BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sadly due to the downturn in the ecomony and loss of job we fell behind on our XXXX card. XXXX wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a bank in XXXX NY and made a deposit of {$820.00} on XX/XX/XXXX. When I inserted my card the machine refused it and again I tried. When I checked the balance online it showed a deposit of XXXX. I contacted the bank and advised of the situation, providing all of the info of time and place and was told that the bank would research and within XXXX  days deposit the missing balance. 

I contacted the bank on XX/XX/XXXX and was told there was no discrepancy. I was then told I needed to provide the receipt which I did not receive. 

Please assist that in correcting this deposit.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: VA
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 documentation toExperian which shows the XXXX accounts from last he XXXX XXXX XXXX  were paid. The XXXX XXXX XXXX confirmed they sold the accounts and they have no information to report but that the accounts were sold. I have submitted letters which show proof of payment on both accounts. Experian has not corrected my report they changed from reporting both accounts in bankruptcy to charged off and never late this is preventing me from obtaining a mortgage loan as I have submitted proof of payment to my lender as well as Experian but they are not correcting my report. I reviewed my Consumer Reports and noticed that I had two accounts with the The XXXX XXXX XXXX  and they both were sold and paid to different companies that bought the accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have paid both accounts which were sold to different agencies. I called The XXXX XXXX XXXX  and they said they could not correct the incorrect reporting as they dont own the account anymore. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2019-04-25
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
This account is still showing a balance of {$150.00} as I agreed to pay {$220.00} to resolve my account. This account should be closed as I paid it off a year ago.ytis is my second or third time contacting you since I paid this please update my credit report or I will file a suit against you for harrasment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
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: Investigation took more than 30 days

Complaint:
I have disputed several incorrect and incomplete items from my credit report to the credit bureaus and i have not received a response

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
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:
I have disputed the negative payment history of 2 accounts being reported by County of XXXX XXXX. I have supplied proof of on time payment history over the past several years. The information provided is directly from the County of XXXX XXXX and shows payments being made on time, bi-weekly, without ever missing a payment. My dispute was not handled correctly as the lates were " Verified '' despite the obvious proof of on time payments. This erroneous, inaccurate, account needs to be removed from my credit file. Continued reporting of this account demonstrates wilful non-compliance, defamation of character, and violations of several laws under the FCRA. 

I have included the original disputes and also proof of payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
That a fair investigation by XXXX would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX XXXX XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
This company is reporting an unverified late payment on my account.. Please be further advised, I dispute the validity of the late payment in its entirety. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at my credit report i don't know what it's regarding. I have never done business with this credit collection company. I have never signed any paper work or anything pertaining to this medical bill. The amount of the bill is {$700.00} the date is XXXX XXXX. What about Hippa Laws this is inappropriate. The name of the company is Midland Funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: SC
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:
Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and PENFED AND XXXX refused to removed account from my wife 's 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 2024-01-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have a XXXX year fix rate conventional loan that Freedom Mortgage took over in XX/XX/XXXX. Historically my mortgage payment may increase a small amount when the taxes and hazard insurance are paid at the end of the year and the new tax bill or Hazard insurance has increases. On XX/XX/XXXX I called Freedom to see why my payment increased and talked with a representative ( ID # XXXX ) that explained to me that I did not have enough money in my impound account so I would need to pay the shortage ( XXXX mon. ) in full in order for my payment not to increase. He proceeded to inform me if I did not pay it I would be sent to collections. I did pay the amount over the phone so that my monthly payment would not go up ( {$140.00} check # XXXX ). I added to the conversation I never asked to go paperless and would like paper statements. I just received my paper statement and now Im noticing Im being charged " Total fees & Charges '' when I called on XXXX and talked with another representative ( ID XXXX ) I was told that was for the escrow shortage and it will only be for a few months and it will drop off. I requested an escrow analysis and new statement to be e-mailed with the reflected " new '' monthly mortgage amount. No e-mail was sent as of today and I am not buying that the " Total fees & Charges '' are a reflecting of my escrow account. I noticed that when I called the automated line it gave me the amount of my next mortgage payment of XXXX due but when I asked the rep. ( XXXX ) on XXXX what my current payment due is she told me XXXX but my statement for XX/XX/XXXX states amt. due is XXXX I received XXXX different amounts due all in one evening! My main goal is to find out what the " Total fees & Charges '' are for and have this removed. I have been charged this fee starting XXXX at {$40.00} and XXXX it increase to XXXX each month thereafter/until present.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
I recently reviewed my XXXX profile and found a hard inquiry from a " non-account '' holding creditor named Credit Acceptance and XXXX XXXX XXXX on XX/XX/2018. 
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company. 
I wrote a letter to dispute the inquiry and requested proof from XXXX & Credit Acceptance of authorization by me or delete from my XXXX credit profile immediately! This hard inquiry is suppressing my credit score. 
I have attached images of the letter I sent XX/XX/2018

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 2020-12-22
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is not helping me. They keep on denying my application and advising me that there's no option for me even a repayment option. I want to save my house but my lender is not helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief