BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: SLM CORPORATION
State: DE
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 co-signed a XXXX XXXX loan with Sallie mae, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. Sallie mae denied the receipt of the request ( which they later confirmed while on a call with Sallie mae representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: NC
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:
The Department of Education, XXXX, XXXX, and also Equifax continue to refuse to correct information placed on my credit report, during a Pandemic, covered by The Cares Act, stating borrowers payments would pause and continue to be reported as paid. This has destroyed my credit, I can not get anyone to help, and I have hired an attorney as well as contacted The White House.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I opened an account with XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that XXXX took this loan over in XX/XX/XXXX. XXXX said they were no longer in charge of the loan and that it transferred over XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I called Equifax because I keep having issues with multiple credit files reporting. There was one report that had collections on it that did not belong to me. ( 6 ) collections from XXXX XXXX XXXX. The rep from equifax merged this file that isnt mine with these collections to my real file. Now I have collections on my file. I have gotten info from this XXXX XXXX XXXX proving these are not mine and she merged the file unwilling on XX/XX/XXXX. I am under contract for a new house and this has completely stopped me in underwriting. Equifax refuses to fix the mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent three letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.

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 2020-08-13
Company: SYNCHRONY FINANCIAL
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-08-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland credit management is known for frivolous lawsuits and collection practices. 
Has raised many red flags in state of calif and arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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:
reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXXXXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX  XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is not a duplicate complaint. I am refiling this because I gave the wrong account number in my previous complaint and Well Fargo was unable to respond. 

I went 60 days late with my Wells Fargo mortgage on XXXX XXXX, XXXX. When I tried to make a payment online on or about XXXX XXXX, I could not log on to my WF Mortgage account. On or about XXXX XXXX, I received a Notice of Acceleration stating the entire mortgage balance was now due. I contacted WFM and after several discussions with several different people, I was told they could not help me and I was referred to their Home Preservation Unit. On XXXX XXXX, XXXX, they stated they may be able to help and I filled out the required forms and provided the supporting documents requested. 

On or about XXXX XXXX, XXXX I received a notice stating my home would be auctioned on the county courthouse steps on XXXX XXXX, XXXX. I contacted WFM XXXX XXXX unit several times and never got any answers, only to keep waiting for them to get back to me. In late XXXX I hired an attorney. After several attempts to discuss the issue with WFM, he got frustrated and said we needed to file suit. On XXXX XXXX, XXXX, 3 days before the planned sale, WFM advised they were unable to help me and my house would be sold. We filed suit on XXXX XXXX, XXXX and were granted a XXXX. 

At that point my lawyer was finally put in touch with their lawyers and discussions were more fruitful. In early XXXX WF lawyers proposed a final settlement that required we pay all past due payments, their legal fees, and that I would have to add escrow to my loan. They were to remove all reports of foreclosure to all credit reporting agencies. 

We paid the amount and everything seemed ok. We only owed about {$62000.00} on a {$110000.00} loan on a home valued at over {$300000.00}. Had I been upside down on the house it is doubtful WFM would have taken the actions that they did. We eventually sold the house in XXXX and paid off the mortgage. 

Now in XXXX, I am trying to get a new mortgage for a very modest home to be built on rural property we purchased with the sale proceeds. However WF is reporting that my account went 60, 90, and 120 days past due beginning in XXXX of XXXX, during the time they would not accept any payment, only the accelerated amount, and were reviewing my application for assistance. I do n't believe it is fair to report these amounts when I could not have made a payment and was waiting for them to decide whether they would provide a modification or other workout. I contacted all XXXX reporting agencies about this and they merely contacted WFM and was told the reporting was correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXX/XX/XXXXDispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I brought my son in for treatment this XXXX for XXXX. I thereafter got XXXX my insurance information ( which was to entirely cover the {$800.00} bill ) - this was to be fully covered as per XXXX 's conversation with my son 's insurer XXXX. XXXX told me it was all taken care of. They then did not take care of it and sent a debt collector after me - AR Resources. I was notified of a credit score drop yesterday - when I looked into it I saw a debt outstanding from this charge. MAJOR ISSUE is that AR Resources never contacted me - EVER! So I called today, and they refused to give me XXXX 's contact information. I WANT THIS FIXED as my credit score due to this has gone from 730 to 660! In addition, the woman I spoke to at AR was nasty, obnoxious and told me " the only way to handle this is to pay off the debt you owe '' - that 's when I asked for a manager and he said that she was wrong and would be reprimanded - I then gave him my son 's insurance information and they said they 'd call back with an update. What kind of corrupt nonsense is this?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX Portfolio Recovery XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Case Number XXXX. On On XX/XX/XXXX The court ruled against them because they could not prove they own the debt. But they are still reporting it on my credit reports. They are also reporting a charged off account from XXXX XXXX that they have not provided any lawful evidence that they own the debt such as purchase and sale agreement, chain of title or forward flow agreement with the account in question listed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation