BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

Hunter Warfield Amount : {$6700.00} Original Creditor : XXXX XXXX at XXXX XXXX The account was dispute directly with the collection agency. It has been 120 days with no validation of debt. Original request for validation was sent on XX/XX/2018. This account has also been DISMISSED in court. All pending charges have been dismissed. Please see attached documentation provided by XXXX County Court House. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE the above account as quickly as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. 

On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. 


Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.

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 2018-11-04
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE  CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY XXXX XXXX AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN : XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX  XXXX, XXXX XXXX CARD THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.

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 2017-07-06
Company: Diversified Consultants, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed several complaints against Diversified Due to them ignoring my requests of validation to this alleged account they are reporting on my credit report and keep saying to contact XXXX when they are reporting on my credit report with no documents but an itemized bill which is hearsay no signature of any kind to back up their claim so I have send them letters also certified keeping track of every letter and correspondence the letter tracking number XXXX I have send them requesting proper validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspondence local state laws. I have requested " validation '' that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay but they still have refused to and all they send is an itemized bill which is not proper validation. Instead they keep ignoring my request and refuse to properly validate. An itemized bill is hearsay. Please note that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I transferred a balance from an account I had with another Bank in the amount of {$1500.00} to Sears Credit. I was taking advantage of Sear 's promotional 0.00 % Promotional APR on balance transfer until XX/XX/2019. This month I received a bill stating that the monthly minimum payment is {$27.00}. I immediately called Sears numerous times disputing the {$27.00} monthly payment. I told the Sears staff that I had been doing transfer balances on other banks and never been charged a monthly minimum payment on a 0.00 % APR promo. They insisted the minimum monthly amount of {$27.00} is correct.

I feel that this is a deceptive way of getting customers to sign up for balance transfers. I would not have signed up for their balance transfers if I had known of this deception. 
Would you kindly look into this? Thank you. 
Sincerely, 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 2018-09-16
Company: AES/PHEAA
State: SC
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 received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
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 have submitted theses damages to the credit bureaus i am in the process of purchasing a home and i submitted the information to the credit because and they have not provided the proper results and removing the fraudulent and negative information that does not belong to me and according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and correct and update information and if this is not the case then all negative and incorrect information must be removed

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 2018-11-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX and I initiated an international money transfer through Paypal on XX/XX/XXXX with transaction ID XXXX. 

I requested to pay XXXX {$2000.00} to my recipient in XXXX through my XXXX XXXX credit card. I checked to make sure that the " they receive '' amount is XXXX {$2000.00}, and I checked with XXXX XXXX XXXX to make sure the exact equivalent USD amount I was going to be charged. XXXX told me the currency conversion will be done through them, not Paypal, and that I shall NOT see any FX transaction fee. I then initiated the transfer, before which I MADE SURE THAT NO ADDITIONAL CHARGE ( EITHER MY OR RECIPIENT 'S SIDE ) WAS REVEALED TO ME. 

However after my recipient received the payment, she was charged XXXX {$74.00} fee which was totally unexpected. I checked my XXXX account and made sure that the actual amount that I was charged matched the amount that I was told by XXXX earlier. I then called Paypal to check what's going on and their agent told me 2 things : 1. It's an international transfer so they charged the current conversion fee. I denied that immediately saying that I paid with XXXX XXXX so I was actually charged XXXX {$2000.00} with my card and the FX conversion was later done by XXXX, NOT Paypal. They had no right to charged the so-called " current conversion fee ''. 

2. After the first point, the agent came up with some other theory saying that it's an international transfer so someone has to pay for the fee. I told her that I was neither informed of any existence of any hidden fees nor was I presented with any fee schedule, on my Paypal transfer page. The only thing that I saw was an unexpected charge, and I don't think this conforms to CFPB rules. The agent refused to honor or comment on any of the points that I mentioned, but just kept saying someone will have to pay and then cut me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was purchasing some concert tickets through XXXX  and the seller asked to use XXXX to transfer {$100.00} for 2 tickets in which he would then email me the tickets. I figured that XXXX had the same protections as XXXX services. I transferred the {$100.00} and the individual never emailed the tickets or responded to text messages. I contacted Wells Fargo within 45 minutes of the transaction and they informed me they couldn't stop the transaction so I am now out {$100.00} and not attending the show.

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 2018-11-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances

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 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 all started when I complained to cfpb last month about XXXX XXXX XXXX and the account that they are falsely reporting on my credit file. I pointed out that they claim they got the account from XXXX XXXX, then they claim it almost 6 months later and reage it, as soon as I complained my credit score with TransUnion drop like 70 points in like 2days for no reason. Is that supposed to be a punishment for complaining? I want justice for these guys just doing what they want with ones 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 2018-09-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX entered into an agreement with XXXX XXXX XXXX and XXXX XXXX XXXX involving student loan debt and forgiveness. The contact person with this agreement was XXXX XXXX/Enrollment Advisor, Ph XXXX, Fax # XXXX, address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have been unable to contact neither XXXX XXXX or XXXX XXXX XXXX over the past few weeks. I was notified by Navient, Department of Education Loan Servicing ( current holder of the loan ) that my loan was severely delinquent and that now the balance on my loan is in excess of {$4100.00} when the principal on my original loan back in XX/XX/XXXXwas less than {$20000.00}. Because I was pursuing further education I was under the assumption ( after speaking with XXXX XXXX XXXX and XXXX XXXX ) that there would be deferrment or forbearance of my loans as long as I was furthering my education. I do not dispute that fact that I need to repay my original loan amount. I just believe that I was severely mislead by this man and this fraudulent company regarding the repayment of my original loan. Also my credit has taken a huge hit since this has happened and I would like to set thing straight and get on with my life. This situation has devastated me and is hard to explain the impact that it has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a  statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( XXXX, Experian and XXXX  are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that XXXX, Experian and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

THIS INFORMATION WAS REVISED XX/XX/2018 XX/XX/2018

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 2018-09-16
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BBVA Compass the misused of my XXXX credit file. 

I had filed disputes on the account several times with XXXX  and the other two credit bureaus. The dispute last longer then 30 days with XXXX   file. The account should had been removed from file. BBVA Compass had reported the account on faults dates many times. I had tried to communicate with XXXX XXXX XXXX and I submitting the proof of misused of the account. BBVA Compass does not care if the account is being misused. They are saying it is reported currently. I would like for Compass to show proof that the account is reported correctly with all three credit bureaus from XX/XX/XXXX through XX/XX/XXXX along with the remarks in the comment section.. I do monitor all three credit files just about every day. 

The account had been sold XX/XX/XXXX to XXXX XXXX XXXX XXXX based in Texas. The debt buyer had removed the account from credit files from XXXX  and XXXX on XX/XX/XXXX. for not being register with the Secretary Of State Of California to conduct business with the California consumers. There is a difference between a business license and business registration. BVAA Compass had sold the debt wrongfully to a non register debt buyer who is not register with Secretary Of State Of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: NJ
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, Equifax and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

Company response to consumer: Closed with explanation