BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
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 have contacted TransUnion several times explaining that these accounts from XXXX XXXX are fraud accounts. I have provided a police report, identity theft report and my ID along with proof previously requested. Please delete and block all the accounts from my credit report because this is fraud that you are reporting. Please delete & block these 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 explanation
Consumer complaint received 2016-11-01
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: MD
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:
My mortgage company, XXXX XXXX XXXX  ( XXXX ), reported with Equifax and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with Equifax and XXXX   disputing that error, but XXXX sent them ( Equifax & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote to XXXX XXXX XXXXt and requested debt validation showing I opened this account with them and owed the balance. I have NEVER had A XXXX XXXXk account and was A victim of identity theft. The company responded and said they can not provide me with A signed contract with my signature agreeing to this debt nor could they provide me A copy of my drivers license as proof I was the person whom opened his account. I then submitted an online dispute with all XXXX consumer reporting agencies as they are reporting inaccurate fraudulent information. XXXX successful deleted * Experian * XXXX both updated the account as valid. They have provided no proof of this credit account belonging to me. Instead they sent statements that where mailed out. Per federal guidelines sending mailed statements is not proof that I ( XXXX XXXX ) opened this account and requested this credit. Due to this company fail attempt to verify this debt is indeed mine I am requesting the comsumer reporting agencies remove ALL XXXX XXXX XXXX accounts that are reporting. Again, I have NEVER had an account with them and they are showing multple times on my report. Please have this removed and send an updated copy of my consumer report. They wont be able to provide such details because I have never had an account with XXXX also known asXXXXXXXX.I have requested A signed contract with my signature and or driver 's license and the company has failed to.provie this information is accurate. This is A direct violation of federal guidelines.

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 2020-06-11
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Tried to link my account to an investment account to transfer money, and was told by the service that " PNC has made a change that prevents you from being able to link your accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX has used my credit improperly. After reviewing my credit, they have reported 2 late payments. First, late payment was reported in XX/XX/2022 and XX/XX/2022. 


In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a loan on XX/XX/XXXX on my home at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX from XXXX XXXX. They then sold my loan to XXXX XXXX XXXX who then sold my loan to FlagStar Bank in XX/XX/XXXX or XX/XX/XXXX. 

After FlagStar obtained my loan ... they without my consent or authorization added 1. {$2000.00}. annual home insurance. - HOWEVER I already have insurance that I pay {$740.00} annual for from XXXX XXXX. 

2. Increased my property tax amount from {$1400.00} to {$2200.00} My county still shows that I only owe {$1400.00} for XXXX Taxes Due to the over charges they took my monthly payment of {$1000.00}. to {$1300.00} After countless times of trying to get it worked out with them since XX/XX/XXXX, I am constantly sent to collections and now they are threatening Foreclosures and adversely affecting 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 2017-02-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The Equifax, XXXX and XXXX did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the Equifax, XXXX and XXXX verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for Equifax, XXXX and XXXX. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open

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 2022-05-16
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:
I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open

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 2020-06-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted two complaints about Chase and they are refusing to correct the erroneous information reported to the credit bureaus. Instead of correcting the erroneous information, they have now asked me to call the credit bureaus to " record my explanation '' for their erroneous report. Chase closed my credit card for no reason, did not process my payments, and added fake charges to my account ... then reported me to the credit bureau for late payments which would not have been late if they did their job. During this time, Chase reported late payment to the credit bureaus. In an attempt to resolve this matter, Chase agreed to remove the false late payment reported to the credit bureaus ( from XX/XX/2019 to XX/XX/2019 ), but they have since tried to make it my responsibility to correct their erroneous reports by directing me to the credit bureaus to cover up their bad business practices. These late payments supposedly happened during the time when my card was closed and Chase was reporting erroneous balances to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Receivables Performance Management, LLC
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: Information belongs to someone else

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : 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 # XXXX, XXXX XXXX XXXX XXXX # XXXX, Receivables Performance # 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 2016-11-21
Company: Flatonia Investments, LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Terrible experience refinancing through Envoy Mortgage, XXXX XXXX 's agency. Use higher that average title and appraisal services and pass cost off to the customer. Horrible customer service - especially once you have paid them. Pay-offs were done wrong and could not get answers to my questions, just told to go figure it out myself. Mortgage was sold and no notification was sent to customer. Paid extra to principle before my loan was sold - it 's been two months and that money has never materialized at the new mortgage company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am set up on a rate reduction plan where XXXXNavient auto drafts their payment from my checking account. The payment amount is XXXX from my account is. For the last statement that I received, there 's a late payment charge on there. I 've never been late on an auto draft .... I am under the suspicion that they are trying to sneak in fees to further inflate what I owe. Also, my billing statements do n't seem to add up. Online it shows no more than XXXX or so but I 'm being drafted for about 4 times as much. I understand that paying more will help pay this down but I am already struggling to make these types of payments with my wage. 

They started me on this program last year and it seemed to take a while to kick in. When I called to ask, they gave me some crazy excuse of the payment not going through and tried to make me pay a higher price because " I was late ''. I checked with my bank and all of my money had been there the whole time. I would really like you guys to pull the recordings from last year. I believe they were looking for a way so that I could n't pay the {$550.00} each month but more instead. Their sneaky antics seem fraudulent to me and I 'm not happy to be dealing with this predatory lending experience. 

Also few years ago XXXX XXXX has called my co signers repeatedly even after issues were resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: PA
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 confidentially under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Nelnet, Inc.
State: AL
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:
XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a XXXX period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and XXXX. 



Thanks again for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Choice Recovery, 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: Information belongs to someone else

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, Choice Recovery Inc # XXXX , Choice Recovery Inc #  XXXX , Choice Recovery Inc # XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX 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 2019-12-13
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19 I got an alert that Deville collections had added a collection account on my XXXX  credit report with the original creditor of XXXX Deville did not properly notify me via mail before placing this account on my credit report this not giving me the right to dispute. Plus the account with the original creditor XXXX is more then 7 years old. Please dispute all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am in the process of repairing my credit and in going over my credit report with XXXX I noticed that my Nelnet Student Loan that I am currently paying on is also listed on said report XXXX other times with the same exact information as the current accounts only they have different account numbers showing and are reporting as transferred/sold. I spoke with someone in customer service on XX/XX/2021 and he stated it's not showing on their end at all. I'm trying to figure out how if it was transferred/sold that it is still showing with Nelnet-The original company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXXXXXX XXXX  game at my house in Florida. XXXX  was installed XXXX XXXX  week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next XXXX months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took XXXX more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?

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 2021-11-14
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past 2 weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation