BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and US Bank automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for US Bank reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, 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 2020-01-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company calling themselves XXXX XXXX XXXX. Have contacted a 3rd party person, regarding a debt they claim I owe. They have given information to this 3rd party to include last 4 of my social security number. They then threatened to have someone come to my employer and serve legal papers on me. 
These calls occurred XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. I contacted their office on XX/XX/2019 and requested they cease communication with the 3rd party. However, the calls continue to the 3rd party cell phone. 

Upon contact, was able to determine they are a debt collector and are attempting to collect on a tertiary debt. The claimed debt is at least 5 years old and outside any legal Statute of limitations for my state. Asked for address to mail a cease calling letter and they refuse to give an actual name or address. 

The phone number they leave to call back to is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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:
My issue is with Equifax, there was a Fraudulant Account on the Credit reports. I Disputed with XXXX XXXX and they determined we did not take the account out ( Identity Theft ). XXXX submitted, on or about XX/XX/22 to all 3 Bureaus to delete the file due to Fraud. XXXX and XXXX deleted and restored my credit scores. Equifax determine the account belonged to us, but this is not accurate since the Lender had determined it was Fraud and not our account. I contacted Equifax by phone on XX/XX/22 put on hold for 35 minutes and then having to get a Supervisor, I was told I would have to file a new dispute and upload the Document from Upgrade. I reluctantly did this ( not happy for more delays restoring my credit ). When trying to Upload the doc. to Equifax, the site said it could not and after trying 4 times I saved and sent the dispute in, but without the Document I am sure nothing new will be done. I tried to find a different way to get the Doc to them, but could find no way to do this or any way to get to a real person. I am at a loss as to how to get this finally resolved. I have already had 2 of my Credit Cards, reduce my credit line due to these reported lates ( on the Fraudulant account ) and low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ALLY FINANCIAL INC.
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:
15 USC 1681a ( 2 ) ( i ) clearly states ( 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 ; I have attached a copy of your previous communication to me through the CFPB where you admitted to furnishing EXPERIENCES between your company and me the consumer. This is expressly excluded from the consumer report. No late payments ( ir : experiences ) should be reported on my consumer report by your company. You are in direct violation and will be subject to criminal and civil penalty if you fail to comply with the legal terms of this section.

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 2018-01-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Initiated a balance transfer from another account to Wells Fargo and made timely payments during the promotional period. 15 days before the expiration of the promotional period I called in to pay 100 % of the balance off before the promotional period expires and interest is charged. Three levels of customer service confirmed with me that I could not pay off a specific promotional balance because their system did not allow for payments to be applied to specific promotional balances ( I had two ). Further, I was repeatedly told that though my statements say the promotional interest rate expires on XX/XX/2020, it didn't really expire until the end of the billing cycle, or XX/XX/2020. I was told this is actually how Wells Fargo does this, but yet, I had nothing in writing to back up their statements. I was told to call in after the close of the billing cycle and as assured on the phone I would not be charged interest until after the close of the billing cycle. Three issues : 1. Zero ability to pay off the promotional balance separately, and, 2. I had zero documentation reported to me on how my payments would be applied, because my thought is they would be applied to the balance expiring first, and, 3. I had zero documentation reported to me on their purported actual date the promotional  interest rate actually expires. 

I want to pay what I owe and have it paid before I am charged interest, yet, this does not seem 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 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 2021-10-03
Company: EQUIFAX, 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:
my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 noticed several credit card accounts on my credit report that does not belong to me. 
XXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... AccounXXXX Number XXXX... Date the Account was opened 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 2021-04-19
Company: Convergent Resources, Inc.
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:
On XX/XX/XXXX I discovered that Convergent Outsourcing, a company I had never heard of before and never done business with, had placed a blatantly inaccurate and unverified collection account on several of my credit reports for an account that does not belong to me. I immediately contacted the credit bureaus via certified mail and asked for the debt to be properly verified and to be provided a copy of the original written contract with my original signature on it. After an improper investigation, the credit bureaus validated the debt and Convergent Outsourcing sent me a copy of a XXXX bill from XXXX with my name on it. However, anything other than a copy of the original signed contract would be insufficient. A bill without a contract does not validate a debt according to the FCRA. The document they provided is NOT a contract and they did NOT provide me anything with my signature. I have never used XXXX and have been with XXXX for approximately the past 10 years. 

I wrote a second request to the credit bureaus for the original contract and was denied once again, still without a proper investigation. Convergent Outsourcing has demonstrated that they are unwilling and more importantly unable to provide the original contract with all terms and conditions neither with them or the original creditor because I have never had any type of business relationship with either. They are not able to provide a summary of account activities, history of payments made, history of any late payments charged to the account, dates of payments received, or even one single document with my original signature on it, nor do they even have anything with my digital signature. Convergent Outsourcing has had dozens of class-action lawsuits filed against them for multiple violations of the FCRA. They have a long history of doing this exact same thing to many other people.

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 2020-01-11
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was charged off. The date of last payment was XX/XX/2013. Balance keeps growing which is illegal if its charged off. Shows high balance of {$2000.00} but reporting balance of {$4600.00}. Also the loan type on credit report is incorrect. Showing secured when it was personal.

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 2020-06-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks TOYOTA MOTOR XXXX, XXXX, XXXX, XX/XX/XXXX - XXXX & XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-01-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed payments for XXXX and XXXX ; which I paid, but the amounts owed {$8000.00}. 
I have not idea how I owe {$8000.00} due to default ; when my mortgage payments {$2300.00}. 
I paid the {$4600.00} to catch up payment, but still would like further info on how they figured I owe {$8000.00}.

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 2020-01-12
Company: ERC
State: NY
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:
Opened up a credit site and noticed a fraudulent collection account and some fraudulent inquiries on all bureaus fraudulent accounts : ENHANCED RECOVERY COMPANY {$100000.00} XXXX XX/XX/XXXX ACCT # XXXX FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX SERVICES DATE XX/XX/XXXX ( XXXX ) 2. XXXX DATE : XX/XX/XXXX ( XXXX ) 3.XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) 4. XXXX DATE : XX/XX/XXXX ( XXXX ) 5. XXXX DATE : XX/XX/XXXX ( XXXX ) 6. XXXX DATE : XX/XX/XXXX ( XXXX ) 7. XXXX XXXX DATE : XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: CO
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 SUBMITTED THIS COMPLAINT A FEW TIMES AND EXPERIAN AND XXXX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS EXPERIAN THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM EXPERIAN AND XXXX XXXX SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.

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 2020-01-12
Company: Experian Information Solutions Inc.
State: TX
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:
These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws.

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 2016-07-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.

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 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, we sent in our normal payment. We were a bit tight, so our XXXX  was helping us out ; they provided a check for {$500.00}, while we paid the rest. We included our mortgage statement in with the payment, just as we had every single time we did this process. Truist " processed '' our payment on XX/XX/XXXX. Unlike every other time we've done this, they suddenly forgot how to process multiple checks. They applied our check towards principal only and sent the XXXX XXXX  check back to them. Due to the fact that it took some time for the XXXX  office to figure out what was going on, direct the check to the XXXX, and the XXXX  to jump through the hoops required, Truist marked our payment as over 30 days late, even though we had done everything right. 

Fast forward to today. We are down to 77.76 % XXXX, our missed payment is more than a year in the past, and they still will not drop our PMI due to that 30 day late payment which was their fault, not ours. We have requested it to be dropped twice since it has dropped below 80 %. The first time was in XXXX or XXXX of this year ; when on the phone with them, discussing why they rejected us, their customer service rep saw the " missed payment ''. When told about what had happened, she was able to follow the trail and confirm that it was their mistake, but that too much time had passed since it occurred and they were unable to do anything about it. The second time was just this month ( XX/XX/XXXX ) ; we just received the letter of denial in the mail. 

What are our options? We are below the government-mandated 78 % level for automatic PMI removal, but they're still throwing their mistake in our faces. We've paid over {$1200.00} in PMI that I don't feel that we should have been required to pay, as they were the ones that made the mistake processing our payment.

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