BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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 contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been experian and they are still not following federal law. As such, XXXX and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.

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 2020-01-31
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I don't know where else to turn at this point in order to save my home. I have been sending documents over and over to the lender and it just doesn't stop. Every time they review my documents by the time they are done they have expired and ask for additional documents. Please help me save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attempted to dispute factors on my credit score but was only able to dispute certain items and not others. Was looking to dispute an open account that was being reported incorrectly as well as a collection account that I would like disputed and removed but had no success. I was only able to dispute personal information

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 2019-08-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2019 I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. Law Offices Of Mitchell, was changed to MBA LAW. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted all three bureaus Experian, XXXX, and XXXX  about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm 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 2019-05-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You did not pay my property tax until XXXX in spite of me informing on XX/XX/XXXX and the last day to pay was XX/XX/XXXX. So I went and took a personal loan and paid around {$4200.00}. So you sent the payment later of {$4000.00} and then got it back and then put it in my escrow account. And you did not even pay the late payment fee. It went out from my pocket. 

Attached is your previous response ( complaint # ) related to the property tax. You mentioned that the decision will be made by XX/XX/XXXX. You did not bother to inform me or send a mail communication regarding this. Why are you not returning my property tax amount? There is a balance of {$5900.00} in my escrow sitting right now. Why are you keeping such a large amount in my escrow What is the real problem here? 

Please fix your system and also your customer service. You are giving nightmares to the customers. So many issues and problems with Shellpoint. And it continues as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: First Federal Credit Control, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XX/XX/XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. XXXX XXXX XXXX  XXXX, was changed to XXXX XXXX. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify XXXX. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: FL
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 Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2021-04-07
Company: EQUIFAX, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a letter requesting that my debt with Jefferson Capital Systems be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account.

The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: The CBE Group, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly called me almost everyday for about a year. Some times there is a day or two gap in calls but they call me Atleast 4 times a week. I never return calls unless a voicemail is left or I know/recognize the number, and I NEVER answer unrecognized numbers. Almost every time they call its from different numbers but the same area code ( XXXX ) and the caller ID just says XXXX, Ok. I dont know how many phone numbers this company has but good lord theyve called me from probably XXXX different numbers, which as you can understand makes blocking them impossible. I do have some debt collectors sending me mail but these phone numbers or company name ( CBE group? ) are never on the paperwork so I have no idea what these people want and Im not talking to them. 

The other day it changed when the caller Id said CBE GROUP and I had something to go off of so Ive been looking into them. The reviews are downright scary. A lot of people saying harassment, lots of calls, rudeness, scam-like behavior, demanding personal info without giving any info themselves about why theyre calling. 

I have no idea who these people are or what they want and I refuse to talk to them. I just found out about this bureau and being able to make a complaint. PLEASE HAVE THEM STOP CALLING ME FOR THE LOVE OF XXXX STOP CALLING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Balance transfer ( 10.74 % ) being charged ( incorrectly ) AS direct deposit rate ( 17.49 % ) Also no way to contact - Can not get through to customer service. In telephone queue for over 2.5 hours!

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 2020-08-24
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left XXXX XXXX XXXX XXXXXXXX XXXX, an apartment complex in XXXX, VA some months back. I figured there might be some balance due. At the time, provided forwarding information by email and return phone call. I heard nothing for several months. Then I began receiving repeated calls from " The office of Hunter Warfield ''. They call using a variety of 8xx numbers, and do not leave a message. When I have answered and spoke to them, the have a long introduction that makes them sound like a federal agency. 

However, in my specific case, they start off about collecting a debt after numerous attempts to contact me. After some questions, I find they have been sending letters to an address I am not at. I give them a proper address for postal mail and an email address. I receive nothing from them at either the postal or email. 

And then I receive another phone call. Same speil. 

So today I called the leasing office to ask what is the deal. And I find that I have a XXXX balance!! There is no reason for Hunter Warfield to be calling me. 

As a certified communications engineer, I consider this to be harassments and fraud by telephone, across state lines, which is a felony under FCC rules. Any further calls or other communication from this firm will be handed over to the FCC and Attorneys General of  Virginia and Tennessee, along with alerts to the media for suitable judicial action. 

Do not harass me by phone and commit fraud trying to collect a debt I do not owe. 

A XXXX Search shows Hunter Warfield at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX It appears to me that the landlord is not the problem, but the collection agency is.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: NH
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 was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2018-12-04
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated robo-like calls from Linebarger GOggan, Blair & Sampson, LLP for months. I did not answer as I didnt recognize the name. After many months of receiving as many as five calls/day as early as XXXX, I answered the phone. 
The rep concurred that they were trying to collect debt from the business, XXXX, XXXX, VA who had my telephone number prior to XX/XX/XXXX when I moved to XXXX, VA and took the number for my personal residence.

After months of calls, I answered one, spoke to a young woman. She apologized and said their files would be corrected and I wouldnt receive anymore calls. Below are the calls Ive received since this removal of my number and correction of their files. 
XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX I called Linebarger today at XXXX and spoke to XXXX. First she couldnt find my number, then she did. I asked to speak to her supervisor, Mr. XXXX XXXX. He was unavailable. I asked for him to email me that their records would be corrected and I wouldnt be called again. I was told that he can not email. 

I advised them that I was registering this complaint with the FCC of this harassment, no attempt to confirm they had the correct person and refusal to correct their records. 

Thank you for your help. 

I appreciate this help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation