BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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/XXXX ; I pulled my credit score to find a Collections Account loan from XX/XX/XXXX from XXXX XXXX, I do not recall obtaining or show records of receiving any funds from. The account has now been sent to XXXX  XXXX XXXX XXXX for Collections. On XX/XX/XXXX, I sent ( via certified mail ) a letter to XXXX  XXXX XXXX XXXX, requesting all information of this account. I requested everything that is in the due diligence to send an account into collections ; Actual copy of my signature on the loan agreement, phone call records, mailing records in which they did come in contact with me. I received back ; a typed out loan agreement with my current address on the loan agreement, with a computer generated, typed signature, and a loan payback agreement. In XX/XX/XXXX, when this loan was supposedly obtained I lived in a completely different city & area code ; yet what the " History of Payments '' reflects my current information. I have disputed this with the Collections company to which I was told to Pay or they will continue to report and update the dates so it will stay on my credit report ; I have disputed with the collections agencies that this information was incorrect & supplied them with the paper work I sent in & the letter received back. I also submitted in a copy of the Alabama LAW & LAW CODE about reporting " Payday Loans '' on credit. This account has caused multiple issues personally ; for one I have not been shown the correct paper work that they have to supply, and 2nd, under the state law is not a proper credit reportable account. XXXX  XXXX XXXX XXXX is a fraudulently reporting & damaging consumers credit reports ; with a blank disregard to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: ERC
State: GA
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:
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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 have a debt collection reporting on my credit that I do not recognize. I have no knowledge to where this debt originated from. It states a school that I never attended for services that I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
chexsystems  is knowingly reporting a fraudulent items masquerading as accounts on my consumer file. I have provided police reports identity theft affidavits. No real investigation was done. If so they would have found out that this item is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Debt Solutions Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full. 

Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement. 

I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check. 

Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I refuse to be responsible for an account that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery XXXX XXXX XXXX has contacted me daily for about 2 weeks and counting, about 2-3 calls a day. To my knowledge, I do not have any outstanding debts with any debt collectors. Nor have I received any notification via mail of an outstanding debt. 
I have spoken with the company directly and was instructed that they would stop calling aka put me on a do not call list. The phone calls still continue and my frustration only grows fonder. 
Portfolio Recovery is harassing me via phone and I would like to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 already tried contacting Portfolio Recovery Associates with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! 
I disputed on all my credit reports ... to no avail. 
I asked XXXX to provide me with statements or some type of evidence and they could not. 
Nor could ERC collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dovenmuehle Mortgage Inc. and XXXX XXXX XXXX  are one and the same. 
I have filed multiple complaints against Dovenmuehle over the last six years. The last report was submitted XX/XX/2019 complaint ID XXXX. I also did search and realized that I am not the only one to fall victim to Dovenmuehle unfair, unlawful, unethical practices. Please see the link below to see comments from other victims over the years. 


XXXX XXXX XXXXXXXX There is some funny business going on and this company really needs to be investigated and shut down. Dovenmuehle has caused way to much financial harm to the lives of many not to be held accountable. I do not want Dovenmuehle calling me or harassing me any longer. It is clear that all my efforts are in vain no matter how much I attempted to get some where with this Dovenmuehle. I have notified the Maryland State Attorney Generals Office, HUD, FBI, Federal Trade Commission, and the XXXX XXXX XXXX to no avail. I hope and pray that someone will eventually stand up and put a stop to this. Dovenmuehle is a joke, and the service is dishonest, and horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For personal reasons I left the home in which I was paying for internet. Almost a year later in XX/XX/XXXX I was given the equipment back to return, which I did. After sending it back I was assured that the outstanding balance ( {$270.00} ) would decrease with the the receipt of the equipment and would also erase from my credit history. A month later in XX/XX/XXXX I checked to make sure they received the equipment while I was still getting calls from the collection agency ( Diversified Consultants ). I was told that the case would be escalated in 48 hours and nothing happened. I kept calling them over the course of months wondering what happened to the equipment. Then in XX/XX/XXXX I was on the phone with an XXXX manager who finally said that there was a missing piece of information on the equipment as it was lost the entire time! So there was never a chance to get the bill lowered to the correct amount.The XXXX manager explained to me to just pay off the amount as I was trying to buy a house and to dispute it afterwards. I received a paid in full letter from XXXX. 

I believe that this debt, which was promised would decrease to the correct amount, is wrong. In addition the missing equipment that I returned is no longer in my possession and was misplaced by XXXX which led to the delinquency in my credit report. I am seeking to have it deleted as the debt was paid with harm to only myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to remove the Extended fraud alert from XXXX and Equifax. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The CRA is reporting inaccurate and false information on my credit file without proper VERIFICATION not VALIDATION. The law requires that all collections, debt be VERIFIED through proof such as reciepts, contracts etc.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, Original Creditor, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-21
Company: ZWICKER & ASSOCIATES
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Zwicker and Associates contacted multiple members of my family even after both them and the original creditor had both been told to not contact me. They contacted at least 3 members of my family multiple times. 

When they filed lawsuit they did it during the period of the XXXX required for debt validation. Even though they received a debt validation request on XX/XX/XXXXth they file suit onXX/XX/XXXXrd. They did not provide a true debt validation. They sent fraudulent manufactured statements in late XX/XX/XXXX. 

Even though the files were incorrect they proceeded to serve sewer service on my house. The thug they hired beat continuously on my door. I have no trespassing signs. The man peered into the windowed opening of my door over 5 feet from the floor. A trespass if privacy in XXXX. Then he tried to open my door. When I told him to leave from a side window he began kicking the glass of my storm door, and hit my porch lamp, breaking it. Further the very rotund man leaned on my porch beam and caused nails to start to to pull from its support. He shifted my porch fence by 3 inches from his intentional malicious injury to property. He then placed the papers in my mailbox. A federal crime. 

The lawyer an XXXX XXXX XXXX of XXXX XXXX wont tell me the name of the thug he sent to damage my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via cell phone. I was addressed by the wrong name. I was accused of owing for a XXXX XXXX account. I explained to them that I have never had XXXX XXXX. He kept disputing with me and I hung up the phone on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 already tried contacting XXXX XXXX XXXX with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am on XXXX XXXX dollar contest XXXX XXXX is taking money out of my account is done this a couple of times once from XXXX XXXX store in XXXX Maryland and now from a place called XXXX XXXX he took {$88.00} from XXXX XXXX 7 different times then he took {$0.00} from XXXX on XX/XX/2020 and then he took {$42.00} from XXXX XXXX on XX/XX/2020 someone at m & t Bank in XXXX is working with him XXXX New York please go get into this for me

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 2020-08-19
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the XXXX hospital & the collection agency about bill. The hospital said I didn't have any insurance, but I know wasn't true. I've been working for the same company for 23 years with the same insurance. So I gave them my information & also contacted the collection agency. Collection agency said it's nothing they can do and want full payment. I called back to hospital all of a sudden my bill is now showing paid, but collection agency says they have to wait for a clearance from hospital then it will take 30 days to remove off my credit and I dont think this is fair to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AES/PHEAA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the Fedloan Servicing and the XXXX the issue was not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on 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 2018-11-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Upon Checking equifax I found that XXXX reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company XXXX  forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
hi my name is XXXX XXXX, I have been having issues with both my peronal checking account with chase and my email account with XXXX. So basically what keeps happening is my information keeps getting hacked and this now the third time its happen. My money has be stolen before transactions have had happen. as far as my email and bank account my passwords and ids hvae been changed alot so I cant access my stuff. 

The best way to reach out to me is my cell number XXXX.

Company response to consumer: Closed with explanation