BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Compass Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not my debt, I am NOT the account holder- Over the last year, this company has called me 8 times on my cell, and 4 times on my landline. They ask for me by full name, but then say are trying to contact a XXXX XXXX and ask for any contact info for her. 
I do not know this person. First they claimed she was my mother and that I had to tell them where she was because she owed them a lot of money. I informed them that was not my mother 's name, not even close, and then they said " oh well she is related to you somehow so you need to tell us where she is so we can collect the debt ''. 
Again, I informed them that I do not know anyone by that name, and just because someone shares a last name, doesnt mean they are 'related somehow ' so stop calling. They didn't. I blocked thier number and then they started calling from a new number. They won't stop. I don't have what they want-I don't know any XXXX ( an old co-worker, but he was a man and his last name was XXXX, so that can't be who they arecalling about ). 
I thought maybe this was happening if my credit was stolen or something, but nothing odd is on my reports, so why are they harrassing me about a stranger 's debt? How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had a credit-builder account called self-builder it was paid on time and paid off. i closed it in XXXX, but for some reason, TransUnion is reporting it as adverse account which causes my score to drop. i call TransUnion to find out what's going on and the customer service woman I talked to couldn't give mean answer so I called self-builder and stated that my account is closed and paid and full. i always have problems with the way these credit bureaus are reporting inaccurate information 's which make it hard for me to buy a house, car or anything and seem like when i call the customer service reps are very incompetent and give me incorrect 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 explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX  they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Aldridge PIte Haan, LLP
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute transunion ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.

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 2020-05-07
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:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix 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 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 non-monetary relief
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NC
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:
Please know that I was not late on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix 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 non-monetary relief
Consumer complaint received 2019-05-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I used to bank with mt and moved so I closed my account I tried applying Online and failed the identity check I go to the branch I was treated horible and they refused to open me an account blaming XXXX and was told to call them I did and they said I dont have anything the bank is crazy and they treated me horible after being a loyal customer I dont understand why they treat me like this horible attitude the banker I spoke to treated me horible

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 2021-09-16
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a new credit card account with my credit union. I then tried to transfer a balance from a Line of Credit over to the new credit card balance. The credit union 's system allowed me to do this, but they did not in fact transfer anything. The instead added to my LOC the amount of I tried to transfer. So essentially I tried to transfer a balance of {$650.00} from account to another. The Credit Union simply added {$650.00} ontop of the XXXX, so now I apparently owe them over {$1200.00}. When contacting the credit union all they would say is I messed up its my fault I did things wrong. Now, all my balances are messed up and the credit union will be stealing over {$650.00} from me once I pay that balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please know that I was not late on XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX***, XXXX XXXX****, XXXX XXXX****, XXXX  XXXX****, XXXX XXXX XXXX**** I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix 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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As a consumer and resident 's of the state of Missouri, I will excercise my right to file suit against the credit reporting agency inwhom is reporting unverified and unauthorized accounts inwhich has no certified physical documentation attached to it, but instead is being verified by electronic means inwhich can not be accepted as proof. So I'm demanding either you provide me with certified signed documented physical Verification, or block these accounts within 72 hrs upon receiving this. Please block the following : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX {$940.00}, ( 3 ) XXXX XXXX {$1000.00}

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Misleading and inaccurate information or accounts appeared from my credit report also unauthorized inquiries from unknown sources.

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 2019-05-08
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I requested cancellation of PMI ( I called several times within the last 2 years to request but was told I was not allowed to request this ). This time I stated by law that I was allowed to request cancellation. I received my denial letter, but I have read the homeowners protection act, and I don't feel that legally they should be allowed to continue to force me to pay PMI. I was first time homebuyer, and I assumed that it would go away once I reached below 80 %. 

My home is valued at {$150000.00} by the county and my principal unpaid balance is {$59000.00}, and I have been below the 80 % for quite some time. I have looked into refinancing my home, but the interest rates have risen, and combined with closing costs, this would cost more than continuing to pay PMI for the life of the loan. 

Everyone I have spoken with regarding this had never heard of PMI for the life of the loan, and I feel this should have been disclosed to me at closing, but was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched internet and cable television providers and ended up having a final bill that was owed to XXXX XXXX XXXX. After transitioning to the new service provider and automating the payments for the new account the outstanding bill for XXXX XXXX XXXX was no longer set up for payment. 

I was not made aware of the outstanding balance until I recently began looking at my credit report for a home purchase that we're trying to make and it showed a collections account for {$91.00} from XXXX XXXX XXXX and is reporting negatively on my report. 

I contacted Diversified Consultant to see what was going on. I asked them if they could provide some proof of attempts to contact me regarding the debt but they were unwilling to help repeating there company line " it was an attempt to collect a debt and they could only take payment for the debt ''. I requested a supervisor asking them to please remove the reporting to the bureaus because they had not adequately done their due diligence in trying to collect the debt before hand. 

I am happy to resolve this but I am not happy about {$90.00} effecting my credit score and the arbitrary practices of XXXX XXXX XXXX and Diversified that are preventing me from securing the financial benefits that I need to help build my financial future. Please help anyway you can to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's 3 unknown addresses on my credit file inwhich are not mine. Please send my attached id for my correct and only address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: FC HoldCo LLC
State: TX
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:
The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!

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 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX and XXXX of 2018, I called one of my creditors which is Capital One.

I was trying to catch my payments up. And as much as I care about my credit. I called Capital one to ask them what will be the minimum payment I need to make before it goes into a 30 day late. For both months I called in, I asked the same question. And for each month they gave me a amount. I made those payments. Came XX/XX/2018, I realized when I go to check my credit, they had both XXXX and XXXX a 30 day late on my credit. I immediately started to contact them about that and told them that was incorrect. If I'm not mistaken, when I called the in one of the Reps told me that It was a different amount that was needed, and not what I paid. I told them I paid what was told to me that was needed to be paid. I asked them on several attempts to check for the recorded phone calls for both months. I've sent letters, over and over again in my defense and they refuse to check the the phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to recieve assistance from my mortgage company to save my house 4 different applications for assistance have all been denied because they said i ran out of time, but i was never contacted if anything was needed. I have a foreclosure pending and have sold this house closing is set for XX/XX/2020 I let me servicer know that i needed a payoff and they have sent over XXXX over what is due on the house adding all kinds of fees and such that i can't sell me house now because I can not afford to pay out of pocket. I have even asked them to modify the amount so i can sell and they sent me a letter increasing the amount making the sale impossible and now I will have to let the house foreclose. And I have to pull the house from the sale because I can not afford to pay out of pocket to close, nor relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
XXXX is currently reporting me to XXXX  credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. 

Called XXXX put in a dispute saying the debt is a duplicate account. 

XX/XX/2018 Notified by XXXX that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX   back to dispute again. 

Called XXXX back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
i lost my XXXX XXXX money orders contact the company XXXX XXXX they send me refunds checks for my lost mo i have never recieved my checks after investigating with XXXX XXXX help we find out that some one got hold of my cashier checks and cashed it in hsbc bank i never have a bank account with hsbc also the signatures on the back is not mine i send request to hsbc about this they never respond to me need to know how they deposit my checks when i dont have account with theme? there customer stold my checks and deposit it in there account they should see the name before depositing checks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. 
The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX   claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. 

I have called XXXX. XXXX  numerous times and they tell me someone will call me back but they never do.

Company response to consumer: Closed with non-monetary relief