BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: CA
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 It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

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 2022-04-03
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 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion

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 2018-10-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. Experian and XXXX  never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB

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 2017-08-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. 

I sent a message asking to revert the interest charge of {$39.00} and to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your credit reports and must delete.

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 2023-04-04
Company: EQUIFAX, INC.
State: MS
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 am a health care working traveling across the United States with rights under 15 USC 1681. Equifax has violated my rights some many times. I demand the accounts listed below be remove because according to 15 USC 1681 I have the right to privacy and I did not give Equifax permission to furnish these accounts.

I own three vehicles since 2021. I can only drive one at a time. I travel using my Honda Accord because easy to ship. This is fraudulent of Equifax.

1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company called us to say they could lower our rate. We submitted all personal documents and the new rate and low was approved. Been trying to schedule a signing and now they want us to get a Power Of Attorney so I can sign for my husband since he is out of the state for work. We did all that. They are delaying our closing and will not return our calls or emails. This has been the most run arrow down for months. Our representative, XXXX XXXX ( phone numberXXXX ) is the worst. No follow through. Wont return calls, and no one has any motivation to actually work. Tons of back and forth XXXX. Pretty sure the company is going bankrupt.

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 2021-04-09
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter in the mail from PennCredit corporation, Notice of collection from XXXX XXXX XXXX XXXX for a total balance due of XXXX for service date of XXXX Which I was no longer at this address since XXXX the water should have been cut off as when paid last bill XXXX XXXXn the amount of XXXX confirmation number 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 2021-11-18
Company: Experian Information Solutions Inc.
State: OH
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 have multiple inaccuracies with XXXX XXXX Account on my profile. 
Experian, XXXX XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXX Experian- XX/XX/XXXXXXXX XXXX XX/XX/XXXX High XXXXXXXX XXXX XXXX {$26000.00} Experian- {$26000.00} XXXX XXXX$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off Experian-Unpaid balance reported as a loss by the credit grantor. 
XXXX off account Auto Date Last Active : XXXX Experian- XX/XX/XXXX XXXX Date of Last Payment XXXX XXXX Experian- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2017-06-12
Company: ROC Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My cousin ( whom i havent spoken to in years ) was contacted about " a debt i owed '' and i neeed to contact them before legal action was taken. I immediately called API and was shocked by the phone call. A man calling himself XXXX XXXX physically threated me and said he was going to " pay a visit '' to my grandmothers house and then rattled off her personal information. I immediately called the police in newyork where the business is located as well as the police where i am. I went as far as to have the police show up to the business. After this, they stated " they had the wrong person '' after physically threatening me and my family. i XXXX the business and discovered that they collect money and never write off the debt. When someone questions them they suddenly " have the wrong person ''.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed. 

My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account should have been in COVID forbearance and not negatively reported for the months of XXXX, XXXX and XXXX, however they reported the account late and also I recently have made a payment and have paid off the account and they are not showing my on time payment in the credit report. I need them to fix my credit information as it is negatively affecting my credit rating,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, the law firm that is representing me XXXX XXXX sent TransUnion a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my TransUnion credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. 

XXXX did not comply with the letter sent by XXXX XXXX so they proceeded to contact TransUnion since they continued to report the account. 

Summary of letter sent to TransUnion Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. 
Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. 
You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.

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 2020-06-24
Company: Early Warning Services, LLC
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:
My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called XXXX  XXXX XXXX about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and zeroed out the account. Now months later I am trying to open another bank account, and they have reported false information to EWS. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and EWS and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I open my mortgage with US Bank I was told that I could repay extra principal and withdraw extra principal by calling the US Bank Mortgage Call Centre. <P/>I have paid over {$70000.00} in extra principal and US Bank is now stating they never had an agreement to give me this 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 2018-10-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I get bills from XXXX XXXX XXXX. And I didnt use any credit to purchase anything. About 2 years now and I get a bill every month and increase every time. For something I dont get.

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 2021-05-14
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I paid a {$500.00} appraisal fee for the refinance. 
On XX/XX/XXXX, we closed the loan and paid an additional {$500.00} appraisal fee at closing. 
On XX/XX/XXXX, I alerted the lender ( Amerisave ) to the mistake and double charge. XXXX XXXX of Amerisave responded that day acknowledging the mistake and stating she initiated the refund process. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again and a supervisor ( XXXX XXXX ) said he would process it. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again to follow up and notified the lender that my next attempt at resolution would be to file a complaint with CFPB. That day, XXXX XXXX responded that the refund was submitted. He promised it would get processed. XXXX XXXX responded that it was submitted to accounting via check. I asked for a timeline of how much longer could be expected and received no response. 

To this date, XX/XX/XXXX, I have received no further response and no check for {$500.00} or accrued interest on the {$500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: GA
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:
There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Penn Credit Corporation
State: PA
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:
For the past few months I've been disputing a collection on my credit to receive more information. All of a sudden all the mail I sent to Penn Credit got returned to me because their address is incorrect. This is the address that I got from my credit reports. They are not reporting their address correctly, and so I have received no verification of this debt. They never mailed me anything, EVER and I found them on my credit report, I know they are not reporting accurate information. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: AZ
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 filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation