BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be

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 2019-06-12
Company: NORTHWEST BANCSHARES 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: Information belongs to someone else

Complaint:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2021-09-21
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is about the bill from XXXX XXXX XXXX. XXXX XXXX XXXX defaulted on our agreement. XXXX XXXX XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: NJ
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 noticed multiple inquiries and a account I do not recognize

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 2018-03-15
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.

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 2019-05-21
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is simple. Until XXXX of 2018 I have been paying an Extra XXXX per month on my mortgage toward principal. when I went to make my payment on line in XXXX of 2018 and XX/XX/XXXX the mortgage company has taken away the ability to make principal payments. So I did not make the payment. As they do not allow for you to make a principal only payment online. This is Wells Fargo. Also they stuck me with {$100.00} of late fees for one month of being late ( I made a the XXXX payment today ) thinking the principal payment section missing was a mistake. I believe that Wells Fargo is purposely trying to make it more difficult for its clients to pay of their mortgage in a timely manner.

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 2019-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, Portfolio Recovery Services stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. Portfolio Recovery Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions 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:
I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX is stating account type as factoring on Experian, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( Experian codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX  reflects no payment history *Midland reflects on Experian terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.

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 2019-05-21
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:
Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and 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 2019-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I couldnt get my account numbers on my credit reports, I need the account numbers for the inquiries because I need to get inquiries removed. I need my account numbers for all my inquiries in order for me to get them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: PA
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:
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & EQUIFAX credit reports. XXXX, XXXX XXXX & EQUIFAX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, XXXX XXXX & EQUIFAX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX EQUIFAX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle Mortgage Inc. aka XXXX XXXX XXXX   kept claiming that they never received my Loss Mitigation Package Application for Short Sale of property located XXXX XXXX MD XXXX. I have located proof of the faxed confirmation that they did received the paperwork, as it was sent to them multiple times by both realtors that assisted me. XXXX XXXX with XXXX XXXX XXXX, who was with a different realtor company at the time has proof of the paper work sent, and so does XXXX XXXX with XXXX XXXX XXXX XXXX who also submitted the completed Loss Mitigation Package multiple times on my behalf right before I went into the XXXXl for major XXXX and right after. I located the one of the fax confirmation, which proves that Dovenmuehle Mortgage Inc sat on the completed application package each time, and made false statements to you in prior reports. Dovenmuehle has cost me to rack up over {$1800.00} in condo fees due to starting premature foreclosure on the property in XXXX XXXX Maryland in XX/XX/2018, weeks after I was released from the hospital after having XXXX major XXXX. The move time that passes, the more debt has accrued on the property, only hurting me further. All of this was intentionally down by Dovenmuehle Mortgage Inc., and I am not their only victim. Dovenmuehle has a track record of false statements and deception. I have attached my fax confirmation of the very first completed Loss Mitigation paperwork sent over to Dovenmuehle, the two realtors I worked with has proof of the other multiple times the completed Loss Mitigation package was sent. Dovenmuehle kept asking for the same paperwork over and over again, and it was sent many times. Dovenmuehle unethical and untruthful practices has hurt many people, and they need to be held accountable. 
Please also see the others who have complaints concerning Dovenmuehle Mortgage Inc. 

https : XXXX XXXX  This company needs to be investigated and shut down and order to pay restitution to those they have hurt intentionally. There are other social media sources that such as XXXX and other with reports of Dovenmuehle Mortgage Inc. unethical practices. Dovenmuehle is running a scam and are untrustworthy. 


State of Maryland XXXX Of The Commissioner and Financial Regulation is investigating Dovenmuehle Mortgage Inc. for all their wrong doing also. You may  reached them at XXXX Multiple complaints regarding Dovenmuehle Mortgage Inc. has been reported for years to no avail. Something needs to be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX received email that I was past due. I had been attempting to enroll in an income based repayment plan, but they would not process my information. 
XX/XX/XXXX I attempted to enroll in the income based loan repayment plan and was put in forbearance instead. 

I also attempted to be put in an income repayment plan, but they put me in a 25 year plan instead. 

I called MANY times and submitted documents, but to no avail. They steered me into forbearance and it was n't until Navient took over my loans that I was able to get on an income based plan, for which I should have qualified for YEARS before. This has resulted in an increase in my total overall loans. 

I was not aware of anyone that could help me until now. This has caused me emotional and psychological distress, causing me anxiety and owing more money than would have otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ALLY FINANCIAL INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/19 via Certified Mail # XXXX XXXX XXXX XXXX XXXX Ally Financial received my letter informing them that I did not authorize a credit inquiry by their company and if I was wrong, to please send me proof of my authorization. 

On XX/XX/19 I received a letter from Ally Financial without proof of my authorization. I never authorized anyone associated with ALLY FINANCIAL, or XXXX XXXX XXXX, to make a credit inquiry or authorize a credit inquiry on my behalf. Ally Financial fails to provide proof that this inquiry was authorized by me in writing, bearing my signature. Anyone could have stolen my identity and attempted to purchase a vehicle. 

Therefore, without the requisite proof of authorization, Ally Financial must immediately delete this inquiry. Otherwise, civil action may ensue for violations of the Fair Credit Reporting Act, including but not limited to Section 609, Defamation, and Negligent Enablement of Identity Fraud.

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 2019-06-12
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charge # 1 On XX/XX/2019 I mistakenly authorized a transaction for {$1400.00} to a company called XXXX. 
Credit # 1 I notified CitiBank who then issued a security credit to my account on XX/XX/XXXX Charge # 2 On XX/XX/XXXX XXXX issued a credit to my account. 
But Citibank posted the credit from XXXX as another CHARGE Credit # 2 XX/XX/XXXX Citibank issued a conditional credit after I called to complain. 
Charge # 3 XX/XX/XXXX Citibank Reversed ( Charged ) {$1400.00} to my account again ( now the 3rd time ) and charged me {$72.00} as a transaction fee. 
XX/XX/XXXX charged interest of {$1000.00} even though I continued to pay my bill in full each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief