BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX {$730.00} XXXX XXXX {$710.00}

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 2019-11-13
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Harmon Law Offices was retained to manage the foreclosure process on my property located at XXXX XXXX XXXX, XXXX ma XXXX. XXXX XXXX XXXX was the bank who retained harmon law offices. I believe they did not handle the administrative filings appropriately, the missed a significant amount of taxes, and submitted redacted documents to the land court for matters in which XXXX XXXX was already found culpable. As a result of this I have been homeless for over 2 years now and suffered grave emotional distress. Harmon law offices will not speak to me or work with me to resolve the matter. XXXX XXXX sent me the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2019-03-15
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: Investigation took more than 30 days

Complaint:
I am disappointed to say that TransUnion has failed to respond to my recent dispute that was delivered on XX/XX/2019 via certified mail. it is now XX/XX/2019. I have disputed 3 accounts on my credit report and noticed that i have yet to receive the results or my updated credit report. I have went to the TransUnion dispute center on XX/XX/2019 at approximately XXXX on the website and noticed that nothing was there under my account/name. I have requested that i be informed how they have verified the disputed accounts and on both occasions ( 2 dispute letters, this company has failed ). Since these accounts have not been verified/validated within the 30 days allowed to postmark a response, I strongly request that the items be deleted. I have been denied credit line increases on multiple accounts. i have also been denied a home loan due to the negative accounts that have yet to be validated listed on my current credit report.

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 2020-07-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted Experian several times over the past two years to get an account that was fraudulently reported on my credit report removed but to no avail. The most recent complaints were filed on XX/XX/20, XX/XX/20 and XX/XX/20. The results from the investigation to the creditor simply say 'The company that reported the information has certified to Experian that the information is accurate '. 

I've asked several times for proof the account belonged to me but have received nothing. The credit is a collection agency who is very hostile when you contact over the phone directly and only wants payment and refuses to communicate. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL 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 2019-11-13
Company: Diversified Adjustment Service, Inc.
State: ID
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:
I was given the option twice by the XXXX to terminate my account due to the lack of service provided by them. I accepted but they continued to charge me and never terminated the contracts as specified and offered when I accepted the offer in 2018. They turned around and sold the account to a debt collections agency, I denied the account due to the agreement I had accepted with XXXX. Now the account has been bought by another debt collector whom has never offered to settle, negotiate or even submitted a request for information on the account. They have just reported the account on my credit and I have disputed it and it was immediately denied within 24 hours and deemed accurate even though XXXX has recorded conversations of the offer of termination of account without penalty and acceptance. DIVERSIFIED ADJUSTMENT continues to violate the FDCPA rules and regulations regarding validation and accuracy of debt. 
They are facing legal action by federal suit unless this is taken care of immediately and removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT 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 2021-10-07
Company: Experian Information Solutions Inc.
State: IL
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 requested a method of verification through experian because they would not allow me to submit another dispute claiming that they verified that the accounts I wanted to dispute have been verified! Instead of sending the method of verification they sent a broad statement and opened another dispute that resulted in the same finding, that the accounts have been verified. I contacted the reporting agency and they verified that that dont report any information to the credit bureaus or third party vendors!

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 2018-02-07
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received a credit card bill from XXXX  - XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with balance of XXXX due by XX/XX/XXXX. I paid the balance in full by the establish due date. In XX/XX/XXXX, I received another bill for {$32.00} for Interest charge on purchases. I contacted the company through their customer service department and was told it was just a mistake and would be corrected within 5-days. In XX/XX/XXXX, I received another bill indicating a previous balance of {$32.00} with additional fee charges of {$34.00} for a total of {$67.00}. Once again, I contacted the company through their customer service department and asked to speak with a supervisor. After being placed on hold for what seemed like 15 to 20 minutes, I was told the issued had been identified and would be corrected within 5-days.  XX/XX/XXXX, I received another bill with debits and credits totaling {$74.00}. once again, I contacted the company through their customer service department. I was informed the issued will continue to occur until someone on their end can get in front of it. ( whatever that means ). In the meantime, the company continues to report harmful negative and incorrect information to credit bureaus regarding my personal credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 a company called XXXX XXXX XXXX called my cell phone and my place of business notifying me that all entities associated with my social security number will be suspended. The recording also says that charges will be brought against me in the court of law in the XXXX XXXX county and in civil court. I called them back. I asked for a website. The representative said it was under construction. The case manager got on the phone and threatened me with a felony charge and intent to fraud a financial institution. She read me my full social security number, address, bank account information, and phone numbers. I did call the company check n go and verified the account. However, they did sell the account. I was able to contact the current collector XXXX XXXX XXXX and pay them in full. The amount that XXXX XXXX stated was XXXX when XXXX dollars was the amount owed. I am worried that this fraudulent company has all my personal information. I am very shaken by the threats of being served at my home and being charged with a felony through the district attorney office. I hope by launching a complaint that this company can be stopped from terrorizing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is THIRD complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the XX/XX/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. 

The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This card was part of a bk ( {$3800.00} XXXX XXXXXXXX XXXX XXXX  ) Gurstel Law Firm P.C. sends me to voice mails. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery.

- Request for Lien Removal Attached is a copy of the court doc removing our attorney THURSDAY, XX/XX/2020 XXXX XXXX  XXXX3rd Written Request - multiple calls no return>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX a negative mark was removed from my account. Now Im XXXX its reinserted back on my credit report for XXXX. I do not owe this debt and it was previously removed. Also it was sold to another collection agency. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Phoenix Financial Services LLC
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: Account information incorrect

Complaint:
I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.

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 2022-08-06
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: OK
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:
On XXXX XXXX  2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After opening an account at Capital One I requested equal access for my disability. I was told the disabled had to wait 20 days by XXXX, XXXX and XXXX managers at Capital One. All 3 persons hung up on me saying the bank would decide my disability and the bank would decide the accommodation under the ADA. They refused to take any information about my disability for an appropriate accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.

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