BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2020, Helvey & Associates, Inc at XXXX XXXX XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of {$280.00}. 

The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Trans-union failed to delete a delinquent account that had been resolved with the CFPB. 
XXXX XXXX  informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to Trans-union.

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 2021-05-07
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had two medical bills, first time in 2016 i didn't have health insurance but i had mentioned that and some social worker came and told me that you don't worry, you will have to pay not a single dime and they coming after me, i had called the hospital several time and i talked to collection agency 4-5 times and they said i have to contact hospital in order to remove from my credit history now this is not right because i was told by social worker name XXXX or XXXX something and still the collection agency, name XXXX i believe says they can't remove this thing fron my credit record their name is Phoenix Financial Phone Number is ( XXXX ) XXXX they have told me that they can't contact hospital when i asked them to provide me the date of service, they said i have to contact hospital but anyway i was told by social worker that i won't have to pay any thing other wise i would have not gone to that hospital. And this is in 2016 and after all this years it didn't go to collection, i had called hospital several times like 2 years ago and they didn't tell me any thing.i had explained them about social worker too every time i called them. The amount they ( collection Agency ) billing me is {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid Caliber Home Loans {$100.00} for a Broker Price Opinion ( BPO ) to see if I was eligible for PMI removal from my mortgage. On Thursday XX/XX/XXXX a broker came to my house to inspect the property to complete the price opinion I ordered. When I requested a copy of the documents completed by the broker a different broker who had not been the one to inspect the property had certified that they had personally inspected the property on XX/XX/XXXX. 

XX/XX/XXXX : I made a written complaint to Caliber Home Loans on XX/XX/XXXX regarding the accuracy of the BPO as well as my concern that the BPO was completed by a broker who had not actually inspected the property and certified that they had. They also listed the wrong date of the inspection further proving the inaccuracy of the document.

XX/XX/XXXX : I called Caliber Home Loans to follow up on my written complaint. They said that my complaint was not complete because I did not provide receipts and photos of improvements to the property and that I had not provided three comparable properties to dispute the outcome of the BPO. I contended that I did not need to because the document I was contesting was falsified. Caliber Home Loans said they would call me back the next day at XXXX PST. 

XX/XX/XXXX: After waiting 2.5 hours after the appointed time for the call from Caliber I called them. They said that the issue was closed because I did not provide the receipts, photos and list of comparable properties despite my protest that the document in question was falsified and that should be enough to merit repeating the BPO.

My complaint is that Caliber Home Loans is using a falsified document to refuse to remove my PMI requirement for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be.I have not been able to get help from them for over 6 months but I just remembered I could file a report on here as I feel they are not doing there job properly and its effecting me a great deal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
According to FCRA, Im unable to get my credit report due to a failed website and information that is either mixed or fraudulent. I can not access my personal information for being locked out of Trans Unions online website. Once I login to XXXX XXXX which I dont know who this company is, it does not sat Trans Union but redirects me to this site. Once account is setup accessed and then logged off, it locks you out. There must be some fraudulent activity associated with 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 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 and 60 days late in XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: SHM Holdings, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I applied for a mortgage to refinance my existing mortgage with Strong Home Mortgage in early XXXX of 2021. That mortgage closed on XX/XX/XXXX with final documents delivered on XX/XX/XXXX and other previous dates. The clear understanding was there would be no escrow payments for taxes or insurance and I would paly those costs directly, as I have done for the past 10-2o years. Strong then sold that mortgage in XXXX to XXXX XXXX  XXXX. That reselling came as no surprise as Strong made it clear they would resell the mortgage. However, XXXX advises that I owe escrow payments and I have made it clear to XXXX that was not the " deal '' with Strong. I notified XXXX and Strong if the issue and the problem has not been resolved. In fact, XXXX just advised me today that I must make escrow payments including an immediate payment for taxes. I clearly feel this is an illegal modification of the agreement with Strong. I have attached various documents including : emails from Strong verifying that no escrow payments were to be collected ; recent emails with Strong and XXXX ; Closing Documents clearly showing that I am responsible for making all tax and insurance payments and that no escrow is owed to or to be collected by XXXX. I have told XXXX I will continue to make principal and interest payments as I did on the first mortgage payment on XX/XX/XXXX and will rely on cfpb to resolve the issue. Thank you Please see related complaint XXXX-XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I had a Wells Fargo Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that XXXX is still reporting my account as derogatory when it is paid in full.

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 2018-06-21
Company: AMERICAN EXPRESS COMPANY
State: NV
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 having a serious problem with American Express every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent  Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. Amex is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with Amex debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by American Express to purposefully assassinate character through negative reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2017, all bureaus to include XXXX, XXXX, Transunion as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.

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 2021-07-18
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:
Since XX/XX/2017, all bureaus to include XXXX, Equifax, XXXX  as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were paying off the mortgage on our house. The payoff amount was to arrive at the lender, PHH Mortgage, on XX/XX/19. That is the same day that PHH would debit {$1100.00} for the XXXX payment from my checking account. On XX/XX/2019 I called PHH and informed them the loan will be paid on XX/XX/XXXX and asked that they not take the XXXX payment from my account. The PHH rep said no problem PHH would stop the withdrawal and in fact PHH did not take any money on XX/XX/XXXX. Now today, XX/XX/2019 they took the XXXX payment, {$1100.00}, from my account.. 

I called PHH and asked if the entire loan had been paid off on XX/XX/XXXX and it was confirmed that it had. I asked if PHH has the record of my request on XX/XX/XXXX to stop the XXXX payment and was told yes. So I asked why then did PHH take {$1100.00} from my account on XX/XX/XXXX. I was told, by a rude representative, that it takes 30 days to make a change to how payments are made. I said that makes no sense because you already stopped the XX/XX/XXXX payment and then arbitrarily and without authorization took money three days later. This really is outrageous. Now I have to wait " up to '' 25 business days to get MY money that PHH illegally took on 100 % paid off loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: U.S. BANCORP
State: CA
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:
To summarize : On XX/XX/XXXX, a US Bank loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to US bank to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by US bank is significantly lower than XXXX, so we decided to go ahead with US bank instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is US Bank 's internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with US bank. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!

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 2021-07-18
Company: Nelnet, Inc.
State: NC
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:
When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. 
XXXX  website issues preventing convenient access to dispute status.

Company response to consumer: Closed with explanation