BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like this?

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 2019-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates is illegally re aging an account which I have disputed and do not claim ownership of on my XXXX Credit Report in violation of FCRA Section 623 ( 5 ) (  A ). They have not validated any of my disputes yet on my XXXX Credit Report it shows an collection account as " current ''. 

They have never validated the alleged debt of which I disputed twice, not provided who the alleged Original Creditor was, nor have provided a history of activity on that account to validate the status. 

It appears on XX/XX/2016 on my XXXX credit report was the date this disputed account was opened. However at no time has the disputed account been validated, nor has the status as " current '' been validated with evidence of any activity from me. 

I am requesting that Portfolio Recovery Associates validate the information including providing who the alleged Original Creditor was and provide information validating the information under the FCRA. 

If they can not validate the information then I am requesting deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The vendor XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XXXX XXXX XXXX  ( XXXX ) IS REPORTING AN UNPAID DEBT TO MY XXXX CREDIT REPORT. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND THIS DEBT DOES NOT BELONG TO ME!!!! SEE ATTACHMENT TO REVIEW ALL DOCUMENTS PROVIDED. 

THEY REPEATEDLY STATED MY DEBT IS VERIFIED BECAUSE MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER MATCHES THEIR SYSTEM. I'VE ASKED FOR SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM, PROVING THE DEBT IS MINE AND THEY STILL FAILED TO DO SO.

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 2018-02-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and  allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.

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 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Transfered money to a fraudulent account withtout knowing. bank of america won't protect me and do the right thing and give me my money back

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 2019-08-16
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On several occasions Ive called this company about them reporting this account on my credit files. The account does not belong to me and my name has been falsely used for the account. The company sold it to a new company and now they both are repointing on all three of my credit files. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
End of XX/XX/2019 I applied for an American Express card to do a balance transfer. The first balance transfer was for XXXX from my XXXX credit card. The second amount i transferred was XXXX from my XXXX XXXX card, because the interest is so high. I get a letter on XX/XX/2019 saying my balance transfer was a success and the letter showed to whom the balance transfers were made. As I was looking over the letter i noticed they sent the XXXX to a XXXX XXXX and not my XXXX XXXX card. I do not have a credit card from XXXX XXXX. And to top it off the XXXX that i wanted to be transferred from my XXXX XXXX is still on my XXXX XXXX card. I called them and they said that yes they did in fact make a mistake and it would be taken care of and would show on my next statement which would of been XX/XX/2019. Well it wasn't. I have made 3 more phone calls to them and the XXXX is still on my.statement.I contacted the XXXX XXXX XXXX  and I received a letter from American Express saying the transfers were made correctly and they requested this money back from XXXX XXXX but it can take up to 180 days. What?? Not only is the XXXX on the American express card statement but I also have the XXXX that was supposed to be transferred from my XXXX XXXX card is still there. This amount on the American Express card is showing up on my credit report and i keep getting a bill for this amount. i am not paying this amount and it is going to ruin my credit and everything else. I am going to be charged interest and probably start getting calls they want this money. Please help? They are not trying to rectify this mistake that was made by them. i canceled this card on XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06
Company: J.S Resolution Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact XXXX XXXX XXXX regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact XXXX XXXX XXXX. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX, I'm assuming is XXXX XXXX XXXX contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist mailed XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-26
Company: OLIPHANT FINANCIAL, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my wells fargo account was fraudently used in california and i live in florida i filed a dispute with wells fargo and they told me charges were valid this is crazy basically i lost a XXXX $ and they dont seem to care

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 2020-11-18
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from XXXX was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with XXXX re-reported illegally and damaged my credit scores. 

I disputed the account first with XXXX and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and equifax when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and Equifax and it was deleted from XXXX XXXX in XX/XX/XXXX. 

Equifax has been the most difficult in not responding to my disputes. They updated the balance to XXXX  and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with Equifax online and I need to get this correct in 30 or less releastically immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having trouble viewing my information on Experian for the past few days. When logging into the website, I get an error message stating the password is incorrect. After changing it then logging in a few days later with the new password I get the error message again. I'm unable to get in touch with anyone from customer service and hearing that other consumers are having the same issue, I'm beginning to think Experian has been hacked. I appreciate you looking into this matter. 

Thank you

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