hurting my credit and chances at a better life.  <P/> CFPB you got ta help me get this mess off my credit report. I am a 21 year,  XXXX  time combat veteran who could not work for years due to my  XXXX   XXXX   XXXX  diagnosed condition. This is what I get for serving my country?  <P/> This clearly violates the CFPB requirement.

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 2022-09-10
Company: VERITAS FUNDING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a written letter and it " appeared '' to be from XXXX XXXX my existing lender, stating that i had available funds in my account. It seemed like there was a escrow balance available to me for {$3200.00} ( titled available funds ). After following up on it, it was actually a solicitation from another bank altogether called Veritas Funding. This is clearly disceptive marketing practices to lure an uninformed borrower and it needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a personal check in my TD Bank account for {$320.00} on Saturday XX/XX/2020. I then initiated a ach transfer to an outside bank to be completed on Wednesday XX/XX/2020. Both the deposit and transfer were pending on Monday XX/XX/2020. I received a overdraft charge fee of {$35.00} on Tuesday XX/XX/XXXX but according to the overdraft statement the check was cleared on XX/XX/XXXX. 
TD Bank then sent an email about an unsuccesful transaction at XXXX on Wednesday XX/XX/XXXX and proceeded to put the transfer through again, with no option for me to cancel, minus the overdraft fee of {$35.00} which caused my bank account to go negative and receive another overdraft fee of {$35.00}. So in two days TD Bank charged {$72.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For months now I've been getting calls from a company called ERC. I've told them to send me some information about the debt and they refuse to do that. They call me and my wife 's phone 6 to 7 times per day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
MY Private student loans were discharged in a Chapter XXXX bankruptcy. Navient after 5 years has started to try and collect on these debts and have attached my credit as result. I have the legal document showing the discharge of the debt. They are at this point threatening legal action against me.

Company response to consumer: Closed with explanation