BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2018, I have the XXXX XXXX XXXX and XXXX service, I put an account in collection that I did not even know existed, I never received letters, or calls, about this account and I have fought with XXXX to have this removed from my credit, they They let me know that my information was exposed in black marketing and I showed them with documents that I had served with another company and they do not want to take away that debit that is not mine, they do not have any information on the address where this service was used charging {$370.00} dollars

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 2021-05-11
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted PHH mortgage company and asked about having my payments deferred/forbearance and was told I could have them deferred for 3 months and the 3 missed payments would have to be paid at the end of the 90 days

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 2022-09-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX I sent by certified mail to CSC Credit service Company about an alleged debt that they say I owed to CSC Credit service Company I have yet to get a response from them I informed them that my HIPPA, and my rights to Privacy had been violated under ( 5 U.S.C. 552a ) as well as 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participated in anyway, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or to attempt to collect any extension of credit, or ( 2 ) punish any person for the non repayment thereof SHALL be fined under this title or imprisoned not more than 20years, or both. 

They have reported this debt on my credit report and has caused me to not to get a house along with my insurance premiums going up. They have and are using EXTORTIONATE MEANS by damaging my name and credibility. And now their silence in this manner is Unacceptable. 

Ive asked for them to provide the following items Provide a copy of my signature with the provider to release my medical information to CSC Proved proof with a verified certificate of authority, and proof their company is licensed to collect debt in my state of Texas. Along with a license number and registered agent or agent of service. 

And lastly an affidavit signed under Penalty of Perjury that their organization has not violated any portion of the FCRA, FDCPA, HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect money.

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 2017-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I applied for 2 remote data entry positions through Upwork.com and was selected to interview for both, the interview was exactly the same, communicated using XXXX app Company 1 : XXXX XXXX Username : XXXX XXXX XXXX and Company 2 : XXXX XXXX XXXX XXXX XXXX : XXXX I was instructed to sign 2 offering letters, then provide Name, Address, and phone number in order to send Equipment ( laptop with security software, printer, etc.. ) to me for work. I was then informed that I will responsible for the payments to the vendor prior/upon delivery of equipment 's and that the funds will be provided by them. They proceeded to send me a picture of printed checks and instructed me to proceed with a mobile deposit XXXX Bank of America ), one in the amount of {$2300.00} ( BoA confirmation # XXXX ) and the other in the amount of {$1900.00} ( BoA confirmation #. Once I was completed, I was told to send proof that I completed the deposit and was asked to proactively go ahead, and send money to separate vendors. I did not agree to do so and informed them that I had to wait for the funds as I didn't have any and will do so after. XX/XX/2022 I was at the airport and tried to multitask ( sending money to vendors and deal with travels ). The funds were available by morning so I proceed to process payment to the vendors. I failed to process payment through ( XXXX ; XXXX XXXX, XXXX and XXXX; didn't allow me to add my card ) so I was instructed to complete all transfers through XXXX platform and sent screenshots of proof. Transfers completed by the following separate amounts ( Was in a hurry to go have lunch in piece with my family after picking me up from the airport ) For XXXX vendors : {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), For XXXX vendor ; {$1100.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ) {$350.00} ( ( XXXX XXXX ; XXXX ; confirmation # XXXX ) I have reached my daily XXXX transfer limit of {$3500.00} so this is where my transfer had stopped. It didn't dawn on to me that I was being scammed until I finally sat down and ate while excitingly sharing with my family members of my new job offers. 
I was then transferred to the BoA XXXX department to explain of what happened and without notice, I was sent to a automatic notification where it tells me that I will receive something in the mail and that a new card will be sent to me then the call ended. ( This complaint has nothing to do with my card. Only unauthorized XXXX transfer ) It has been close to 30 days now and I still have not received anything in the mail other than the notification that I was charged for the amount that were stated in the checks.

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 2022-09-09
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Previous complaint number XXXX Dovenmuehle Mortgage has reported to the credit bureaus a Major Derogatory again for the month of XX/XX/XXXX. According to the Coronavirus Aid Relief and Economic Security ( CARES ) Act if my loan was current prior to the forbearance the loan will report current. My loan was in fact current and had been since its inception. This is unacceptable! 
As a good faith effort on my part I paid my payment for the Month of XX/XX/XXXX on XX/XX/XXXX because their prior excuse for this was that I was making payments later than the XXXX of the month ( but before it was actually late, so prior to the XXXX of any month ), and that was complicating my " status '' in their system to show me as 19 months overdue. An excuse I find totally unacceptable. 
As stated in my original complaint I have been requesting deferral paperwork to rectify my loan since I resumed payments in XXXX of XXXX. So for 11 months Dovenmuehle Mortgage has been who is delinquent not me. 
At this point their actions are affecting how other companies view my credit as one company has already lowered my credit with them to reduce my ability to run my business from that card as I have done when needed in the past. I am forced at this point to explore my legal options because of the careless actions of Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
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: Account status incorrect

Complaint:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX 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 2022-09-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The choices offered in your form to get me to this section do not really apply ( nor does my response after this about Nelnet as Nelnet has nothing do with this scam ) but I had to click on something. I was told to file a complaint with you by the Student Debt Crisis Center. I recently received a phone call from a woman named XXXX saying that she worked with " student debt '' at " education '' and that my deadline was coming up fast and she was holding my file open for a while to call her back asap. When I called I got a man and he asked for lots of info including the last four digits of my SS #. Then he seemed to have ALL my information, including the amount I owed ( my loan is currently on hold and in default ). He said that based on my age and the time I had paid that all but {$3100.00} would be forgiven, that I would pay online for four months - XXXX, XXXX, XXXX, XXXX @ {$190.00} and then from then on XXXX on I would pay {$10.00} for 240 months. It all sounded legit until they asked for my credit card. I hung up. The phone number ( I still have the original message ) is XXXX and in the message it says to opt out call XXXX. I never called that number. 

This is clearly a scam and it is repugnant and disgusting since so many of us are desperate to get relief for our loans. I am XXXX so clearly praying on older folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Bull City Financial Solutions, Inc
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.

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 2017-06-18
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.

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 2020-10-15
Company: Patriot Finance, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX  XXXX  is illegally trying to collect on a debt I originally had with Patriots Finance. This debt was in collection with Patriots in XXXX. I received a call from XXXX XXXX around XXXX of XXXX saying they were working with Patriots Finance to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from PF. A month letter, I get a credit update saying I owned XXXX XXXX a loan balance from XX/XX/XXXX. XXXX XXXX is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with XXXX XXXX. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.

Company response to consumer: Closed with explanation