BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/19 I started paying to Dynamic Recovery Solutions my debt with XXXX XXXX. They offered me a settlement to pay 4 statements of {$100.00} dollars. I was told that after finishing the 4 payments my debt would be considered payed in full and removed from collections. 
I finished paying the 4th and last statement on XX/XX/XXXX and the debt still shows on collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent Equifax a letter on XX/XX/XXXX that they received XX/XX/XXXX. I asked them to verify some accounts or remove them immediately. In this letter I sent them a photo copy of my driver license, social security card and a copy of my XXXX ( utility bill ). They responded with a letter on XX/XX/XXXX saying they couldn't locate a credit file in their database with the identification information I provided. They asked that I send them a copy of my driver license and social security card, which was in the letter. I'm totally confused to if they even read the letter. They had 30 days the verify the inaccuracies or remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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: Account information incorrect

Complaint:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I visited XXXX XXXX in XXXX, NY to look at a new truck. We discussed a truck, they took some information and went to run numbers. As we were filling out information prior to running numbers. I said to the salesman, very clearly, do not run my credit. I have an XXXX credit score and am very particular about it. I stressed how important it is, he acknowledged and understood. They disappear to run their numbers per usual, come back to share them. We were obviously not looking at the right truck. As I get up to leave because I had a two hour drive home to take care of my dog, the sales manager states to me " your payoff was a little higher than you thought ''. Which technically, it wasn't, but TransUnion hadn't updated yet. To which my response is " you ran my credit?? ". At this point I was extremely upset and frustrated. I asked for full disclosure pricing on a 72 month term, they came back with all different terms, add-ons including warranty, rust proofing, etc. and completely ignored my request to not run my credit. Now I have an unjustified hard inquiry on my credit that will remain for 2 years for no reason.

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 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections..How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 
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 2020-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
The information is not 100 % accurate contains wrong balances and amount owed originally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/XXXX I received 20 notifications from my Equifax membership I pay for monthly. I then received many notifications from another credit monitoring system XXXX. These notifications were in regards to all of my XXXX accounts. Every single one of them. It stated Comments on your account changed from Charge, Amount in XXXX column is credit limit to Consumer disputes - reinvestigation in process This is what was written on ALL of my XXXX accounts. I called and spoke to an Equifax representative who said she did not see any open disputes from me, because I have never disputed any of my XXXX accounts. Theyre all current and in good standings - so I have absolutely no reason to dispute them. She assured me she would fix this and said it was an error on their end. After I spoke to the representative, I received email notifications from XXXX XXXX  stating all of my accounts from equifax have been removed! Over 20 accounts were removed! I immediately called XXXX to make sure all my accounts were fine. They had put a fraud block on all of my accounts because they said Equifax contacted them stating I reported fraud on all my accounts. I never ever reported fraud on these accounts! There was no disputes the Equifax rep could even find showing this. Luckily, XXXX was able to lift my block on all my accounts. Today, XX/XX/XXXX, I went onto my Equifax membership and got a new report and all of my accounts from XXXX are removed. My score has dropped tremendously. I am so upset regarding this!! My score dropped many points due to this ridiculous error on XXXX part. I have worked extremely hard on my credit and for them to completely ruin it by removing over 20 accounts, falsely reporting to the creditors claiming I said it was fraud, all of this is in violation. On top of this all, the continue to ignore my inquiries removal requests for the legitimate fraudulent inquiries. I want this fixed! I want my credit report fixed. You literally destroyed my entire Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: TN
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 A VICTIM OF THE 2017 EQUIFAX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 A VICTIM OF THE 2017 XXXX DATA BREACH. MY PERSONAL AND BANKING INFORMATION WAS COMPROMISED AND I TOOK IMMEDIATE STEPS IN AN ATTEMPT TO RECTIFY THIS SITUATION WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL. I HAVE PROVIDED YOU WITH A COPY OF MY ID/DL, SS CARD, FTC REPORT, AND POLICE REPORT TO ASSIST YOU IN THIS MATTER.

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 2019-07-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. Company kept sending me invoices that show no signature or agreeing to the contract. The claims they were uncertain of what I was specifically disputing. The letter clearly stated provide ANY documentation required under section 609 and section 611 showing my signature agreeing to the service. If they can not not provide the information or verified the account has to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: D2 Management LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
TODAY ON MY LUNCH BREAK AROUND XXXX XXXX ARIZONA TIME I CALLED BACK A MISSED CALL TO XXXX A REP ANSWERED TOLD ME THE CALL MAY BE  MONITORED I SAID OKAY THIS IS ME WITH THAT LAST FOUR, SHE SAID SHE WAS CALLING FROM D2 MANAGEMENT LLC REGARDING A BILL FROM XXXX I BELIEVE I TOLD HER GOSH I HADN'T HEARD ANYTHING ABOUT THAT IN A VERY LONG TIME THAT WASN'T MINE AND INSTEAD OF ASKING FOR A POLICE REPORT NUMBER OR IF I HAD REPORTED SHE SAID, " THIS WOULDN'T BE HAPPENING IF I PAID MY BILLS '', I THEN ASKED HER FOR A SUPRVISOR, THIS WOMAN PLACED ME ON A 6 MINUTES HOLD TRANSFERED TO ANOTHER BUILDING, I GUESS THEY 2 BUILDINGS FOR THIS COMPANY AND THE REP I WAS TALKING TO DIDNT EVEN WORK IN THIS ONE. I GOT THE GENERAL MANAGER WHO COULD ONLY TELL ME THAT THE REP WAS XXXX. WELL, HOW DISGUSTING TO TALK TO ANYONE THAT WAY, YOU MAKE IT HARDER FOR PEOPLE TO PICK UP THE PHONE MUCH LESS SOMEONE THAT WAS WILLING TO TALK, THE CONVERSATION NEVER HAD TO GO THAT WAY. I HAVE THIS CALL ON RECORDING AS MY BOSS WAS RIGHT NEXT TO ME IN THE VEHICLE TODAY GOING TO LUNCH, HOW DISAPPOINTING. I HOPE NO ONE EVER GETS A CALL FROM THIS COLLECTOR AGAIN. IT SHOULD BE HABIT TO COLLECTION REP NOT TO ARGUE OR TALK DOWN TO ANOTHER PERSON AND TELL THEM TO PAY THERE BILLS NO MATTER WHO I AM ON THE OTHER LINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company is trying to collect a debt from 2010. They call at XXXX XXXX and several times during the week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rent Recovery Solutions is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Rent Recovery Solutions. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed contracts, applications or signatures that I agreed to pay them any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
I sent a letter to OCWEN Loan Servicing, LLC regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a transfer to my Wells fargo from XXXX for the amount of {$490.00} on XX/XX/19 but the bank said there were no transfer received. 
I called XXXX and had them have a trace that saying the transfer was completed but Wells Fargo did not acknowledge the trace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon receiving a letting in the mail. That they had purchased a debt that had already been removed by the FTC regulartor, I immediately called the company to let them know the debt was not valid. They provided no help or resolution to removing the item from my credit file. I came to consumerfinance.gov to get the information to them in writting. I forwarded to them the information proving that the item had been removed, and that they should cease all attempts to collect this debt including reporting to the credit companies. I received this response from the company '' Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by customer. We understand that Mr . Customer is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion Mr . Customer would like ( email, fax, etc ). 


If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 

I removed my name from the above response. 

This debt appears on my XXXX credit file. Accelerated never sent me any information, as they said they would. And are now reporting to my credit file. This is contrary to what they said they were going to do. 

The original debt had already been removed from my credit file. They purchased the debt after the original debt had been found to be not valid. This is in clear violation of my rights. This item must be removed. From all credit files. 

I did everything I am supposed to do to protect myself, but accelerated violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft report # 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 2019-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has threatened me, attempted to contact my family, to harm my family, to arrest me, that they were of a government agency, that they were of a law firm, They called saying they were an officer that would be at my house that afternoon, they they would increase my debt by 10 fold it not paid, literally everything and I cant get any information from them and they wont stop. I dont know who they are or why theyre reporting but Im threatened and afriad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I noticed that I was being charged a monthly service fee. Therefore, I reached out to XXXX in the Escalations department and he told me that he would reimburse the two monthly fees in the amount of {$24.00}. However, I followed up later regarding why the fees has not been reimbursed as promised. Unfortunately, the process was not completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: Dovenmuehle Mortgage, Inc.
State: IN
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:
DOVENMUEHLE MORTGAGE SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.

Company response to consumer: Closed with explanation