BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: XOOM CORPORATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Sent money to XXXX via Xoom by XXXX, before the receiver even knew about the transaction I was notified that the money was picked up by receiver. I contacted xoom about it, and they told me they were going to contact their partner. After a few hours the found out that the transfer was picked up by someone other than the receiver. After they found this out, they could not give me my money back, they are saying that they need to run an investigation. They already know the money was stolen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: United Collection Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX   of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX  XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Whom It May Concern, I received a XXXX  XXXX XXXX  alert. I saw that a company called Hunter Warfield , Inc fraudulently place a negative account on my credit report. I don't know who this company is and never had any correspondence from the Hunter Warfield , Inc. or a notice that the creditor they " supposedly '' representing is giving Hunter Warfield permission to contact me about anything. They have unlawfully reviewed my credit report without my consent.

For Hunter Warfield to do this fraudulent act and conduct their business operations unlawfully in the middle of the COVID-19 pandemic is distasteful and grossly irresponsible. They hope that while consumers are distracted by the shutdowns caused by the pandemic, they can sneak in their lying reports and mess up consumer 's credit score and livelihood.

Hunter Warfield is a disgrace, need to be charge and closed down!

Concerned, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX credit report, there is Capitol One/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through XXXX, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. XXXX should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( Capitol One ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have contacted Lakeview Loan on several occasions and have not received an answer regarding my PMI. 

I am trying to refinance my loan at a lower interest rate and a XXXX mortgage instead of XXXX. My house was just apraised at {$320000.00} and I owe {$120000.00}. Two different times my bank has requested a payoff statement, an additional charge or fee of {$26000.00} has been on it. It's labeled as PMI. No one has been able to tell me why that is on there and no one has taken it off. I have left messages with upper management and no return phone call.

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 2018-03-06
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
again, I at NO time told you this wasn't because of Covid, you offered me a plan in regards I could put arrearages at the end of the loan and or paid in a lump sum. This was never offered to me and then you state you placed me on an unemployment plan when I was and can verify I was employed. 
Please can an outside source listen to the phone calls and not this fairy tale they have concocted, for I will continue to file complaints until this is corrected.

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 2018-12-17
Company: EQUIFAX, INC.
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:
In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my Credit Report for this month. I have not been late on this Mortgage this year at all. IT is currently showing as 30 days late in XX/XX/2019, I made my payment forXX/XX/XXXX on time. I was marked as late earlier this year, which I believed was rectified. It turns out they have just moved the late pay to this month! As I said, I have not been late at all!

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, I sent correspondence to the bureaus regarding fraudulent accounts that are on my credit report. The fraudulent account is still listed on my credit report. Pursuant to Section 605B of the FCRA i would like to have this fraudulent item blocked.

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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
To whom it may concern, I'm a XXXX student who studying my XXXX degree in XXXX XXXX was on the road to establish credit and was referred to apply for a Capital One Platinum unsecured credit card from an Customer service representative at XXXX  bureau. There I became a honor on-time full payment cardholder for a bit over a year. Until I experience a home burglarize invasion which resulted in become a victim of identity theif which cause a big loss as been a young adult who was trying to establish independent start in life that when I received my billing statement that following month that when I noticed there where many unauthorized transaction charges that I didn't authorize or give no one permission to. I contacted Capital One and filed a dispute claim which went under investigation and resolved to be Unauthorized transaction due to compromised account but was told that I had to continue making all payments which I continued to keep my credit score in great status due to my social security card being stolen I cleared my balance and closed my account once I closed my account that when Capital One want me to account holder that the baby came from verify verify personal information which was confirmed to me that there where not any issues with the payments that they receive.That when Capital One infrom to me a that I wouldn't wasn't going to mail me my refund check from Capital One which was told from the other individual that made those last last 4 payment. How can I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 my pay check was garnished {$450.00} for a credit card debt owed. The balance owed was {$1500.00}. The attorney handling my debt, Rausch Sturm Israel and Enerson ( XXXX ) have continued to garnish my wages, although the debt is now paid in full. I have now paid {$1800.00}. When I called to complain, they seemed uninterested and I never received a call back. I need what I overpaid to be returned ASAP. I emailed them paystubs showing the garnishment is still happening.

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 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 - XX/XX/2021 several charges were made on our credit card. The total amount was {$5.00} ; XXXX. These charges were made in XXXX XXXX. According to Bank of America, these purchases were made on site - chip was read, PIN was entered or we signed for the merchandise. We havent been to XXXX XXXX & both our cards were in our possession when the fraud occurred. We destroyed them after reporting the fraudulent activity. 
I notified B of A when I saw our statement. They investigated & determined that the charges were legitimate. I disputed that finding. They reevaluated & still came to the conclusion that these were legitimate charges. I am submitting a reconsideration request, w/ some documentation that we were in the US when the charges occurred. 
I would appreciate any assistance you can provide.

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 2018-12-17
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:
The company Experian refuses to dispute my inquiry into accurate reporting stating the following. 


You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

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 2019-08-21
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware that I was in debt to a gym. Nobody has called me nor reached out through mail to let me know that any debt was owed. Today I opened my email to see a change on my credit report that says my credit score dropped because of debt that is in collections. Because nobody reached out to let me know this seems unfair that my credit score is impacted over a debt of less that {$90.00}. What is the protocol for these collection  agencies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.

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 2021-09-15
Company: Ocwen Financial Corporation
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: Information belongs to someone else

Complaint:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company PHH mortgage provided mortgage services to my account but was never the lender or owned my mortgage. Phh mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but phh mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: OH
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 reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( XXXX XXXX XXXX XXXX XXXX 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX is a third party debt collection company that continues to furnish medical debts on my consumer report. Also they continue to contact me about this alleged debt from various phone numbers which is harassment and abuse. I do not know whom this company is, and I have no legally binding contracts with them. I sent them a letter to validate this alleged debt on XX/XX/2021 and I still have not heard anything but I did receive a return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Palmar, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: TN
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:
Re : XXXX XXXX XXXX, XXXX ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.

Company response to consumer: Closed with explanation