BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing Inc has been trying to collect a debt that I do not owe ( from a XXXX bill ). I have sent them three letters ( certified ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting them to validate such debt. COI response has always been " we have completed our dispute investigation ... .debt is valid '' and they attach a XXXX Bill dated XX/XX/XXXX. This document does not verify the validity of this debt.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
* XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove * XXXX XXXX Never apply a account I send a letter to credited and credit report didnt remove Only in Tranunion Need to be removed XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a complaint in regards to Complaint ID : XXXX that was sent to TransUnion. I am appalled that TransUnion decided to attack and accuse this consumer of being a credit repair company, which this consumer is not. TransUnion handle this complaint unprofessional and distasteful. 

This consumer is respectful asking Transunion to re-investigate the disputed items XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, 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 2023-02-01
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:
below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief XXXX XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX  XXXX CAPITAL ONE a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX b. On record untilXXXX XXXX5 XXXX. XXXX XXXX XXXX a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX XXXX. On record untilXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX ... I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. But you 'll find that the reported PHONE NUMBER on the credit report is inaccurate. There are also other inaccuracies that appear on the fully detailed credit files about this public record. 
The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, TransUnion has continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). TransUnion thumbs its nose at federal laws! 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.

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 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in a forbearance period due to COVID-19. As soon as I was able, I contacted the mortgage company which at the time was XXXX XXXX XXXX to request a loan modification. I received the paperwork, it was acceptable and I signed and had notarized all of the documents. In the meantime, I received some correspondence from Community Loan Servicing that they had purchased my loan. I didn't care as I was told they would honor the agreement I had signed with XXXX. I spoke with tons of representatives over the course of time trying to find out who I was supposed to pay, how much, when due, etc. but got the same response every time that they were working on it. At least six months have passed. Last week I received a loan modification packet from Community Loan Servicing which has been completely redone. The interest rate is higher as is the monthly payment. I had already signed the documents for the forbearance loan prior to my loan being sold. I didn't believe that selling a loan changed the terms. I would like to move forward with the original loan modification that was signed and delivered according to instructions. I don't believe I should be penalized because another vendor took possession of my loan. I didn't have a say in that. Please respond as soon as possible. I'm so worried that if something doesn't happen soon my home may be repossessed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I applied for a HELOC with Navy Federal Credit Union. I have been in my home for 14years current on my mortgage. my credit is a XXXX XXXX I have been employed with the same company for over 14 years. I was denied the HELOC loan and was never told why I have equity in my house. But I was approved for refinance with a higher interest rate than wht I have now. I don't want to refinance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting inaccurately on my credit. This was included in my chapter XXXX bankruptcy in 2016 and should not be an active collection on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attached are 5 documents that require responses from Selene Finance : 1. Selene Finance Tax Form 1099-A - Acquisition or Abandonment of Secured Property - Selene Finance acquired my home on XX/XX/XXXX. I received no notification to show up to court prior to acquisition of my property & Selene Finance ignored XXXX XXXX effective until XX/XX/XXXX. 
2. Mortgage Balance- is my mortgage balance {$180000.00} or {$120000.00} or {$110000.00} or {$100.00}, XXXX as of XX/XX/XXXX? 
3. Property Not Vacant Notification sent to Selene Finance in XXXX ( certified mail/return receipt ). This letter serves as written notification that the property is owner occupied and NOT vacant/abandoned. 
4. XXXX XXXX filed by Selene Finance for repairs I did. 
5. Documents Requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased from XXXX XXXX XXXX in XX/XX/XXXX. I received a letter at the end of XXXX my mortgage was sold to Specialized Loan Servicing LLC ( SLS ). I contacted SLS as I wanted to make a payment prior to XX/XX/XXXX. When I reached them, I was advised that I could not make a payment until the loan " Loaded '' on their system which would take a couple of weeks. I called back to make payment. The first payment was not accepted and called back again and made payment on XX/XX/XXXX. The payment was accepted and was told it was placed in a " holding place '' as the loan had still not loaded. The load was not loaded to the SLS system until XX/XX/XXXX. I made two additional payments, one on XX/XX/XXXX and one auto draft on XX/XX/XXXX. The XXXX payment posted for XXXX and the XXXX payment posted for XXXX. The XXXX payment was missing and listed as I was delinquent. I WAS NOT DELINQUENT. I called and was told it would take 30 days to correct my account for the payment that was placed in the holding place. I have called XXXX times, provided documentation from my bank statements of the evidence of payment via fax, and email. I also paid the home insurance that was delinquent by SLS on XX/XX/XXXX and I still have not received proper treatment or allocation of the payments. I have written the CEO XXXX XXXX without a response. At this point, I am at a loss as to how this organization is in business and what is happening with customers funds. I question the ethics of this organization as with over 14 years with XXXX XXXX XXXX I never had to call 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 2017-08-25
Company: Experian Information Solutions Inc.
State: KY
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 XX/XX/2016 ( as well as many other dates before & after ) I received a reply from Experian regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Experian says the information is verified as accurate. But as you can see ... Experian does not provide very detailed investigation results. It 's laughable! 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, Experian have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Experian thumbs its nose at federal laws! 
Additionally, Experian has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court.

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.

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 2017-08-24
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
shortly after multiple fraud incidents, I was contacted by a loan/ check casher known as " Easy Money, '' In XXXX TN, about a check that bounce in which I owed them money. The man who committed fraud is the man who made me cash the check, shortly after having a verbal disagreement with the company I started receiving threats in the community, and over the phone. There was a pretend telemarket collect call, this man named XXXX XXXX ( may have lied about his name ) sounded similar to the man who made the call. This man pretended to be the American government and threatened to murder my family. Easy Money hired XXXX XXXX ( may have falsified his name ) to seek after me about the verbal disagreement and to have him hurt me, this man XXXX me, and I have yet to be able to solve the issue. This man was reported, but I can't get in contact with anyone about the issue. I know that they collaborated due to the degree of the crime. He sought after me for the company, and there is debt to pay ; there are issues blocking me from paying the debt. I am complaining about the severity of the threats by the company. I do have my own bank statements, showing the failed recovery of the debt, but that level of retaliation is unnecessary. My life isn't to be threatened.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am experiencing repeated FRAUD, involving my checking and savings accounts, with {$150.00} dollars unaccounted for, involving my checking account, during the past four days, and inability to use my ATM debit card, suggesting both THIEVERY, EMBEZZLEMENT and FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, 2021 I logged into my Chase mobile app to send a XXXX payment to a friend ( XXXX XXXX ). XXXX is linked to my contacts so when I saw the name XXXX in my XXXX contact list, I selected it and sent the {$750.00} payment. My friend XXXX did not text me letting me know that payment was received so I checked the Chase mobile app and noticed that the XXXX I sent the money to was the incorrect XXXX. The XXXX I sent the money to is someone who made a purchase from me back in XXXX. I text the XXXX ( XXXX XXXX ) that I incorrectly sent the money to but he did not respond. I filed a claim for the money with Chase but they denied the claim and said that I need to file a claim with XXXX ( transaction number XXXX ). I filed a claim with XXXX but they did not investigate. They sent me an automated response telling me to contact my financial institution. I am being sent in circles and neither XXXX nor Chase protect their customers from sending money to the incorrect recipients. I attempted to delete the incorrect XXXX from my XXXX contact list in the chase mobile app but there is no option to do this. So the incorrect XXXX 's information will always be in my XXXX list which means the potential to send money to the incorrect recipient is always there.

Company response to consumer: Closed with explanation