BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, I have a problem with Equifax that has been going on for over a year now. Equifax do not report me. I have been a lawful permanent resident of the USA since XX/XX/XXXX, and they have never reported me since that time ( unlike XXXX and XXXX ). At first I was told that Equifax have stricter guidelines than XXXX and XXXX, so I patiently waited. But at some point last year I called them to find out what needs to be done so that they could start reporting me, and after I declined using their paid services to see my reports ( because I am a customer of XXXX and very happy with them ) they said that there was an issue with my identity verification. So on XXXX I sent all the documents to their dispute department to prove my identity, and received a response that they still can not verify that! Their reason was that my social security card has a note saying that for employment purposes I can use my SSN only with the employment authorization card. Again, after millions of calls and unsuccessful attempts to resolve the matter with them, on XXXX I sent another fax to dispute department, explaining to them that my social security number is real and that my SSN card was issued before the green card, that is why it has a note on it. Because again the employment authorization card was issued earlier than the green card itself ( because the green card allows you to work, but if you are legally in the country but your green card was not processed yet, the government sends you the employment authorization card so that you can find a job ). Anyways, I tried to explain all that to them and requested a free annual credit report. I called them a week after and talked to a supervisor in the dispute department. I was told I need to wait for 10 to 12 days. I did, and have just now pulled our my credit scores, and Equifax does not report me, and I never got that free report I requested.. I don't think I can win this battle fighting with Equifax directly, because all they do, even when you answer all the questions for identity verification, send them all the possible documents, is try to push their paid services of your credit score monitoring. This is very upsetting and it very negatively affects my life. I would be very grateful if you could help me resolve the situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The former XXXX account number is XXXX, and this account is reporting to my Transunion, XXXX, and XXXX credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed XXXX times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on XXXX and Transunion, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on Transunion report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting XXXX negative months on XXXX, but only 7 negative months on Transunion and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for XXXX additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-19
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:
someone has stolen my identity and its destroying my life I'm XXXX  because someone has stolen my identity

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 2019-01-24
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has been harassing me daily calling me at my workplace where I am not allowed to take personal calls risking my job. They have also called people who I have no relationship to or know and giving them my information for them to get in contact with me. When I was spoke to the representative at navient he was very rude and told me I needed to be man and step up. I told him I had made arrangements and they said they had no record of this. I told them what I could pay and he continued to give me and attitude and said he would keep calling until they got what they wanted and did not want to accept what I would pay and hung up the phone on me after I told them to stop calling my job and reference 's who I did not give to them. They have been calling randomly non stop from random unknown numbers from all over the country and calling and all times of the night and early morning. This harassment is out of control and they are jeopardizing my job by continuing to call job as well as ruining my name here at work. I would please like this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan modification packet has been submitted for review but my lender has failed to respond. Loancare Mortgage has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). My lender has failed to provide me with a required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this my application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Loancare also failed to evaluate me for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

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: Global Financial Mortgage, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Closed on home on Friday XX/XX/2019. Company had representative to contact me about the fee that the mortgage company removed from the contract in order for me to buy the home. We agreed for me to pay back XXXX. However, I couldn't do it in the 24 hours that they asked for after closing. I communicated that they would be paid once me and my wife got the money. We were harrassed with calls and a message on social media. 

I then received a call from a local blogger in which I didn't answer the call on Tuesday, XX/XX/XXXX. The blogger got my info from the company. They posted my phone number online. 

Additionally, I did pay the money back on Tuesday, XX/XX/XXXX via XXXX. They then responded by saying that they didn't agree to the amount of {$1000.00}. They told me that I had 24 hours to pay the {$1000.00}. After that, they would get a promissory note for me to sign for another {$1000.00}. 

I do have the message that proves that I was only supposed to pay back {$1000.00} and not the {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19
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:
On XX/XX/XXXX I pulled my credit report and noticed an auto loan from XXXX XXXX XXXX XXXX from XXXX that had gone to collections. It has not been paid on in years and the debt stands at {$15000.00}. I have never had an account with XXXX XXXX and the name on the loan in the credit report is not even my own. I contacted XXXX XXXX and they told me they could not do anything about it. I have since filled a report with the Federal Trades Commission and alerted Experian. I am currently trying to get a mortgage loan and this is not good.

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 2017-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly tried to correct an issue with Wells Fargo Home Mortgage about an escrow balance discrepancy. They dont seem to be willing to correct the problem. Every response has been inaccurate and has been handled by people that only call and give me lip service and wont answer any questions and dont know what they are talking about. I have no need to waste my time with someone that isnt qualified to answer questions in an intelligent manner. 

On XX/XX/XXXX they mailed out their most recent response to this issue, still saying that there is an escrow shortage. They try to spell it out line for line and in doing so they make the statement The Seller paid {$3000.00} in property taxes.

Then they attach a closing statement from the closing on the house to this letter. Where on page 3 of 5 under Summaries of Transactions, Sellers Transactions, Due from seller at closing, Adjustments for items unpaid by seller, on line item 15, it reads County Taxes XX/XX/XXXX to XX/XX/XXXX and then says the selller adjustment was {$3300.00}. 

That means that they think the Seller paid {$3000.00} when the Seller really paid {$3300.00} or a difference of {$360.00} which is pretty close to the amount of shortage that we are talking about here. 

Now when I pointed this out to the person handling this issue over the phone they responded to me It says Unpaid by Seller meaning the Seller didnt pay me for that. Are you kidding me? Is this the caliber of people that you have trying to fix this issue? I couldnt even explain that it mean t that the seller had not paid the taxes and that money was being deducted from his portion of the proceeds so some crooked escrow people could get their hands on it send up a smoke screen and set up some mirrors and just pay part of it for taxes owed? 

Who will make these people get in line? How can they be fined or cited for shady practices? Is this what its come to since they passed laws about padding escrow accounts so now they don it like this?

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 2017-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We secured an interest-only home loan with Chase 10 years ago to purchase our home. As of XXXX XXXX the loan is now changing to a principal and interest payment amortized over 20 years so our payment is doubling. On XXXX/XXXX/XXXX we applied for loan relief to help us stay in our home and were denied on XXXX/XXXX/XXXX. We applied for this loan with stated income at time and were unaware that our payments would double in 10 years. Since the loan was secured, I lost my job and my husband is working to make all of the payments .We have never missed a payment, never been late on a payment- through all of our financial hardships we have always made the mortgage a priority. What was stated on our application is not the case anymore. Chase did not do their due diligence during the underwriting process to ensure that in 10 years time, the we would be able to afford a doubled payment. We are now being FORCED into a situation to sell our home quickly or go through the foreclosure process after raising our son in this neighborhood and becoming active members of the community and schools. According to Chase, the reason for the denied modification process is due to " too much equity ''. It seems like Chase would WANT to assist with assets that have equity. This loan was mis-represented by Chase and approved hastily with no regard to the applicant 's well being when the loan changes at the 10 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX  they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX  simply adding new dates from this year onto the 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.

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 2017-10-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had an item listed for sale on XXXX and XXXX XXXX. I was contacted by a potential buyer. The item is listed for {$400.00}. The buyer allegedly lives out of state and wanted it shipped. So we settled on a price of {$440.00}. They wanted to use XXXX. Since I use Bank of America I have a XXXX account. I had never used XXXX before but thought It wouldn't be too hard. The buyer said they sent the {$440.00}. At that time I got an email from what I thought was XXXX saying that I had to upgrade my account to " business '' level to receive the full amount. To do that, the buyer had to transfer an additional {$300.00}. Then it was up to me to refund that back to them. ( As Im typing this I can t believe I fell for this ). In the fake XXXX email there were several instructions ( send the refund and send a confirmation email of the refund ) and once completed I would get the full {$740.00} to even things out. So I did as it said and sent the " refund '' for {$300.00} to the potential buyer. I never received the full amount back. I contacted Bank of America and was told that because it was a XXXX transfer, there wasn't anything they could do.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 the following accounts have violated my rights XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX 15 U.S.C 1681 Section 602  A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

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 2019-07-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed and spoken with the debt collectors by phone. I have explained to them about the cable bill. All merchandise was returned yet I am still be harassed about it.

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 2021-07-22
Company: Experian Information Solutions Inc.
State: NC
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 reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX 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 XX/XX/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