BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 XXXX XXXX  Midland Credit Management called me at work. I do not believe I had listed my employers number on any applications in the last 10 years so I was very surprised to have a call of this nature at work. I have in fact marked any and all boxes stating my work can not be called. I told them they can not call me at work, ever and in our state it is in fact against the law. he argued with me and told me that is untrue, and harrassed me to stay on the line with him. A coworker witnessed my end and went into managements office to report me. 
It is against company policy to receive phone calls of this nature and in my job position debt collection calls jeopardize my employment. Harassment from debt collectors has a zero tolerance. The company I work for will not only remove me from my position but will also initiate a lawsuit against the harassing agency. 
NEVER have I granted any agency permission to call my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested an on line mortgage payoff statement from Dovenmuehle Mortgage Co on XX/XX/XXXX. The statement indicated a total payoff amount of {$340000.00} if paid before XX/XX/2020. Due to quarantine restrictions and on line banking daily payment limits, I sent 4 successive on line payments to Dovenmuehle totaling {$340000.00}, which they received and posted to my mortgage account by XX/XX/2020. 

As of XX/XX/2020 my outstanding principle balance was {$3600.00} per Dovenmuehle 's on line activity statement. I reviewed my loan activity and called Dovemuehle on XX/XX/2020 to request that the portion of each of those 4 previous supplemental payments not allocated to principal curtailment be allocated to principle. I was told that this was a manual bookkeeping step and that I should check back on XX/XX/2020. 

I called Dovenmuehle on XX/XX/2020 and spent roughly 5 hours on hold and speaking to various customer service reps, supervisors, and loan recovery staff. I also requested a current Payoff statement which now showed an additional {$770.00} to payoff the loan. I also noticed that the sum of my late XXXX payments of {$340000.00} were added back to my mortgage balance and according to discussions with Dovenmuehle put into a suspense account. The XX/XX/2020 payoff balance was by Dovenmuehles admission, 17 days interest on the {$340000.00} balance which remained in their system as my payments of {$340000.00} were reversed out of my account and booked instead to that suspense account. Dovenmuehle couldn't explain why all my payments including those previously booked as principal curtailments weren't subsequently rebooked as principal curtailments. They remained in suspense as of XX/XX/2020. 

No one I spoke to ( Supervisor XXXX, customer service XXXX XXXX, et al ) had the authority or interest to restate the accounting or modity the final payoff statement. It is my contention that the additional interest of {$770.00} to pay off my mortgage by XX/XX/2020 is unwarranted and based solely on Dovenmuehle 's decision to rebook my mortgage payments into a suspense account to either penalize a mortgage payoff or to take advantage of the current COVID 19 restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I transfered {$4100.00} from another pepaid card to my Bluebird account on a Sunday afternoon XX/XX/2020. I woke up today XX/XX/2020 to 2 e-mails. The first 1 said my deposit posted to my Bluebird account but 30 minutes later I got another e-mail saying that my account was suspended. I called customer service and all they would tell me is that I needed to send a letter to a P.O. Box in  Georgia and ask for my money. That is all the money I have on that card and I don't have time to wait around for letters to go thru. I am currently looking for a place to live in a new city and I am staying in a hotel. This hotel has that card on file. Customer service wouldn't even tell me why my account was suspended. I really need my money. I was supposed to give this card information to my job today for direct deposit but now I can't..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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 2019-08-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Carrington Mortage and myself came to an agreement on how much I owed as to late payment of my loan. 
I agreed to pay alot of money for 2 months of XXXX XXXX dollars to get me current. 
I to this day I am still being charged 3rd party charges even stated today when I paid extra the representative said I could still have 3rd party charges next month even though I have been current for months. 
My payment for XXXX was XXXX Last month was same My payment should be XXXX I only make XXXX every 2 weeks I have told them this every month Including when I started paying what I owed the first 2 months were XXXX Was very hard to maintain with what I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  account # XXXX was included in bankruptcy filing in XX/XX/2019 and XXXX on XX/XX/2019 but is reporting {$34.00} balance & charge offs after bankruptcy filing. I have notified the creditor and the credit bureau multiple times but they have yet to fix this account - it should have a zero balance and no charge offs after XX/XX/2019. They fixed the other accounts with this creditor on Transunion but still have not fixed this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMCB CARD

Contact
XXXX XXXX XXXX XXXX DE  XXXXXXXX XXXX XXXX  

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send in my payments way ahead of their due date. The last payment was sent on XX/XX/XXXX for XXXX 's payment due XX/XX/XXXX. The check has still not posted. The mortgage company prefers to have automatic payments and have told me so. So they sit on the check as long as possible to try to get me to do automatic payments instead. They're always blaming the post office. But other payments to other companies sent on the same day only take a two to three days to post. The issues cause me panic and anxiety and are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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:
On XX/XX/2020, I called XXXX XXXX  to have 4 fraudulent hard inquiries removed from my credit report. XXXX XXXX  confirmed the inquiries were fraudulent and said they would submit a request to Equifax to have them removed, which would take 30 to 60 days. 

On XX/XX/2020, a 5th fraudulent hard inquiry had been added. I called XXXX XXXX to get the 5th one removed. The person at XXXX XXXX  said they would not disturb the first request for the first 4 inquiries, but would add an additional request for the 5th one to be investigated and removed later. 

On XX/XX/2020, I called Equifax to ask why they had not removed the the 4 fraudulent hard inquiries on my report that XXXX XXXX  had reported to them. Equifax told me they have not received anything from XXXX and that I have to contact XXXX. Since Equifax had been telling me XXXX has to fix the error and XXXX told me multiple times in 2020 that they had sent off the request to Equifax, I wanted Equifax to allow some form of communication between all three parties to get this error sorted. Equifax had already put me on hold for a combined total of 1.5 hours this evening, but then put me on hold again when I asked to speak to a manager, where after being on hold for 15 more  minutes, Equifax hung up on me. 

I believe Equifax is not interested in fixing my problem and just wants the customer to give up and hang up so they don't have to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There where some fraudulentl addresses accounts and inquiries reported to my credit report I need them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-16
Company: Experian Information Solutions Inc.
State: NV
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:
I have reach out to Experian many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



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 explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: IA
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:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXXXX/XX/XXXX balance : 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 2020-07-13
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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:
XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX   Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
XXXXhow Details | View your Report | View your credit score Updated + 'icon ' Updated filed ftc not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
COMPANY EQUIFAX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX  are fraudlent not protesting and allowing fraud report on my credit father with children single and My credit suppose to be good they got me under fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION 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 2019-03-15
Company: CORELOGIC INC
State: TX
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 am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and TRANSUNION LLC, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXXXXXX XXXX XXXX that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXX Date openedXXXX ( ( please see attachments ) )

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 2022-12-04
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation