BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The other consumer reporting agencies have removed and blocked the inaccurate accounts that were being furnished on my consumer report. I have attached the proof that they have done so. I expect that this be processed immediately so that I do not endure further damages from your reporting of this inaccurate information. Your failure to positively verify these accounts thus far has hurt my ability to obtain credit during this pandemic which is unfair to me and my family.

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 2015-10-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax continues to reinsert previously deleted and false information and I am asking CFPB to make them stop doing this. They have ruined job opportunities and credit opportunities and cost me an increased mortgage interest rate because of this. Currently, they are reporting, in violation of their own policy and federal law a Chapter XXXX bankruptcy that was filed seven years ago in XXXX 2008. 
Additionally they are falsely reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXFinally, they are reporting as XXXX separate inquiries a single authorized inquiry XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is falsely reporting XXXX collection accounts on my credit report. I disputed them all and surprise they come back verified. I try and make contact with the companies, 1. XXXX XXXX - NEVER received a response of validation 2. No company info/No Contact Info - {$1200.00} 3. No Company info/No Contact Info - {$180.00} This is n't even funny anymore. Now equifax is being arrogant now, not even reported contact information. Why should they have to. They could get away with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2021 I Requested that NCB Management Send me the Original Agreement for this allege collection account XXXX Any promissory note attached to this agreement Along with the 1099 -OID for this alleged debt if it is not medical debt.

They sent in the paperwork that had no signs of my own, It is against the statute of frauds of South Carolina - " Statute of Frauds SECTION 32-3-10. " Agreements are required to be in writing and signed. ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' NCB has yet to produce anything that resembles a contract yet they keep contacting me with this alleged debt as if they have the right to I want this alleged collection account permanently deleted from all of the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.

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 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA loan with SunTrust mortgage now Truist. My father ( now deceased ) was the co borrow on my loan but not living within my home. The past year, since XX/XX/XXXX, SunTrust has except and authorized a billing address change over 20 time from an unauthorized and unknown Individual via USPS postage card requesting a '' change in billing address. '' I have spent over 24 hour in total this past year trying to address this issue with no resolve. I spoke with a XXXX today, in which my XXXX mortgage statement and paperwork for a Forbearance where sent to 2 different addresses which 1 was my deceased fathers whom passed on XX/XX/XXXX. The other address is my paternal grandmother I am astranged from. 

2nd, I have requested Truist remove my fathers name from the loan in attempts to stop my mail theft. I provided Truist on 2 dates via 2 different methods copies on my fathers death certificates and my birth certificate.

3rd, Truist has failed to process my forbearance and or Covid hardship form within the allotted time frame. It has now been almost a month I can not get answers from the Truist customer service phone workers.

4th, I am missing a {$100.00} check which was issued to myself for a bad check SunTrust disbursed for escrow back in XXXX XXXX. ( XXXX from XXXX location spoke with )

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 2020-03-31
Company: EQUIFAX, INC.
State: SC
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:
Spoke with a representative of XXXX, XXXX  and Equifax, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Spoke with a representative of XXXX, Transunion and XXXX, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which I did, and it came back verified. This isn't possible, Ive already file a report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, I just want to protect myself from any further damage, and get these accounts off my report, which has cost me denial of credit and higher rates when I did get approved. I was totally clueless of this account until recently in XXXX when I got 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 2018-07-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had spoken with the loan officer of Quicken loan about refinancing. He had come up with a good offer that I couldn't refuse. He was only mentioning to me that the deposit for appraisal was refundable and I will receive it in a form of check or credited to the loan but failed to mention to me that if the loan did not work out the deposit is not refundable. He had me sign so many papers and when come to the appraisal deposit he had sign again but still did not mention anything about the appraisal not being refundable if the loan did not process. 
I had paid XXXX and the loan did not work out. 
Now they telling me I had sign it but initially they did not mention anything about it not refundable. I had talk to the senior administration official..they said the case is close and they can not do anything about it and keep telling me I had sign it .. but I'm not aware of it and sign it thinking that everything was going well. I felt cheated because the loan officer did not mention to me anything about the appraisal policy. The only thing he was telling me was its refundable after closing. 
I know I lose my money but this company need to have their employees honest upfront with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: RSI Enterprises, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a written notification from RSI Enterprises , Inc. dated XX/XX/XXXX for " DC Office of Tax and Revenue ( OTR ) -Past Due Account ''. The letter includes my personal information and Tax Account Number, as well as the following : Tax Type : Individual Tax Period End Date : XX/XX/XXXX Principal Amount Due : {$670.00} Interest Due : {$380.00} Penalties Due : {$290.00} Total Amount Due : {$1300.00} The letter only states that " this tax liability has been assigned to RSI Enterprises , Inc. by the District of Columbia, Office of Tax and Revenue, for collection. '' It then states that I owe the above total amount, plus additional interest, charges and late fees, with ZERO information as to what this past due fee pertains to. There is no information regarding my option to dispute this claim, and only instructs to submit payment to the debt collector agency. I have lived in North Carolina since XXXX, and have no idea where this is coming from. I have the right to know what " debt '' I'm paying before blindly sending a lot of money I don't have to a debt collector. Of further frustration, I guess I will have to collect " additional debt '' in the form of late fees for every day I have to wait to receive more information. I hate how people are put in this situation when I've genuinely never avoided paying taxes, and get hit with a surprise like this with no chance to understand or plead my case. Hoping someone can help. 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 2021-07-31
Company: The Outsource Group, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently responded to MEDICREDIT, INC on XX/XX/2021 for a alleged debt of XXXX that i don't owe, so they have violated by not responded within the 30 days time frame and i sent them another letter on XX/XX/2021 requesting the validity of the debt again and they have not responded. i need help in resolving this matter because they are causing me harm and XXXX. i am going to the doctor more and taking more medicine. my certified mail tracking # for XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient ( formerly XXXX XXXX ) makes it very difficult to pay off my private student loans. I have been paying for around 10 years now and have barely made a dent. If I had been told when I was applying how much I would have to pay each month and for how long, there is ABSOLUTELY NO WAY I would have signed off. Unfortunately for me, and fortunately for Navient, I was naive and uninformed. I did not know the right questions to ask nor the information to seek. 

My interest rates are insanely high ( 8-13 % ). With what I owe, you could actually finance an exotic car at around 4 % and pay it off in about 6 years. My higher education student loans are going to take me 25+ years. How are student loan rates allowed to be so ridiculously high when for the same loan amount you could get a car loan for so much less?? 

My payments are through the roof and I can never meaningfully get ahead. Even when I pay more than the minimum due, they put that extra money toward the following month 's interest rather than letting me pay down the principal. I did this for over a year ( when they were still known as XXXX XXXX ) until I realized what they were doing. Apparently, you have to mail in your payment, along with a letter stating that you want the extra amount put toward the principal rather than the following month 's interest. Why ca n't I choose to put more toward the principal with the simple check of a box online when I make my online payments?? Because they do not want to make it easy for you to pay down your loans. They want the interest payments. This system should be a crime. I hope it is. 

At this point, I have given up hope of ever paying it off. I am supposed to have about 15 years left of paying this mortgage-sized monthly bill, but seeing as how 10 years of payments have had little effect, I do not see how that would be possible. So I only pay the minimum now, even though it gets me nowhere. This debt will most likely follow me to my grave. And that is the Navient way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are in process of selling our home and found out that a ocwen did not pay our property taxes for XX/XX/XXXX and XX/XX/XXXX. Our property was sold and we had to get a small loan to pay the XXXX to get our property back. We would have never found out that our home was sold if we had n't had our house on the market. Ocwen lied saying that they sent out a check but XXXX XXXX courthouse said they never received the payment. We also checked with XXXX to see if they received payment. They said they never received it. My husband drove to charleston to pay them and I 'm attaching the redemption certificate he received for your records.

Company response to consumer: Closed
Consumer complaint received 2021-07-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am XXXX  of a startup of XXXX established in XXXX, 2021 and have been using Paypal as their main payment option for providing XXXX XXXX XXXX abroad from XXXX. 
In 1.5 years of our XXXX  we have done total business of around XXXX USD from Paypal and around XXXX USD from all payment options. 
There have been 513 total transactions in this time period and very less disputes which got resolved successfully out of which many were fake disputes done by scammers. 

We help financially weak students in XXXX, XXXX countries and XXXX XXXX get good & cheap education from our academic rich experts who provide them online class support. 

Today I got an email stating my paypal id is permanent closed for violation of any norms but I can assure you with all my dignity that we never do anything which is unethical neither there have been any dispute or false activity done from our side. I think there have been some mistake from Paypal automated system which closed our account. 

We comply with all the government norms of our country, regularly pay taxes and have GST and all required and approved documents for running the business. We are ready to resolve the issue if there is some issue from our end to get this ban lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
GC Services put something on my credit report without sending a notice of right to dispute. This debt is a XXXX debt that was paid by XXXX. They advised me they paid it. Then out of no where I see this on my credit and got it resolved immediately. But they never notified me and along with that notification they are required to give me 30. They are in violation and I would like it removed from credit due to this fact. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Randolph, Boyd, Cherry and Vaughan
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX to discuss a account that was reporting on my credit report from an original creditor of XXXX XXXX XXXX. I was told I would need to speak with Randolph, Boyd, Cherry and Vaughn to discuss account. I called the law office of Randolph, Boyd, Cherry and Vaughn and was advised that the amount due was {$3700.00}. Which was different than the amount showing on my credit report which was {$6100.00}. I was told by XXXX, ext XXXX that they waived the administrative fees and I needed to pay {$3700.00}. They also mailed me a letter confirming this amount that was due. I paid that amount and received another letter stating they were going to close the account. That letter was dated XX/XX/XXXX. The balance updated on all three of my credit reports to open account with a balance of {$2400.00}. I called XXXX XXXX XXXX and they stated they could not update it needs to be done by Randolph, Boyd, Cherry and Vaughn. Then I called Randolph, Boyd, Cherry and Vaughn and they have said they do not report to the credit bureaus it needs to be fixed by XXXX XXXX XXXX. I am tired of going back and forth this has caused so much XXXX XXXX and health problems in my life dealing with this agency. On my credit report it says the balance is owed to XXXX XXXX XXXX and they are refusing to update my credit report to reflect the account is closed after I paid through the steps that they requested I go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i was offered a pre approved ad to apply for a discover card on XX/XX/24 so i did they ran my score i was denied and they dropped my score 17 points o XXXX. it was a hard inquire but 17 points? i expect a few points but 17? thats insane any questions contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: LEXISNEXIS
State: PA
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 contact the four major credit bureas and lexis nexis regarding a mortgage account that is on my credit. The credit agencies XXXX, XXXX, XXXX, XXXX responded that the information was accurate and updated the mortgage balance to 100 % more than the last amount I disputed. Now these reporting companies claim I won a {$790000.00} Home when I disputed it the home loan was only {$79000.00}. How did this increase over {$700000.00} which is clearly a mistake and is not my own loan. Lexis Nexis has feed records which these company claim that is what was used to verify however the deed records I disputed has an incorrect name!!!! Its not my name!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
I having this problem with Chase, 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 XXXX XXXX

Company response to consumer: Closed with explanation