BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: NY
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:
Incorrect collection account shown on my credit report from XXXX XXXX listed as open communication account with XXXX XXXX XXXX XXXX XX/XX/2020 with a balance. No know of such account and never received documents from them in accordance with FTC guidelines. This is bad faith billing and credit reporting practice.

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 2020-09-02
Company: EQUIFAX, INC.
State: NY
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:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law.

Please have it remove now in good faith and follow FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX  that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.

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 2020-07-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: NY
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:
ON XX/XX/2020 I HAD 2 ACCOUNTS-XXXX XXXX   BALANCE XXXX AND XXXX XXXX BALANCE XXXX WHICH LOWERED MY FICO SCORE 65 POINTS, HOWEVER ON XX/XX/2020. I HAD PAID BOTH ACCOUNTS BUT MY FICO SCORE ONLY WENT UP 8 POINTS. MY XXXX  FICO SCORE WENT UP 62 POINTS SO WHY IS THIS SO DIFFERENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 is missing that should be on the report

Complaint:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

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 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The credit reports are showing i have a Bank of America credit card and i'm 30 days late paying. 
I do not have this credit card

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 2020-09-02
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had attorneys from Suttell & Hammer, The name of the attorney is XXXX XXXX XXXX, they sent me letters. It about a debt that they claim that I owe. So I sent them a letter responding asking them to prove and show this so-called debt that they claimed that I owe. They sent me a letter with my name on the front of the envelope. But when I open the letter, it showed that the information belong to a different person. So obviously, there is some identity theft. When they sent me this information they claim that would prove that I owed something. They sent me all these documents from somebody else 's record. The other thing was the missing handling of my personal information, I Do Not know anything of this so-called debt, that they are talking about. So, how are they able to have my personal information without me knowing about it. They could have sent my information to someone else. I am going to have to worry about people coming to my house or taking my information to sign up for credit and other things in my name. So, I am writing this complaint. It has to be identity theft or the miss handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have applied for programs to allow a defer loan payments because we have been financially impacted by the coronavirus pandemic. I have made multiple attempts online and over the phone with Ally Financial Inc. to get a some sort of help through this time. If a customer is past due they are only offering assistants if you bring your account current and then you are automatically due again for the following month. So in reality Ally isn't really offering anything other than bring the account current and still remaining due for the following month. This has also affected my credit score because of the days past due. The lack of compassion by Ally is really concerning.

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 2018-07-15
Company: Bread Financial Holdings, Inc.
State: CA
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:
Me and my husband went to XXXXXXXX XXXX XXXX on XX/XX/2018 in  XXXX, CA to do a little shopping around. One store I went to was XXXX XXXX. When I went to pay at XXXX XXXX, the associate offered me a reward card and told me it would help me get {$20.00} off the purchase and get a free pair of underwear and I would get points as I spend money there. Most stores offer their own versions of reward cards for free so I was inclined to do. As I filled out their survey and finished, I was ready to put it on my debit card but the associate said that we had to put the transaction amount on the rewards card, which to my confusion, happened to be a credit card. No where in the conversation was the rewards card called a credit card, even when I asked what the rewards card entails. The associate never told me it was a credit card and never asked to pull my credit, but rather told me that it was just a free rewards card. Pulling credit is not free as inquiries can affect your credit which takes time and money to improve. So the associate wanted me to put the {$93.00} on the credit card but since I did not want the credit card in the first place I put on my debit card. We tried to talk to the manager but we got a supervisor named XXXX and while trying to explain the implications of this deceptive practice, we were told that we were being aggressive to trying to find a resolve. After leaving we called XXXX XXXX  Customer Service and talked to a CSR named XXXX who was very helpful, they wanted to send a {$25.00} gift card for the inconvenience. I was also told that this happened to another person by the rep so this seems that it can be a reoccurring incident. My husband works with loans and said that this would break certain laws/regulations under UDAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management is fraudulently reporting 3 separate alleged debts on my credit report as being a Factoring Company Account which they are not. I have never entered into relationship or agreement with Midland Credit Management at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and Texas state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Midland Credit Management is a covered person and a debt collector and is subject to FDCPA. By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud in an attempt to skirt FDCPA and FCRA laws. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was fraudulently used to receive a loan from ILOAN/ONEMAIN. The address used for this loan has never been my address. The identity thief used a paper copy of my ID also. The address on the loan & id never matched up, which should have been a red flag for a company who is supposed to throughly verify identities before issuing out loans. Phone numbers, email address, etc. are also not linked to me. Even after filing the proper police report & other supporting documents, this company is still holding me accountable for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I remitted payment to my loan servicer, Dovenmuehle Mortgage , Inc. via XXXX XXXX XX/XX/XXXX. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that Dovenmuehle Mortgage , Inc. transferred the loan to XXXX XXXX. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, thereby paying off the mortgage loan owed to Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XX/XX/XXXX. 

Dovenmuehle Mortgage , Inc. failed to deposit the XXXX mortgage payment. Dovenmuehle Mortgage , Inc. further failed to forward the XXXX mortgage payment to XXXX XXXX. Irrespective of the XXXX mortgage payment, both Dovenmuehle Mortgage , Inc. and XXXX XXXX  were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, Dovenmuehle Mortgage, Inc. caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. Dovenmuehle Mortgage , Inc. had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither Dovenmuehle Mortgage, Inc. nor XXXX XXXX  were permitted to treat any payments as late during the 60-day period following the transfer from Dovenmuehle Mortgage , Inc. to XXXX XXXX  on XX/XX/2020. See 12 CFR 1024.33 3. Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XXXX, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither Dovenmuehle Mortgage, Inc. nor its successor in interest, XXXX XXXX have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX  card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: CA
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 attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Caliber Home Loans, Inc.
State: CA
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:
Name : XXXX XXXX DOB : XXXX LAST 4 OF SOCIAL : XXXX REPORTING COM : Caliber Home Loans On XX/XX/XXXX a mortgage company posted 30 days late on my account " Caliber home loans '' They haven't received my check And called me 7 days before the 30 days due date, I made the payment right away with their rep on the line, he DID NOT inform me that with the payment method I chose it will take them 7-14 days to receive check, they got the check 1 day after the 30 days due date and reported 30 days late. 
Lack of communication on their side while I was completely registered with them, including email and phone number and alerts. 
Tried to speak to their supervisor right after incident and they kept saying he or she is sick, took me 2 weeks to speak to a supervisor. 
I tried to dispute this and they are not cooperating with the beaural attempts to resolve this. 
Was reading other people complains online and I'm not the only one.

I have two mortgage companies I'm dealing with, and a problem like that never happened, I take my credit very seriously and because of their lack of communication I got into this situation. 
They keep saying that because it was 1 day after the 30 days than it's not an error, instead of taking responsibility for their actions, informing me sooner they haven't received payment and most importantly telling me to choose a different payment method so the payment will be reflected right away. 

Sent them a proof already that payment was made at the date of their call ( 7 days before the 30 days ) And a letter from the bank indicating I had over 30k in my account at the time, so there wasn't any problem with my ability to make payment. 

Please help me resolve this matter and to remove their late payment from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 IS INFORMATION ON CREDIT FILE THAT DOES NOT BELONG TO ME I HAVE NOT GIVEN MY INFORMATION TO ANYONE FOR THESE ACCOUNTS I DID NOT RECIEVE ANYTHING FOR THESE ACCOUTS IT IS ADDRESSES AND INQUIRIES AS WELL. I HAVE FILED ALL OF THE REPORTS WITH THE POLICE AGENCY AND FTC. ALL THE ACCOUNTS THAT NEED TO BE REMOVED ARE AS FOLLOWS 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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.

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