BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX I filed disputes re false information on 4 accounts which resulted in sub par credit which has disqualified me from over 85 housing options and explained the urgency of situation since will be homeless as of XXXX. The creditors- XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX has sent documents and followed up in every way possible. I have done the same. No updates have been added to reports. 
My experience with Experian has been even worse.

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 2022-05-03
Company: Carvana Group, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a vehicle from Carvana. They have been paid and my temp tags are expiring in a week. When I initially was going through the purchase process, a representative stated that they would take care of the costs for the tax and tag. I asked for specific details about how it would work so I would be prepared. It was stated that they would mail everything I needed to pay for the taxes and tags. Today I called, I was told that I would be responsible for taxes and tags out of pocket. The agent stated that since the finance agreement did not explicitly state that the tags and taxes was part of the purchase, that I would be responsible. I feel that this behavior was extremely deceptive and borderline lying to get the purchase through. At no point, did any of the agents state that the taxes and tags had to be in the agreement for them to take care of it. I feel like they should have not brushed over the questions that I had so that I completely understood what is to be expected. 

After the check has cleared, they have done a 180 and say I am responsible for tag and tax. It says it right there on their website, no hidden fees or costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was issued a refund in the amount of {$2200.00} from XXXX to a CLOSED Citizens Bank checking account on XX/XX/2019. Once I discovered this error, I went to a local citizens bank branch in mid XXXX. They told me that if the account was closed then the funds would have been returned to XXXX. So i called XXXX many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when XXXX would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ). I don't know what else to do besides file this complaint as both XXXX and citizens bank keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to XXXX in late 2015 for a phone that I used with a former employer. Convergent Outsourcing is claiming that I owe a debt to them for said tmobile debt. Which I do not. Convergent is already damaging my credit due to me refusing to pay for a debt I do not owe.

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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 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 2019-11-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed my account was debited both ACH and debit card charged for company call XXXX XXXX XXXX XXXX chase reversed charges except two charges in the amount of XXXX and XXXX they refuse to credit back I sent in my police report for claim they won't accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I had 2 Bank of America credit cards opened in my name. One on XX/XX/22 and the other on XX/XX/22. Both had a credit limit of {$10000.00} Bank of America closed both accounts

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 2022-05-03
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Was approved for a XXXX XXXX second mortgage by XXXX  XXXX XXXX XXXX. Account # XXXX. Case mgmt # XXXX. 

XXXX XXXX XXXX sold servicing to Specialized loan Servicing, account # XXXX. 
XXXX. 

Was to receive incentive for payment for 5years at the end of sixth year. Was not in note, however my first mortgage did not include in note either. Did some research and found that after XX/XX/2012 per HUD, lenders were to notify of incentives separately by mail. Never received a notice. They are also supposed to send notice of incentive payment due 1 month prior to the sixth year anniversary. This did not occur either. 

When loan was transferred, I called Bank XXXX XXXX and the assured me the XXXX qualified for incentive and that new lender would be aware. Called Specialized loan servicing and they concurred. 

My XXXX anniversary date plus one month was this past XXXX, was told perhaps the next month. Called in XXXX as there was no principal incentive applied. Was told there was no information on file for them to do so. They wanted a document to show proof. 
Called XXXX  XXXX XXXX case management department and they had nothing on file except for the note. Their number is listed above. 

Did more research and found that the loan servicing department would handle incentives and reporting. 

Can you please assist me in getting this resolved?

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 2017-06-29
Company: EQUIFAX, INC.
State: MN
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:
OnXX/XX/XXXXI received an alert form one of my credit monitoring sites that my scores had dropped for Equifax, one dropped 14 points the other dropped 99 points. After my investigation through my Equifax account, it appeared that 69 items were affected on my credit report. The majority of the accounts were reinserted into my credit file, other accounts were deleted, credit card balances were removed and old inquiries were added to my account file. I called Equifax XX/XX/XXXXand spoke with XXXX in the Office of Consumer Affairs, she  advised me there was an abundance of information added to my report she created a dispute to the technology team to fix the issues which included deleting the reinserted accounts. She advised me to call back on WednesdayXX/XX/XXXX if the issue had not been resolved. I called onXX/XX/XXXX because I noticed that a lot of changes had been made but 25 reinserted items still remained on my credit file. I spoke with XXXX in the office of consumer affairs who refused to take the remaining account numbers to make sure those items were deleted and hung up on my twice. XXXX from the office of consumer affairs tried to delete the accounts but was having system issues advised my only option was to submit in writing to open a 30 day dispute where the creditor would verify the account. I advised that was not the appropriate approach and that I was not interested in taking that approach with my account because the items had already been deleted from my credit file. XXXX rudely provided the fax number and hung up on me. I called the office of consumer affairs onXX/XX/XXXX and spoke to XXXX who stated she did not remember the conversation we had on Monday and that she would of never submitted anything for deletion. She then told me there were 2 disputes open and there was nothing they could do about it now. She refused to follow through with her plan from Monday to have the abundance amount of information that was reinserted to my credit file deleted. The 2 disputes were opened on my behalf without my authorization. I specifically said in all my conversations with Equifax that I DO NOT want to open a 30 day investigation for the creditors to verify the accounts. Attached is a copy of my credit report before the items were changed on my credit report and the most recent copy of my credit report with changes that have been done but 25 items still remain. Also, I have attached a document that includes my conversations, dispute numbers and a list of changes that were made and remaining items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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 XXXXXXXX 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 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 2022-05-03
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had an email from cash app that I had an email sent too me saying I had an unrecognizable device logged my account. I logged into my cash app account from my cellular phone which is the normal way I log in through the app. And while I was logged in apparently someone else was also because they changed my primary notification cell phone number to some other unknown unrecognized phone number and I got sent a notification. I went in and changed that phone number back to my correct phone number and change my email back to my correct email, which they had apparently changed also. And as soon as I changed my phone number back to the correct phone number I got a notification that it had been rechanged to some other unknown phone number again. Also as soon as I logged into my account I saw a notification that someone named " XXXX '' had requested {$75.00} and while I was changing my email address and cell phone number back to the correct information someone else approved that request and sent the {$75.00} on his way to this XXXX person. I immediately was trying to secure my account and change my password. And when I went in to change my password every time the only thing I could get was an error message that the last cell phone number that had been input was not available or appropriate and was not linked. The app simply refused to allow me to change my password instead it sent me to the only option it had was to contact customer service and at that time of the day the only contact customer service was through chat. And apparently at that time of day they were unavailable because they did not contact me until the next morning! The app simply refused to allow me to change my password and secure my account! I had gone ahead and started the chat to customer service but then realize that no one was there to reply to me, but they did reply the next day. I had already started and filled out all of the information for them as far as the unrecognized unauthorized transaction for {$75.00} and they sent me a follow-up for a little bit of further information which I replied to. They notified me that the claim decision number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) all three disputes were sent by certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding two collection accounts being reported by Professional Finance Co. The collection accounts in question are both regarding an original creditor, XXXX XXXX XXXX XXXX. I have requested each of the three credit bureaus as well as Professional Finance Co to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Professional Finance Co on XX/XX/XXXX also by certified mail. Both XXXX and XXXX have deleted both of these accounts ; however, XXXX is stating that these accounts have been verified by the collection company, Professional Finance Co. I have attached the XXXX and XXXX dispute responses which reflect these accounts have been deleted. 

If Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Commonwealth Financial Systems, Inc.
State: AK
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:
A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 wrote to TransUnion in XXXX and XXXX of XXXX  and called in XXXX of XXXX  and explained that a mortgage company I am working with said that my credit report shows open disputes for closed accounts and the disputes need to be shown as closed. I have asked TransUnion to update this information and to date they have failed to update these accounts accordingly. These incorrect dispute comments are hurting my credit and causing issues with the approval of my mortgage. 
My two XXXX XXXX XXXX XXXX accounts that are closed need to show no open disputes and the dispute comments removed as the disputes have been resolved with XXXX XXXX and the accounts are now reporting correctly.

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 2017-06-29
Company: EQUIFAX, INC.
State: SC
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 sent verification to XXXX from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( XXXX ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.

Company response to consumer: Closed with explanation