BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX Hospital is reporting incorrectly to Experian a collection in the amount of {$910.00} on the XXXX XXXX XXXX HOSPITAL partial account number XXXX. ( Please see page 22 of the attached credit report. ) I never gave the animal hospital permission to exceed a certain dollar amount to provide comfort care for my very sick animal. The animal hospital took it upon themselves to perform heroic measures that unfortunately did not help, and my animal passed away. I did not authorize the extended medical treatment. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit 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 2019-07-26
Company: EQUIFAX, INC.
State: NY
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 just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with equifax and XXXX  and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with teachers that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off equifax but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX divorced XXXX XXXX  in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with experia and XXXX now transition took it off right away no problem. I need your help.

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 2019-11-22
Company: Experian Information Solutions Inc.
State: MO
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:
The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 ) XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 3 ) XXXX  XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX  XXXX  ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX Short Sale was started with XXXX on XX/XX/XXXX. It was service released to LoanCare XX/XX/XXXX. XXXX forwarded the ENTIRE package to LoanCare upon the service release. 

We emailed our authorization to LoanCare, per their request on XX/XX/XXXX. Today, they are still refusing to acknowledge our authorization. Additionally, they have done NOTHING on the file since receiving it from XXXX. -- -- -THEY HAVE HAD THE PACKAGE FOR ALMOST 30 DAYS AND HAVE DONE NOTHING!! -- -- There is no SPOC assigned. They are refusing to escalate this, management is refusing to speak to us, and we can not get a return phone call with a status on this. 


Aside from gross violation of their servicing guidelines, this is a VA BORROWER. Apparently LoanCare doesnt care about our military personnel. LoanCare doesnt care it is in violation of Federal and State Laws. LoanCare doesnt care it is in violation of their Servicing Guidelines. LoanCare doesnt care about CFPB guidelines.

******we are having issues on EVERY SINGLE ONE OF OUR LOANCARE FILES. LOANCARE has neither the knowledge, nor capacity, nor the personnel to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents submitted to be worked on. 


CC : 1. OAG 2. XXXX XXXX 3. OCC

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 2019-07-26
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made all my payments on time and above the minimum payment every time. However, some of the payments I have made have not been applied to my account for months now. On the other hand, there are some withdrawals from my bank account by AMEX that I did not process and they are not applied to my account either. A dispute has been opened for one of the {$40.00} payments for over a month now. A new investigation has been opened for the others, but no explanation as to why or how were the payments process/withdrawn from the bank account without our request. 

The payments are made using my mother 's bank account as she is my account. 

XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$100.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$70.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$50.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$36.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} Total taken from my account and not applied : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2019 we received a updated letter from Specialized Loan Servicing agreeing to the payments we were late paying. The agreement was to defer the payment until we sell or transfer an interest in our home. We were 3 months behind because of a major illness. Our latest statement from SLS increased our payments. We were paying XXXX. The payment is XXXX. The balance owed was added to the payment. When we called to clarify. They stated that we will be paying this for 48 months to cover the late payments. We can not afford this payment based upon our income. 


Also, this was a XXXX  adjustable loan that was transferred to XXXX XXXX XXXX. Tried to do a modification and a principal reduction. We were not allowed to do so. We never borrowed any money. XXXX  XXXX XXXX transferred it to SLS. Several attempts were made to modify or reduce the principal.

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 2019-11-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint ( s ) are filed against XXXX XXXX .aka, Loancare aka ( loan ending in XXXX ) the collateral is XXXX XXXX XXXX XXXX with a payment of XXXX formerly serviced by XXXX, 2 ) the 2nd loan serviced by XXXX XXXX @ XXXX, formerly by XXXX XXXX XXXX and the collateral being XXXX XXXX XXXX XXXX ; the vagueness multiple names is cause for concern is confusing.to the ordinary person. In XX/XX/XXXX I had two loans with ) 1 ) XXXX and 2 ) XXXX XXXX, presently XXXX is now either XXXX  XXXX, or Loan Care, I have received billings with either name? simply stated their has been a transition in # 1 one above from XXXX to Loancare/XXXX  XXXX, that loan ends in XXXX and the monthly payment is {$560.00}, due on the 1st and late after the XXXX. My contention is that both these servicer 's intentionally process payments to " become late " to earn the penalty fee ( late charge ). Note, I send all payments to loan servicers by 1 ) proof of mailing 2 ) proof of service by mail by a 3rd party ; and a transition in # 2 from XXXX to XXXX? During the transition payments were made as directed in monthly billings although XXXX and XXXX were paid twice in XX/XX/XXXX instead of XXXX and Loancare/XXXX XXXX. Holding funds hostage is the name of their game, they are the gatekeepers of the payment received department and they have made my current accounts, all paid to date, late continuously incurring inapplicable penalties. The focus with Loan Care/XXXX  XXXX in the current debacle is payments made during XX/XX/XXXX and XX/XX/XXXX. First, payment was made through their online service and ( see attached ) on XX/XX/XXXX and a copy of the transaction was put in my files. Loancare 's negligence in processing the online payment was discovered when there was no deduction with the associated bank account for XXXX. Plaintiff, then wrote a check and sent it to Loan care 's XXXX XXXX address. Again, the transaction was not completed and no check was cashed. This was not discovered until the time the XX/XX/XXXX payment was due and after the payment due on XX/XX/XXXX was made. Loan care cashed 2 checks in XXXX, one on the XXXX and one on XX/XX/XXXX both for {$560.00}. It took 3 attempts to complete payment for XXXX, one online and two by check ( see attached ). What can your organization do for 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 2019-07-26
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) These accounts report a {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see XXXX collections for XXXX XXXX XXXXXXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those XXXX bills are not mine and have never been mine.

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 2019-11-22
Company: Asset Recovery Solutions, LLC
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:
Hello, On my XXXX Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on XXXX reported dated XX/XX/19, Items XXXX XXXX XXXX Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A QUICKPAY FOR RENT WAS MADE THROUGH CHASE BANK ON XX/XX/2019 TO ANOTHER CHASE ACCOUNT. THE RECIPIENT RECEIVED AN EMAIL FROM CHASE BANK CONFIRMING HE HAD RECEIVED THE AMOUNT OF {$1100.00} ON THIS DAY AT EMAIL ADDRESS XXXX. 3 DAYS PASSED AND NO MONEY WAS DEPOSITED INTO HIS ACCOUNT, ALTHOUGH IT WAS WITHDRAWN FROM MY ACCOUNT. WENT TO THIS CHASE BRANCH IN XXXX XXXX, IL AND MANAGER INFORMED US AT FIRST THAT EMAIL WAS TEH SAME BUT HAD GONE TO A DIFFERENT ACCOUNT NUMBER THAT DID NOT MATCH THE RECIPIENTS. THIS IS A MAJOR SECURITY BREACH. THEY WERE UNABLE TO CANCEL THE PAYMENT AS THEY COULD NOT TRACE/TRACK THE PAYMENT. HOW DOES A REPUTABLE BANK LOSE MONEY AND IS UNABLE TO TRACK AND SECURE PAYMENT AND CLIENT INFORMATION. A CLAIM WAS OPENED ON XX/XX/2019 AND I WAS INFORMED I WOULD RECEIVE A REFUND FOR THE XXXX WITHIN 12 HOURS. REFUND WAS NOT RECEIVED UNTIL ONE WEEK AFTER, 7 DAYS AFTER. TODAY, ON XX/XX/2019 A WITHDRAWAL FROM MY ACCOUNT WAS DONE FOR THE SAME AMOUNT WITH A NOTE OF CLAIM REVERSAL. WENT TO THE SAME BRANCH AND WAS INFORMED BY THE CSR THERE THAT THEY WERE UNABLE TO TRACK THE MONEY SO CLAIM WAS CLOSED AND UNFOUNDED AND THAT MONEY WAS NOT SECURED SO IT WAS WITHDRAWN FROM MY ACCOUNT SINCE THE BANK COULD NOT FIND THE MONEY. THIS NEEDS TO BE RESOLVED. IT CLAMS TO BE AN FDIC INSURED BANK AND CAN NOT RESOLVE OR SECURE CLIENT INFORMATION. THIS IS A MAJOR SECURITY BREACH AND WILL FORWARD TO THE MEDIA AND ALL OUTLETS NECESSARY TO RESOLVE AND BRING ATTENTION TO THIS MATTER. WHETHER IT IS XXXX DOLLAR OR XXXX XXXX, IT IS MY HARDWORKING MONEY THAT CHASE LOST DUE TO A BREACH AS THEY SAY AND WILL NOT RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CITIBANK, N.A.
State: WA
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 in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to XXXX -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/202XXXX XXXX XXXX - Account Review Inquiry XX/XX/2022 CITI CARDS XXXX XXXX Account Review Inquiry XX/XX/2022 XXXX - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 XXXX  XXXX ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 XXXX  XXXX - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -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 2017-10-25
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions 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:
I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with Equifax I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with XXXX & Experian to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

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 2019-07-26
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance with my current Mortgage company several times. 
we received decision of request for mortgage assistance stating we were denied for several credit reasons and loan was modified once in the last 12 months or 3 times over the life of the loan set fourth by the owner of the loan. Their mortgage servicing records are incorrect, we have not received mortgage assistance with the last 12 months nor has the loan been modified 3 times. We have requested from Ocwen/PHH the note, deed and transaction history on our mortgage. We don't want to lose our home Ocwen is very difficult to work with and is unwilling to assist us. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: TN
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:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit 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 2022-02-19
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 I refinanced my new lender sent the pay off check but they weren't sure that it would get to Mr Cooper prior to my loan due date. I made my payment for that month, because I was told I'd get overage paid back to me. I have been struggling with Mr Cooper since that time trying to get my money back. They keep saying their sending the check and it hasn't been sent. I've gotten my tax information, I've gotten my escrow money but not the $ XXXX refund. I was promised it would be sent overnight on XX/XX/XXXX, on XX/XX/XXXX a label was printed on XX/XX/XXXX, still hasn't left the building. This keeps happening. I want the money due me. They've been holding it for months.

Company response to consumer: Closed with explanation