BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with the supervisor of public relation at Quicken Loans to resolve my refund issue. I was charged for an appraisal. the VA doesn't require an appraisal and when I spoke to the public relation they mention they aren't at liberty to disclose the VA doesn't require the appraisal. We as consumers are hoping the mortgage companies give accurate information to best work for the client. It was misleading to know that they added on the appraisal and I was under the knowledge that it was a requirement. I signed documents to say I understand but they mislead me to believe that this is also the requirement of the VA to offer an appraisal for a refinance on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 called the attorney XXXX XXXX XXXX XXXX from Utah, collecting for LVNV Funding LLCXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX portfolio services calls me repeatedly after I've asked them to stop. They call from various spoof numbers and call at all hours, including night hours. They either hang up or refuse to say who they are ( I only know because I call the number back sometimes. 

They have also called family members and I think they are the ones threatening to arrest me at work. 

Come get me I dare you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: LEXISNEXIS
State: CO
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:
XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified with all three credit bureau false information. ( that I completed a bankruptcy ). 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately to credit reporting agencies and I can tell you its not LexisNexis are reporting false information that is affecting my life and my credit. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally please provide a complete bankruptcy repayment plan issued by the court and provide discharge final decree or order closing your case.., please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature but you are sharing this information to the credit bureau. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I had a legally binding contractual obligation that I paid off the alleged bankruptcy. This is alleged to have been dismissed paid in full with a copy of the final decree signed by the judge and myself ending the bankruptcy. If you can not provide me this information that you claim is accurate, the removing this information now to stop the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting and must be removed immediately or I will report the to the XXXX  of this unfounded volaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ENCORE CAPITAL GROUP 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:
MIDLAND FUNDING LLC is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for MIDLAND FUNDING LLC to DELETE from my credit reports or i will sue both MIDLAND FUNDING LLC and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : 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 2020-07-16
Company: DIRECMANAGEMENT, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2018 the Collection Agency ( Direct Management ) began reporting inaccurate information and the address on the account do not belong to me. The amount listed on my credit report is {$2000.00}, however the collection agency sent a bill to me for {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We started receiving letters from DiTech Mortage Company, that they were filing Bankruptcy and would keep us abreast of what was going on. As it turns out, DiTech " WAS NOT '' granted the authority by a Judge to file Bankruptcy, and was forced to SELL their accounts to another Mortage Company named XXXX XXXX. 

I am a 100 % Unemployable XXXX Veteran. I have been in this status since XXXX, and have progressively gotten worse as far as my health goes. Because of that, DiTech ALWAYS HELPED US OUT WHEN WE HAD PROBLEMS WITH OUR MONTHLY PAYMENT. 

We have been in our home over 20 years this Past XXXX. Throughout that time we had problems on occassion with making our monthly payment. DiTech always helped us out, with allowing us to break up the payment into XXXX or XXXX payments so as to stay up with our BALANCE OWED. In XX/XX/XXXX, DiTech returned our XXXX Payment without reason or fore-warning. When we called them, they explained that because of reasons " undisclosable to us '' they were " LIQUIDATING '' all their accounts, and that they had a right to DEMAND THAT ALL THE PAYMENTS THEY ALLOWED US TO SKIP ( because they were going to the end of the note, ACCORDING TO THEM AT THE TIME ), HAVE TO " NOW '' BE CAUGHT UP!! So they are DEMANDING {$15000.00} or they will foreclose on us. And, as they said, SINCE I AM ON A STRICT BUDGET BECAUSE WE LIVE OFF MY XXXX, THEY ARE FORECLOSING ON US BECAUSE THEY ARE ALREADY AWARE THAT I DONT HAVE THAT KIND OF MONEY. 

When I asked to speak with their XXXX XXXX to 'BEG ' them for help, they refused me. They said they " WILL NOT '' ALLOW ME A LOAN MODIFICATION, REFINANCE OR " ANYTHING ''. ALL THEY WILL TELL ME IS THAT THEY " ARE '' GOING FORWARD WITH FORECLOSURE PROCEEDINGS. I RECEIVED A LETTER ( DATED XX/XX/XXXX ) ON XX/XX/XXXX ( DAY AFTER XXXX ) THAT I HAD TILL " THAT DAY '' ( XXXX XXXX ) FROM A LAW OFFICE ( XXXX XXXX ) THAT REPRESENTS THEM AND THEY JUST SAID I HAD TILL THAT DAY ( THE XXXX OF XXXX, ) TO COME UP WITH {$15000.00} or " THEY ARE FILING FOR FORECLOSURE '' on my HOME. 

FILING BANKRUPTCY ISNT AN OPTION ( NOR SHOULD IT BE ) BECAUSE IT'LL take most of my MONTHLY COMPENSATION. According to XXXX XXXX ( XXXX XXXX ) here in XXXX XXXX Texas. 

I receive {$3200.00} and he said I would end up paying about {$3000.00} monthly if I filed Bankruptcy. MY Payoff is {$50000.00}. The House and XXXX acre it sits on is appraised at {$160000.00}. I'll lose everything I have if they are allowed to get away with this. 

PLEASE! PLEASE! I AM BEGGING OF YOU. PLEASE HELP ME!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

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 2018-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am complaining about inaccurate information reporting on Experian and XXXX.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the XXXX and experian reports updated within the last two weeks are completely incongruous with each other.XXXX  HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.EXPERIAN shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.XXXX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.XXXX shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately

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 2020-07-16
Company: Experian Information Solutions Inc.
State: NY
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 dont understand why Experian is asking me for the same documents that i already sent to them. Please see attached documentation to Experian for the SECOND time, for my complaint due to identity theft

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 2018-09-20
Company: EQUIFAX, INC.
State: VA
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:
Equifax is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to EQUIFAX, they claim they can not ADD this account unless XXXX XXXX  reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone logged into my Bank of America account and transferred funds via XXXX to two separate individuals. 

One amount was XXXX it occurred on XX/XX/XXXX The other another was {$1200.00} occurred on XX/XX/XXXX I have contacted Bank of America and explained I didnt authorize these funds. They said there is nothing they can do. 

I was also sent a check for work performed. The check cleared ( bank if America cleared it ). The amount of the check was {$6300.00}. Two days later it shows the funds as NSF and they charged me a fee and told me that because deposited the check it isnt fraud. How was i to know the check would bounce. Especially if I was saw that it was cleared. They are saying its not fraud and theres nothing they can do. 

I have filed a police report and an fbi report as well.

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
Consumer complaint received 2017-08-11
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on a weekly base on XXXX XXXX and it ask me to confirm my new account. I have n't applied for new credit or anything so I log on and it stated it was a new medical collection account that was reported on XXXX XXXX, 2017 by Bay Area CS for the amount of {$760.00}. I contacted my heath insurance ask them if all my claims were paid they stated yes and I had them verify my coverage and they did they pay 100 % I just have to cover the co payment which is {$20.00} for an DR. office {$100.00} for Hospital. So I find this odd that this company is reporting I owe {$760.00}. I never revived any paperwork on this no proof its my debt and my heath insurance said they already covered all my claims so there is nothing owed and if there is something owed it will either be {$20.00} or {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: I.C. System, Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped 30 something points because of this. then dropped an addition 21 points and XXXX can't explain what happen.

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 2020-05-22
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from ALLY Bank saying that XXXX XXXX XXXX reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from equifax on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 2020-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was Not made aware this was on line banking only when I opened and that I would have No Access to this Account Due to my XXXX XXXX I have had a XXXX income for 15 years USAA is responsible to Notify me I will have No Access to Monitor and Manage my Account. to remain safe. and protected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second agency trying to collect on the same debt that has been submitted to FTC months ago. I called XXXX  about the account in XX/XX/2017 to be closed which it was continued to be billed until XX/XX/2017. I contact the original creditor which states they could not zero the balance because it was sold to collection agency.

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 2020-09-06
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:
I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.

Company response to consumer: Closed with explanation