BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the pandemic of Covid-19, I contacted my mortgage company on XX/XX/2020 to let them know Im experiencing a hardship due to the pandemic. Ive been trying to see if I qualified for a special forbearance so I wont fall behind further in payments. Ive emailed them several times, I put in the request online as well. I still havent heard back from Loss Mitigation. I called my mortgage company again on XX/XX/XXXX and the agent told me that the request is in the computer, but wasnt sure why I havent heard back anything yet. I reached out to loss mitigation again that same day, and couldnt get through. I left a voicemail with my information to return my call, but still nothing. Im uncertain about what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NJ
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:
There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX XXXX - Past the statute - Remove XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX/XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: Credit Protection Association, L.P.
State: PR
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 a victim of identity theft. The companies " XXXX XXXX '' and " Credit Protection Association LP '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. 

As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was 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 2018-04-05
Company: WELLS FARGO & COMPANY
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a XXXX XXXX line of credit with Wells Fargo. I have two different lines, one with a balance that gets charged interest and a no interest special terms balance. 
The issue is with the no interest special terms balance that needs to be paid in full by XX/XX/XXXX. I spoke to a customer service rep last in XX/XX/XXXX wanting to pay off the special terms balance. I was told that any amount that I pay over my minimum payment due would be applied to the special terms balance. My minimum due was {$210.00} and my special terms balance was {$190.00}, on XX/XX/XXXX I made a payment of {$400.00} to pay off my special terms balance. 
I received my XX/XX/XXXXstatement and found that Wells Fargo applied my over payment to the interest charge balance NOT the no interest special terms balance. 
I have no way to pay off this non interest special terms balance before the due date and will be charged all the past interest. I am being set up for failure and Wells Fargo will profit on all the accrued interest.

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 2019-11-13
Company: EQUIFAX, INC.
State: IN
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:
My idenity was compromised while serving in the XXXX. During this time the following inquiries were made fraudulently in my name. I request that these Items be removed immediately. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I went to Western Union Agency located at XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX to make a international money transfer of {$96.00} to XXXX XXXX. The problem was that receiver person identification was expired and could not collect the money ... So contacted Western Union costumer service. They alway put me excuses that they're investigating the case, I never received any refoud yet, please help me I need my money back. 

CFPB # XXXX I reported by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: NJ
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 continues to furnish data on credit file improperly. XXXX  debt is satisfied and was eligible for removal. Company failed to comply according FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Capital Mitigation Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I don't know who these people are or what debt they are calling about because they don't disclose it. They call from number XXXX and say " they are with Revenue Reporting and are handling a matter that directly concerns me and before they sign off and submit anything they want to give me the opportunity to go over the details of the matter. It's imperative that they speak with me ... and they will leave a message with my office also ... '' This is not OK to not tell me what the debt is and to call my employer!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: WI
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  XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

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 2019-10-09
Company: Receivable Solutions, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE

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 2020-11-16
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The same phone number calls every day at XXXX XXXX  and once at XXXX, ALWAYS before XXXX. I have a XXXX XXXX XXXX  XXXX, XXXX, XXXX and several XXXX  XXXX. I have a letter from my doctor to send them to cease and desist as I'm in the process of filing for ss XXXX and am uncollectable. I haven't been able to work since XXXX except for a brief 4 month period in XXXX when i was fired for losing the use of my hands do to still undiagnosed neurological issues. However, when I call them back, they refuse to give me an address. They simply say that they are calling for lawyer XXXX. Just lawyer XXXX, no last name no law offices attached, they won't tell me what the debt is although once I believe I heard amez mentioned before they hung up on me. The last time I called them back on Friday I decided I would call them as they keep doing me until I got some answers which I never did because they just hung up on me over and over and over. One of them finally gave me an email address because I kept telling them I'm simply trying to mail you the letter. I just want to send you this letter so you'll leave me alone. They gave me two false email addresses both were returned so I failed to get them the information due to their lies and make them leave me alone and they are persistent-they called again this morning at XXXX. They told me Friday that they had to the do-not-call block between me and them that I'm not allowed to call them back lol and they're not calling me-and yet they called again this morning. I am UNCOLLECTABLE. I BECAME XXXX  AND LOST EVERYTHING IN XXXX after exhausting my lifesavings trying to pay bills and rent while physically unable to work or keep a job since XXXX. Before this I had a XXXX credit score and paid EVERY bill early for over 20 years. It is devastating to be unable to even care for myself due to XXXX and I'm so deep in debt that as SOON as my XXXX goes thru I WILL BE DECLARED UNCOLLECTABLE. These companies are causing my XXXX, XXXX, and XXXX to become XXXX XXXX  to the point of needing XXXX. They won't stop, or tell me who they are calling at XXXX every day. I simply want to send them this letter so that they will STOP. When they call I am not nice anymore, because of my XXXX and my XXXX  XXXX  that manifests as anger and I can not control myself so when they call me and refuse to give me the address and when I give me the runaround and they start trying to put me down and tell me that I'm a piece of XXXX for not taking care of debts then refuse to tell their address or who they are, the voicemail goes to a manager XXXX XXXX or XXXX. I've tried soooooo hard to get them to stop. I've left her soooo many voicemails explaining the situation and still they wake me at XXXX XXXX  when I've had no sleep. I'm about to be hospitalized for it and need to sue them at this point to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: P&B Capital Group, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX a natural person consumer pursuant to 15 U.S.C 1692a ( 4 ) I am the creditor who extend credit creating a debt. Debt which means any obligation or alleged obligation which this is alleged pursuant to 15 U.S.C 1692a ( 5 ). You P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 1 ) you obtained my location information fraudulently. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 2 ) you stated that i the consumer owes an debt. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt .P & B Capital Group LLC is in violation consumer rights under Fair credit Reporting Act 15 U.S.C 1692c ( a ) without the prior consumer consent given directly to the debt collector. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692d ( 1 ) harassment or abuse, use or threat of us of violence or other criminal means to harm the physical person, reputation, or property of any person. You damages my consumer report. P & B Capital Group LLC is in violation pursuant to 15 U.S.C 1692f false and mislending information. P & B Capital Group LLC is in violation 15 usc 1692e ( 2 ) ( A ) the false representations of the character amount, or legal status of any debt. P & B Capital Group LLC is in violation pursuant to 15 usc 1692f ( 1 ) unfair practices, collection and amount unless such amount is expressly authorized permitted by law. Violating 15 USC 1692f ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

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 2019-09-26
Company: Credit Systems International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NC
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:
I sent Equifax a letter on XX/XX/2020 stating they had put the wrong address to a collection agency I sent a validation letter to on XX/XX/2020. I told them this is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately. I have yet to receive anything back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: KY
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/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.

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: EQUIFAX, INC.
State: FL
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:
I have been paying my loan. XXXX XXXX XXXX XXXX applies the payments to a different account and reported me late to all three credit unions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: GA
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 a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-01-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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 XXXX in XXXX managed by XXXX charge a bogus amount on my credit and submit to Genesis Credit Magement they are trying to embezzle from me.

Company response to consumer: Closed with explanation