BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing is in violation of -- 15 U.S. Code 1692c ( c ) 15 U.S. Code 1692g ( a ) ( 1-5 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692f ( 1 ) ( 8 ) 15 U.S. Code 1692b ( 2 ) & ( 5 ) ( See Exhibits )

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 2022-11-30
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX, XXXX, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX asking me to submit 200 word statement disputing the incorrect and inaccurate information furnished by XXXX XXXX XXXXXXXX XXXX ( XXXX  ). On XX/XX/2022, I mailed my statement together with the required documents to Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX. I also enclosed " Innovis Security Freeze Request '' ( page 7 with my name and XXXX included ). I also enclosed my Driver 's License, Electric Bill, and Social Security Card. 
On XX/XX/2022, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX. It not only failed to include my statement but also failed to include my Security Freeze Request despite my submittal of all its required documents. It asked me to file a complaint with CFPB. Accordingly, I am uploading the documents I submitted to INNOVIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character This is not mine. I am a victim of ID Theft and I have included a police report.Please investigate and remove from my credit report. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. This is not mine. I am a victim of ID Theft and I have included a police report XXXX  Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I got a XXXX XXXX credit card not too long ago and I set up auto pay, so any time I have a balance it automatically pays it, and I noticed it hasnt been charging it. It was supposed to automatically pay it XX/XX/XXXX and it never did, Im also supposed to receive an email 10 days before it automatically charges and I never did. I received an email XX/XX/XXXX and it showed my balance not being paid which didnt make sense because it shouldve already automatically paid it and I couldnt get in my account. And about a week ago I tried to login and it wouldnt work and it said to do same day payment but when I tried it said I dont have a checking account connected, which I know for a fact connected my account and have proof of an email confirming it successfully connected, and it said no account information can be updated or account info accessed. Ive been trying to login since then and now its completely inaccessible. My payment is due XX/XX/XXXX and Im really stressed out because and I tried calling customer service and it says the offices are shut down and no one will answer and it automatically hangs up. I dont want my credit score to be penalized because of this. Ive never missed a payment in my life. And I got a {$35.00} credit award from XXXX because I spent {$900.00} at other stores within the first few months and now that credit is no longer showing in my XXXX app and I contacted them and they tell me to contact the credit card company who is impossible to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Resurgent Capital Services L.P.
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested Experian to remove all old addresses and phone number off of my personal information.Experian refused to remove this information.The information is reported wrong on credit report. Please remove information off of my personal information. 
Please send me a copy of updated credit report to address listed below.

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 2022-06-28
Company: Asset Management Outsourcing, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX called, I did not answer. They left a voicemail identifying themselves as Nationwide Recovery Service, a debt collection company, attempting to collect a debt. not a sales or telemarketing call. Please contact us regarding an important business matter at XXXX. I called back, to speak with a representative, whom asked me for an account number. I explained it was a voicemail, and I was concerned this was a scam attempt. She could not find my account with the cell phone number they left a voicemail on, and asked me if there would be any other phone numbers affiliated with this account. I said no, and reiterated that they just left a voicemail on my phone two minutes ago. She put me on a brief hold ( 3-5 minutes ) ; then returned to the line, asking if I was Jane Doe ( not using my real name in this report ). Unfortunately I said yes, even though I had identified myself upon the initial call. She then asked me if my date of birth was XX-XX-XXXX. I stopped, and said I was not giving any more information. I asked what this was in regards to, and the woman said an important business matter. I told her I never received a letter, and I was not going to release any information until I knew what the call was in regards to. She then began speaking very loudly, talking over me, stating I needed to verify the information she was giving me- she was not asking me for any information, just asking me to verify the information she was providing. I hung up. Both women were US, southern accent speaking- the voicemail, and the rude representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21
Company: Exeter Finance Corp.
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:
It was reported to the credit bureaus that I was late on my auto loan for various months, however it was agreed upon with the company that these " late payments '' were protected under the Cares Act due to COVID-19 and therefore would not report. I paid my loan as agreement and they still reported the late payments. I sent a goodwill letter explaining this to them, however they wrote back stating they do not accept " goodwill '' letters but promised not to report the hardship I was undergoing by loosing my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

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 2022-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is not a duplicate complaint but is related to According to the Hamp modification the lender is allowed to add etc. they are also required to credit unapplied payments. 

I paid XXXX payments to two other servicers I believe XXXX XXXX just made me pay again. Less XXXX escrow to XXXX XXXX  Both of these loans were at XXXX and I believe they were both included in a XXXX refinance with XXXX XXXX. But because this was done without my knowledge or consent I continued to pay for a va loan eventually transferred to XXXX XXXX  {$260000.00} was a payoff XXXX  made to first XXXX  for a loan paid off twice.but this first XXXX  loan was for XXXX. But when it released it had already been foreclosed for a loan that was never in default I had however paid off the XXXX loan ( after 345 monthly payments and {$1600.00} final balance ) XXXX XXXX for XXXX XXXX and XXXX for XXXX XXXX XXXX. 

I found a XXXX release for a property I paid off in 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 2022-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 I was a victim of fraud to a impersonator of Wells Fargo. The person acted as an employee and called me with all of my information complaining they were from the fraud department. The phone numbers and all of the questions matched up and the impersonator got into my account and wired money to theirselves. My bank Wells Fargo refused to refund my money and said they were not liable for any wire fraud what so ever.

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 2022-06-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, My name is XXXX XXXX. This debt collector- Jefferson Capital Systems bought my debt collection from XXXX XXXX back in XXXX. I was XXXX XXXX XXXX. Every so often when I check my credit report, I can see that XXXX keeps updating the open date to a more recent date. Ive tried multiple times directly disputing it, and it does not work. This account has been sitting on my collections credit report for XXXX YEARS. XXXX will officially be 10 years. I called and spoke to collections with XXXX XXXX on XXXX, XXXX and they said the account was too old to find any information about the account even after I gave them the phone number my address and my ss #. I just recently spoke to XXXX XXXX collections again in XX/XX/XXXX to see if I could get an actually copy of the date this account was open and they said it was too old and in their eyes acts like it doesnt exist I refuse to call XXXX because I know they will re-open the account and itll stay another 10 years. I just recently started getting countless calls from XXXX attempting to collect a debt. Randomly. Or is it? This account of mine has been opened 10 years ago and was also brought to collections, 9 years ago. This is unfair and seems illegal after speaking with lawyers. The attorney I spoke to told me to file a complaint thru here before we pursue legal action against them, so this is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: TN
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 got these unknown addresses that I don't recognized to show up on 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 2022-11-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
the short of this is PayPal has a XXXX account that I closed at the end of XXXX or the beginning of XXXX just before I left the country to live in XXXX XXXX in XXXX of XXXX as still active. 

On XX/XX/XXXX, I discovered that this account was not closed!? Details of this I won't go into here. To me, it is not relevant but if you need that information you can ask. 

I have contacted PayPal several times including calling what XXXX shows as the corporate offices ' number of ( XXXX ) XXXX and attempted to get them to close the account, and delete it but they refuse to do so. They have told me they could go in and remove the limitations and delete the account but they won't do it. They claim there are limitations on the account, put there by PayPal and they claim that they " Can't close or delete the account until those limitations are lifted '' but they refuse to lift them and remove the account and the information that they want to lift them I don't have all of it anymore as I am not in the XXXX and do not have that bank account or live at the same address or know what they were. 

For the last 5 years, I have been under the impression that this account was closed as I closed because Paypal said the account was a XXXX account and when I moved to XXXX XXXX I would need to create another account from the country I moved to, and now I find out it was never closed, or so they claim? There is no reason for them to refuse to remove the account know? 

They have said they could remove the limits and delete it they won't. They're refusing to do it and I would like some help in getting past the people on the phone to higher-ups to get this account that should not exist removed from their system.

Company response to consumer: Closed with non-monetary relief