BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I called Convergent Outsourcing and the agent and I agreed upon an amount to satisfy a collection from XXXX XXXX. I paid the amount agreed upon ( {$330.00} ) via credit card immediately and received a confirmation number of XXXX and a promise of a letter stating that I had paid the account in full and that the collection was closed and satisfied. 

When I hadnt received a letter or email, I called back on XX/XX/2023 and was told that while there were notations on the account saying we had reached an agreement and that payment had been made, it had not processed their systems and could I send a screenshot of my account showing where the exact amount was debited. I did as asked and sent it to the email address given to me, XXXX, along with the account number I was given. 

As it is now XX/XX/2023 and I have not received proof ( and this is delaying my mortgage pre approval ) I called again today and spoke to a supervisor who said they had done their part, that XXXX XXXX now needed to process the payment and let them know it was taken care of. When I told him that I had paid them, not dish, he reiterated that their part was done and it was on dish now. 

I called XXXX and the agent I spoke with said that once the debt passes to a collection agency, it is out of their purview and that the problem was on Convergent. I explained to the agent that yes, I did pay convergent over the phone, but my bank statement says that the payment of {$330.00} was processed by XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2023 so they should have record as well. She stated again that the collection agency was at fault. 

At this point, I dont care who dropped the ball, I paid the amount requested immediately, I sent my confirmation number and the screenshot of my statement showing the amount was debited and to whom it went and now all I want is this taken care of and removed from my credit report so that I may continue with my mortgage.

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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/2022, i received an email from Bank of america saying that they received my credit card application, i call them immediately to report it was fraud, not from my. they said they will solve the problem. in the morning XX/XX/XXXX, i received another email from bank of america saying that my credit card application was approved with XXXXXXXX XXXX limitted. I called them right away and they said they will cancel/close the account. then i contacted XXXX XXXX and XXXX to dispute the credit card inquiries.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, i filed a complaint.. It was PARTIALLY resolved On XX/XX/XXXX. 

my loan was on forbearance due to the pandemic. During that time frame, My loan was NOT to accrue interest during the relief period. 

On XX/XX/XXXX i received my loan modification documents via fedex. There was NO estimated unpaid principal balance breakdown documents. 

On XX/XX/XXXX i received via XXXX a correspondence notified that was written on XX/XX/XXXX. 

This document did give the Breakdown estimate of unpaid principal balance. 

Mr. Cooper has added {$10000.00} for Delinquent interest which they can not apply Under the covid 19 relief act. 


In XXXX when i received my erroneous loan modification, my interest rate was locked in at XXXX. NOW due to Mr. Cooper delay on my loan modification that has taken over 18 months. my current interest is XXXX. 










When my forbearance timeframe expired, Mr. Cooper made an major error on my loan modification. They had my former husband name on my modification loan. The underwriters had the right book number BUT wrong page number from the Registry of Deeds in the Town of XXXX, Ma. I refinanced in XXXX when i finalized my divorce. My former husband name was not on the mortgage and is not on the title of deed. This is all documented at the town of XXXX registry of deeds. My loan company was XXXX, it was bought out by Mr. Cooper XXXX. 

The delay on my loan modification was fully due to the underwriters. From XXXX to XXXX i made numerous calls, written emails to their complaint Department along with a written faxes to lost mitigation, which i received XXXX response. IF the underwriter had corrected modified my loan by simply deleting my former husband name which should not have taken more than a week, i would not have wanted 2 years to have my loan modification RECTIFIED. Removing my former husbands name off my loan is all that needed to be done to make my loan free of errors. I faxed with a certified notary from the Town of XXXX MA, registery of Deeds my property deed and mortgage, I only received a response after i filed a complaint with the CFPB in XX/XX/XXXX The delinquency of accrued interest needs to be exorcised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NV
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:
My credit was accessed on the dates described by the companies listed below without my authorization. I currently have a credit lock on my credit profile with Experian. On XX/XX/XXXX, I addressed the unauthorized inquiries with Experian and was told that inquiries could not be removed, which is a violation under the law. The unauthorized inquiries are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: IL
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: IN
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 accordancewith the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX  XXXX... 
XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-14
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: TX
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:
According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-25
Company: SYNCHRONY FINANCIAL
State: OR
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:
XXXX XXXX I mailed a XXXX money order to Paypal Credit svcs/synb as I have done many times. The payment was not credited to my account, but XXXX verified that the money order was cashed. Synchrony Bank asked me to send them all the information I have, plus fax them the XXXX money order customer 's receipt, which shows the XXXX serial number, which I did do. Synchrony Bank did credit my account for the {$400.00} M/O, but the following month they reversed the charge. I have been contacting them every month since then to ask for my credit back, they would give it, then take it back again, and again. The XX/XX/XXXX statement shows 2 {$400.00} credits totaling {$800.00}, and on the same statement there are 2 charges for {$400.00} each, erasing the credits. I only want what the {$400.00} credit I had paid them in XXXX XXXX XXXXXXXX. THE IMPORTANT POINT HERE IS ; I SENT SYNCHRONY BANK THE INFORMATION TO PROVE THAT THE MONEY ORDER MAILED TO, AND MADE OUT TO THEM, WAS CASHED BY THEM. Obviously they are embarrassed to admit that someone in their operation had stole or applied the credit to another account.. This has taken multiple hours of my time and stress communicating with them about a final resolution, to no avail. i am retired and on SS plus physically unable to work again Please help 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 monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it 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 2022-11-29
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime online bank has locked my account for bo reason. They asked for my ID, proof if address and proof of my phone number. I sent that to them 4 times and even called to verify my identity with a human. They still will not unlock my account. I even took a selfie picture holding up my drivers license next to my face and they still are refusing to unlock my account. I've decided to switch banks but need to get into my account for my future deposit coming in from my employer. They are harassing me and giving me the total run around and I need some help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-11-27
Company: EQUIFAX, INC.
State: AZ
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 Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX 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 instructions

Company response to consumer: Closed with explanation