BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
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: Account status incorrect

Complaint:
I have contacted XXXX, XXXX and Experian to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over XXXX points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.

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 2018-06-12
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
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:
The item reported by Experian and XXXX  should have been deleted and XXXX sent Experian and XXXX  a letter that the account needs to be deleted. Experian and XXXX  has not deleted the account off my credit.

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 2021-07-20
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2019-09-16
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had canceled a previous insurance policy to get a new and updated policy. I was told that I would get a new policy with a new payment and that the old policy would be canceled along with the remaining balance. I received no phone call or letter informing me of the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
One month and a half ago I requested QWR from my mortgage servicer NewRez and  have only receive a letter ( 30 days later ) that they received my request. and this is it. 
I didn't get no single document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.

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 2020-05-18
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have contacted XXXX, transunion and XXXX to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.

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 2018-12-27
Company: ERC
State: TN
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:
This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The item reported by XXXX and TransUnion should have been deleted and XXXX sent XXXX and TransUnion a letter that the account needs to be deleted. XXXX and TransUnion has not deleted the account off my credit.

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 2018-06-20
Company: EQUIFAX, INC.
State: PA
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:
Multiple credit inquiries on my credit report that I didnt apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: AG AH LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I request your assistance to resolve a matter concerning an overpayment of our mortgage escrow account. There is a discrepancy between the mortgage loan amount that we have been paying to the actual amount being credited. As of today, neither the lender nor the loan service provider knows what happened to the $ XXXXmonth we have overpaid since XX/XX/XXXX. 

We noticed the discrepancy when we got a letter from XXXX XXXX  indicating that the it would no longer service the loan, which was held by ARC Home and to contact the new service provider XXXX XXXX. Exhibit 1 We contacted XXXX XXXX  to verify the change and were told the new payment was $ XX/XX/XXXXmonth. Exhibit 2 This came as a surprise since we have been paying XXXX XXXX  $ XX/XX/XXXX/month. Exhibit 3 We called XXXX XXXX  to discuss this matter, because XXXX XXXX  indicated that there was nothing they could do. XXXX XXXX  in turn told us to call ARC Home, because they were responsible for servicing the loan. 

We call ARC Home to inform them that their statement dated XX/XX/XXXX, which indicated Amount Due {$3000.00}, ( Exhibit 3 ) did not match the one shown in XXXX XXXX statement. Exhibit 4 Since XX/XX/XXXX, we have made numerous calls to ARC Home and got nothing but promises that the matter was under review. On XX/XX/XXXX, we were told by XXXX that he will discuss the matter with his supervisor and definitely would get back to us with a response. The case number he gave us is XXXX. 

We explained to XXXX that this money should have been going into our escrow account to cover XXXX property taxes due in XXXX. As of XX/XX/XXXX, there is an escrow balance of {$4200.00} when it should be {$8400.00} ( XXXX ). Exhibit 5 Today we called ARC Home again because we have not heard from XXXX, as he had promised. This time a XXXX told us that the matter was still under review and for us to wait a few more days for a response. We told her that ARC Home has had four weeks to resolve the matter, and meanwhile we have to come up with an additional {$4000.00} to pay for property taxes due at the end of XXXX. Therefore, we were going to report this matter to the Consumer Financial Protection Bureau and take legal action against ARC Home. 


Exhibits : 1. XXXX XXXX  Notice of Servicing Transfer 2. XXXX XXXX Next Payment Amount Due Statement 3. XXXX XXXX  Escrow Account Statement 4. ARC Home Mortgage Statement 5. ACR Home Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Thunderbird Collection Specialists, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XXXX which it isnt. These are from XXXX when I was a XXXX. They just recently maid something to my house about this debt as if the phone calls werent enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the fall of XXXX I had a tree fall on my home and Insurance covered a lot of the repairs but we did need to make some on our own and Chase gave us a deferment on the mortgage because of this. The deferment ended XX/XX/XXXX which is when COVID began and I started making phone calls asking for a loan modification which was denied but I was told if I brought my loan to being less than 90 days late I could get a COVID protection which I then struggled and made a lump sum payment on XX/XX/XXXX so that I could be approved for the COVID protection and defer my payments with a balloon payment at the end being one of the options I could choose. I was on COVID protection until XX/XX/XXXX. During which time I kept in touch with Chase and asked several times what would happen at the end of the COVID protection and if a balloon payment or extra payments added onto the end of my loan was still an option and I was told several times that was options. Now in XX/XX/XXXX I am being told by Chase that I am not approved for any type of balloon payment at the end of my mortgage or putting the payments on the back end of the mortgage because my loan was not current when I started the COVID Protection, the reason I was not current is I had a deterrent due to the tree falling on my home. I was not told that it was something I had to get approved for I was told it was something I could choose to do. I am now being told I dont have any options except to pay the 18 months of missed payments up front or in a 6 month payment plan or sell my home. I just want the missed payments during the COVID protection put at the end of my loan in either a lump sum or missed months added on in months at the end like I was told I would have the option to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Multiple credit inquiries on my credit report that I didnt apply for

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 2018-06-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Be advised, this is not a refusal to pay the alleged, rather it is a notice sent pursuant to the Federal Fair Debt Collection Practices Act ( i.e. 15 U.S.C. 1692 ( g ) 809 ( b ) ) and the Pennsylvania Fair Credit Extension and Uniformity Act ( i.e. 73 P.S. 2270.1, et seq. ) that your debt may be disputed and validation is demanded. Please validate the alleged debt within 30 days by providing the following information : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ;? A complete payment history on this account ;? A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ;? Copies of all invoices, bills, and notices concerning this alleged debt ;? A copy of the first written communication attempting to collect this debt ;? A copy of any judgment obtained with respect to the alleged debt ;? Proof that the statute of limitations has not already expired ;? Evidence that you are authorized and licensed to receive payment of this debt ;? Copies of all reports or notices provided to any credit bureaus ;? Identification of the original creditor ;? Identification of all successors in interest to the original creditor ;? If this debt has been purchased or assigned, a copy of all related agreements. 



The following constitutes illegal or wrongful debt collection under the FDCPA : Harassing or abusive phone calls, messages or letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: NE
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 have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and 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 2018-06-12
Company: EQUIFAX, INC.
State: NE
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 have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT EXIST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME.

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 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: KEYCORP
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: Account status incorrect

Complaint:
Key Bank reported my credit card as 30 days late in XX/XX/XXXX. I have NEVER been 30 days late. I have called Key Bank 3 separate times, and each time they investigated the account and agreed that the account was never 30 days late. They assured me that the late would be removed from all 3 credit bureaus. The last call was in XX/XX/XXXX and as of today, XX/XX/XXXX, it still has not been corrected. This has caused my credit score to drop. I am attaching my payment history for the past 12 months to show the on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions 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:
XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, NJ XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX  I tried to report this dispute online through experian but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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