BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CAPITAL ACCOUNTS is in violation of the FCRA. Collection agency is reporting old debt as new. Reaging the debt and negatively impacting my credit score. They are in Violation of the FCRA has occurred as this debt is seven years from the time of my first delinquent payment was originally due on the account to the original creditor. Additionally, they have failed to contact me regarding this debit so that I may validate on my own. 

Account Info Account number XXXX Collection opened XX/XX/2017 Account type Collection Department / Agency / Attorney Their contact information is : XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for XXXX XXXX XXXX XXXX XXXXXX/XX/2022 after falling XXXX XXXX behind after our XXXX forbearance ended. Was informed by the servicer, Dovenmuehle Mortgage Inc ( XXXX ), that some documents were missing ( documents that the application clearly stated were not required for the hardship reasons we selected ) or incomplete ( which were actually clearly marked and answered ). We promptly faxed those and were told everything was complete and would be reviewed within the XXXX XXXX legally required. It has been almost XXXX XXXX and we are still being told the application is under review. We have called numerous times and asked to speak with the single point of contact required to be available to us. We have never been able to speak with this person. All of the communication regarding this situation has been initiated by us. DMI has never called, emailed, or mailed us any communications regarding this. 
We were also informed by XXXX of the various representatives that weve spoken to since we can not reach the single point of contact, that we could not continue to make payments while under review. This contradicts the information provided in the loss mitigation application and has resulted in our past due balance continuing to grow. 
They have failed to review the application within XXXX XXXX, have lost documents, and failed to provide us with a single point of contact that we can actually reach. These acts clearly go against the XXXX  servicing requirements as well as violates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 filed a FTC identification theft and KY state police report. 
Also a workers comp injury at XXXX XXXX has left me broke. Started w a chapter XXXX as I made about {$1200.00} a week to XXXX as XXXX XXXX Refused ... not realizing it was chronic and deathly, after 6 mths I had to file chapter XXXX. 
XXXX framed me for theft and I caught them and got clear, the identity theft dropped my score 200 points. I had XXXX But XXXX either left portal open .. or XXXX XXXX , of XXXX XXXX sent in an attachment on my software update. I have tried, maimed in filed on line 1 ) XXXX XXXX goes to court in XXXX, XXXX They offered , but again This is likely death. 
2 ) XXXX has bullied me and .... cost me a lot of $ I feel they are part of the id theft which stole XXXX XXXX ) XXXX and XXXX recovered 4 ) I go XX/XX/XXXX for my SS XXXX 5 ) my credit is good but I cant get a loan to survive .. Fcc has 15 complaints on XXXX  w evidence. 
6 ) why wont TRANSUNION fixing this? Us XXXX  paying them to? Wheres consumers right 1-3 has corrected 7 ) fix now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mohela sent me a forgiveness letter XX/XX/2023. XXXX stating the furnisher provided them information on two disputes that my balance is not XXXX. XXXX refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. Mohela could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my Mohela account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Pay pal kept my money of {$4200.00} they have limitations on it that were supposed to be lifted after 180 of investigation for fraudulent charges or charge backs. I am my husbands representative payee and he filed for unemployment and had his checks deposited in my account bc he was /is having problems with his account. We are legally married and my husband provided the pay pal with a notarized letter stating he had his checks deposited into my account and he made me his representative payee. The department of labor was depositing his checks into my account and his childs mother and boyfriend called the department of labor and changed where his checks were being deposited and they recommended filing fraud complaint with the fraud department in the department of labor so he did now pay pal has had over 180 days on XX/XX/2021 tbe 180 days were up and they still wont release his funds. Please help us receive our funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX XXXXXXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 XXXX XXXXXXXX gave me a letter stating they would remove unauthorized inquiry. They have not removed it. Experian has not removed it. It needs to be removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC Bank XXXX Wi XXXX XXXX XXXX employee of PNC Told me my mother set up an account that she wanted me to have after she passed away XX/XX/2012. 

XXXX formed me person to person that the money was not in the account anymore. 

I didnt know about the account my oldest sister XXXX XXXX XXXX did and possibly my oldest brother XXXX XXXX XXXX who were to over see the final requests of my mothers after she died. 

To this date I cant get it rectified with my siblings or PNC bank XXXX I no my sister was aware of the account she got angry with me when I questioned her after speaking with XXXX XXXX then. 

Where did the funds go! I was speaking with XXXX about car loan information that day and she informed me that the account was set up and I believe she knew the amount but said it was empty then. 

Then didnt say anything I immediately called my sister in Arizona to speak about it and XXXX XXXX XXXX XXXX XXXX XXXX  for finding out the information on that account telling me I wasnt to have learned of the fact. 




XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions 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:
Experian refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Experian has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs.It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed Experian Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the Court 's letter is attached showing they will never disclose this information to credit reporting agencies.

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 2018-12-09
Company: Aqua Finance, Inc.
State: NM
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:
The company Aqua Finance is committing fraud. I had an account with this company over 8 years ago. They installed a water softener in a residence that I lived at. payments to this company were made for three years. due to an extreme hardship loss of work I lost this residence to the bank to include items in the residence. Aqua finance was listed in the court documents given a time limit and was notified to pick up there property. 

I am currently trying to clean up my credit and found out that Aqua Finance is deliberately and intentionally committing fraud. 
what they are doing exactly is manipulating the credit reporting system by claiming my account has changed or shown activity when it has not for over seven years. For example I was recently informed by XXXX that my account with aqua finance changed from a collection status to 120 days late which is fraud. no type of payment arraignments or status has ever changed on this account since 2005.This happens every month which will not allow the account to ever show inactive. what this does is never allow the debt to age properly allowing the consumer to remove the debt., all three bureaus will have proof of this fraud am sure I am not the only one this is happening too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I regularly keep up to date with my credit report and using the XXXX XXXX app it pulls in my credit report from TRANSUNION and XXXX. 

My XXXX credit report is correct, it only displays my name and accounts associated with me. 

My Transunion account is the one I am filing a compliant about, This account is not only associated with me, but has another name XXXX XXXX on it, along phone numbers, addresses, and numerous accounts/loans that are associated with this person, I have no knowledge who this person is, have never lived at these addresses or taken out these accounts. 

On XX/XX/XXXX I called Transunion to file a formal dispute to get XXXX XXXX 's name, address, and various accounts OFF of my credit report. 60 days letter I received a letter in the mail that removed a few of her accounts, but did not completely remove her name or all of her accounts. In XX/XX/XXXX, I noticed my account was used by her again to open an auto loan with XXXX XXXX, a high interest loan for $ XXXX that is hurting my credit score. 

Today, XX/XX/XXXX I filed another formal dispute with Transunion in an attempt to remove all mentions and associations of XXXX XXXX off of my credit report, but since they did not correct this in XXXX I wanted to file a formal complaint with the Bureau as I am unsure what else I can do. 

Again, I would like to state that the XXXX credit report is 100 % accurate so it is increasingly frustrating why I am having issues with my Transunion report. I am just asking for my Transunion report to 100 % reflect my credit report, not XXXX XXXX 's.

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 2021-08-31
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 my home owners was up for renew, so on XX/XX/2021 I changed from XXXX with XXXX XXXX to XXXX  for XXXX because XXXX XXXX was going to XXXX which was to high. Five months later upon receiving my escrow analysis I found out that XXXX XXXX had not been cancelled and that I carrying XXXX XXXX and XXXX XXXX co I immediately called and cancelled XXXX XXXXthey returned the XXXX to and I sent the money back to shell point mortgage to be applied to escrow only in receiving that escrow statement shellpoint mortgage took me from XXXX a month, with XXXX going to escrow for my insurance to XXXX and some change. In eighteen years I, ve never seen my mortgage go so extremely HIGH.I have a fixed rate FHA mortgage.I believe this is illegal and I would like to have this looked into.In the beginning of my statement I ment to say my insurance was up for renewal. Shellpoint also stated that they were charging me for next years insurance because it was going to go up.Next year has yet to come.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: I.C. System, Inc.
State: DE
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/2021 I C System INC " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C System INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.

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 2020-02-20
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 i recieved an email from XXXX on behalf on LVNV funding threatening me that if i did not contact them regarding the debt, that LVNV will use an attorney to take me to court for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Several inquiries on my credit bureaus Not made by myself

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: GA
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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-05-26
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
You have answered the complaints but you have not answered any of my e-mail. you say this can be done amicable but you have not answered any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation