BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Aspen Yo LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I now have the second modification from Gregory Funding and its the first month of a three month program HUD I DO NOT WANT THIS NEW NOTE going from a 30 year mortgage to a 40 year mortgage and they are adding {$60000.00} to my note for being 164 days LATE== this is XXXX XXXX and I want to crure the late fees of {$15000.00} BUT THEY WILL NOT LET ME REINSTAMENT IS MORE THAN {$22000.00} WHY IS THIS= XXXX XXXX XXXX XXXX XXXX Gregory Funding loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Automatic Data Processing, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018, XXXX XXXX address received a bill from a Payroll service ADP for a fraudulent business. The business had the name XXXX XXXX, XXXX XXXX at my address of XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. I immediately contacted ADP in XXXX of 2018 and told them to close the account ; it was fraudulent and at no time was there ever a business at my residential address of XXXX XXXX XXXX XXXX XXXX, XXXX Pa. It was very difficult to explain to them about the fraud and they gave me to customer service, and eventually their fraud department department. I talked to XXXX, their security person, and she assured me that the fraud business account would be closed after they did their investigation. The FBI agent XXXX XXXX and IRS Agent XXXX were also involved because of fraudulent EIN numbers. Finally in XXXX of 2018 we received a letter from ADP Fraud division that the account was closed. Just one month ago I started receiving letters from a collection agency in Louisiana to pay {$3800.00} for the XXXX XXXX XXXX XXXX company at my residential address. We are being continually harassed by ADP 's collection agency even after we sent them a letter regarding ADP and the online fraud it caused by not identifying a legitimate company. I am approaching XXXX years of age and can not believe the brashness and lack of responsibility of these companies. Thanks for letting me vent and contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Attention CFPB THIS IS NOT A DUPLICATE .CFPB COMPLAINT # XXXX. 
This complaint involves Wachovia na banking officer XXXX XXXX authorized an account in my name. This us going to be a substantial link to my identity theft. file # with the FTC # XXXX. 
PLEASE issue an appeal in this matter. I have never submitted this complaint as such. Why would the cfpb mark this as a duplicate. Please explain. Please resubmit t Wachovia na. 
Respectfully

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 2019-07-16
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2019 I received a dunning letter from GC Services Limited Partnership whose address is XXXX XXXX XXXX, XXXX, TX XXXX. In response to GC Services LP letter, on XX/XX/2019 I mailed them a cease communication letter pursuant to 15 USC 1692c ( c ) by USPS Certified Mail RRR. GC Services LP was obligated by law to respond to my cease communication letter pursuant to 15 USC 1692c ( c ). GC Services LP failed to respond to my cease communication letter and has invoked 15 USC 1692c ( c ) 1 by default. However, GC Services LP is still trying to collect on this debt and has furnshed this account to XXXX Information Solutions. Attached are my documents regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
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 an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2020-02-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my XXXX  and Equifax credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX  to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.

2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Spoke to XXXX. I asked HOW DO PERMANET CREDITS APPEAR ON MY STATEMENTS? XXXX replys, THEY WILL SAY SECURITY ADJUSTMENTS. I respond Oh, I do not think I have ever had any of those on my account. XXXX, No you have not, WERE YOU EXPECTING ANY? See attatched Fraud Claim Letter. XX/XX/XXXX fraud claim date XX/XX/XXXX, XXXX {$470.00} Temporary Credits Made Permanet.??? See attatched XX/XX/XXXX statement TOTAL CREDITS {$340.00} all merchants credits. XX/XX/XXXX TOTAL CREDITS {$350.00} my payment. XX/XX/XXXX TOTAL CREDITS {$620.00} {$500.00} my payment {$110.00} merchants. XX/XX/XXXX TOTAL CREDITS {$48.00} merchants credits. XX/XX/XXXX TOTAL CREDITS {$450.00} {$77.00} my payment {$380.00} merchants XX/XX/XXXX TOTAL CREDITS {$910.00} all merchants credits. To XXXX I ASK, Where are USAA CREDITS TO REVERSE {$2.00}, XXXX * IF NO USAA CREDITS WERE EVER MADE PERMANET USAA STEALS MERCHANTS CREDITS OR MY PAYMENT AS THEY ARE THE ( ONLY CREDITS ON THE ACCOUNT ) AND THEN I GOT THE DIALTONE. THE TRUTH, WHOLE TRUTH, NOTHING BUT THE TRUTH, SO HELP ME XXXX.??? THERE ARE NO USAA CREDITS MADE PERMANET TO REVERSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: RateGenius Loan Services Inc
State: MD
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 did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of XXXX XXXX XXXX   and Rate Genius. So I contacted XXXX XXXX XXXX and Rate Genius who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MD
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 did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX  inquiry XX/XX/18 XXXX XXXX XXXX XXXX, Suite XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from 1st Investors Financial Services indicating that the inquiries were made at the request of XXXX XXXX XXXX  and XXXX  XXXX. So I contacted XXXX XXXX XXXX and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.

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 2020-02-24
Company: Experian Information Solutions 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:
have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-01-29
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The principal, interest and escrow balance was recorded as {$20000.00} as of XX/XX/2018. A breakdown of principal and interest is {$13000.00} and escrow deficiency {$7800.00}. This is a total of {$21000.00}. This is a difference of {$610.00}. 

The projected escrow shortage of {$6000.00} is being paid through my increased mortgage payments. The projected escrow shortage should not be included in the total arrears of {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account XXXX XXXX XXXX Amount XXXX Date 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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX.   The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-13
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I was struck by a deer while driving. I was alone and I was not injured and neither was anyone else. I filed a police report so that I could make a comprehensive claim on my car. Later I found out that it was reported on my MVR as property damage accident crash report. Ive hit deer before and filed police reports and no others show up. I spoke with my insurance company who informed me that it was reported inaccurately and it shouldnt be on my MVR as an accident because it was a comprehensive claim and there was no damage to anything but my own vehicle. Now I am looking for a new insurance company and the inaccurate record is making my premiums extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notification on XX/XX/2020, through my credit cards credit report tracker, that a new account was added to my credit file in the form of a new collection account that I am not aware of ( XX/XX/2020 ). These are the details of the new collection account that my credit card provided below : Account Details : Bureau Name : MIDWEST RECOVERY SYSTEMS Original Lender : XXXX XXXX XXXX  Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$280.00} Amount due : {$310.00} Payment Details Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported I have no knowledge of this account and received no correspondence from Midwest Recovery Systems about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/2019 a man by the name of XXXX XXXX hacked into my account and stole an amount of {$600.00}. The man began by trying to take out $ XXXX dollars out of my account using XXXX, which is M and T Banks system for sending money to anyone you wish. The bank had caught this and sent me an email that they stopped these transactions and marked them as fraud. However, later that day the same person began taking smaller amounts of money ranging from $ XXXX dollars. I had called the bank as this man was taking the money to cancel my account as fast as possible. While waiting the man continued to take money. By the end of the phone call the man stole {$600.00}. The bank had told me that they would start an investigation and I should see my money returned within 3-10 business days. As day 10 passed I called the bank to see what the hold up was. I talked to a woman who was the farthest thing from helpful and could care less that I was a client with her bank. She had said that the bank did an investigation and I wasn't going to see my money and that it was my fault and that I sent the money. I began to plea my case stating facts like why would I cancel my own account in the middle of sending these transactions, also why would I sent such small and numerous amounts to this man. Lastly I even got a police report to prove that I wasn't lying but non of this was good enough to get my {$600.00} dollars back. The next coming days I called again because this is absurd that im not getting a dime back. I talked to a gentleman and he proposed taking this man to small claims court, now between court costs and a lawyer I would be well over my {$600.00} lost already, but seeing as this money was sent to this man the bank should have an account number or something as to where the money went but nope, no information is what they said they had on the man.

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 monetary relief
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: MD
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 tried to resolve my problems with EQUIFAX but they continue to retaliate against me for REPORTING them to the CFPB. 
I informed them that there were irrelevant items on my report and that I was in the process of filing litigation because they refused to fix the errors.After informing EQUIFAX about it they immediately increased my score by the 36 points that they had decreased in response to being awarded a XXXX increase on my credit card for maintaining good payments. 
Since then I have informed them of additional items that were on my report that had been removed in XXXX by XXXX XXXX, acredit repair company.I just found out that EQUIFAX did not remove them. 
I disputed the ancient and irrelevant accounts. One of the accounts was removed on the XXXX XX/XX/XXXX. 
That account, named XXXX was transfered to XXXX  on XXXX XX/XX/XXXX for unknown reasons. XXXX then immediately decreased my credit score by 36 points as a result. Seemingly the same 36 points that were TAMPERED WITH by EQUIFAX. 
It's obvious that there is tampering and malicious interference in my credit reporting of my score. I have no choice but to begin a lawsuit that will include XXXX. They are sabotaging my accounts because of my continuous reporting to the CFPB out of sheer retaliation. I have consistently reported infactions related to my account and in return receive improper treatment.

Company response to consumer: Closed with explanation