BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through XXXX, and today I received an email that my payment is due to a company called XXXX XXXX. I have received no correspondence by phone, email, or in my loan document center through XXXX regarding any company called XXXX XXXX. I have attempted to contact XXXX XXXX since XXXX today, and as of XXXX ( EST ) I have not heard from them. I contacted XXXX, who reports that on XX/XX/XXXX they sent notice that my loan was being transferred to XXXX XXXX effective XXXX but that letter has not been received, is not in my loan documents section of their website, and is well short of the 15 day notice requirements. 

As a result, I am concerned that I'm going to be charged a hefty late fee and have it appear as non-payment on my credit report, given that my checking account automatically pays this bill directly to XXXX and will be past the " grace period '' by the time it is received at XXXX XXXX. 

I have been on hold with XXXX for 28 minutes now attempting to obtain a copy of this notification of transfer, and they are refusing to help me except to say " we can send another copy which will take at least 5-7 business for you to receive ''. I can not get in touch with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: OK
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 submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Equifax end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the Petitioner that states LVNV Funding had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and LVNV funding has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXXand explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX  XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order LVNV FUNDING LLC. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
One main financial calls multiple times a day after I explained what information I can get them. Im under duress and have explained this to them multiple times. I am currently out of work after being injured and have explained that I will get with my dr for a note on the XXXX. They continue to call constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Bliksum, LLC
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 status incorrect

Complaint:
A couple of years ago, I took out a loan with www.loanme.com. The original amount was around {$10000.00}. There was an early dispute. That dispute was fully resolved more than 2 years ago. Therefore, a reference to a dispute on my credit report is simply wrong. But the Company is still reporting that the item is in dispute, which is doing me serious harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. 

On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! 

This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. 

This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did paid off my mortgage loan XX/XX/2020 and the promis me reales lien on my prperty in 2 months, I did check my county property record and there is no realase, please see attached documents, thank you XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX LOAN XXXX SS XXXX XXXX XXXX Bankruptcy Account Specialist I | The Huntington National Bank XXXX Phone : XXXX | Fax : XXXX | XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.

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 2019-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE DISPUTED THESE ACCOUNTS WITH THE BUREAU AND THEY REFUSE TO REMOVE IT FORM MY FILE AND THEY REFUSE TO PROVIDE ME WITH DOCUMENTATION THAT THIS IS MY ACCOUNT. i HAVE BEEN BACK AND FORTH WITH LETTERS TO THE BUREAU AND TO THE COMPANY AND THEY REFUSE TO CORPORATE WITHIN THE LEGAL RIGHT UNDER THE FCRA LAWS. THEY HAVE TO PROVIDE ME WITH DOCUMENTATION WITH MY SIGNATURE ON IT AND THEY HAVEN'T SO I WANT IT DELETED OFF MY CREDIT PROFILE IMMEDIATELY. I HAVE DISPUTED WITH THESE ACCOUNTS XXXX XXXX XXXX {$850.00} AND XXXX XXXX XXXX XXXX {$800.00} WITH NO LUCK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Dynamic Recovery Solutions, LLC
State: GA
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 got a letter from Dynamic Recovery Solution LLC, the same collection agency that been harassing me for the last 9 years about a debt I do not owe. They have tried to put this on my credit report and I had it removed because of identity theft report I report my wallet stolen twice in Texas with other credit cards in them at the time. I started getting calls from this collection agency with threats in the morning at XXXX throughout the entire week and a significant amount of mail without my permission for last four years. I ask to be put on the do not contact list from this agency but they keep up persistently with the same attempts to collect a debt not owed. My account was closed by myself with XXXX XXXX XXXX 8 years ago and everything was paid off according to the account clerk in the bank but they some how keep selling my information which I did not authorized. I do not have a contract with the credit agency, XXXX XXXX XXXX, or the Dynamic Recovery Solution which has my social security number I gave them over the phone to find out if I owed the debt. They have been using my social illegally and I want this company to stop sending me mail and any further contact. Dynamic Solution does not have a contract with nor does the XXXX XXXX XXXX XXXX because the account was closed by myself not the creditor because of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: IL
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 WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.

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 2022-08-10
Company: EQUIFAX, INC.
State: NE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EQUIFAX, INC.
State: IA
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:
Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple letters were sent to this consumer who can not provide original, valid documentation regarding this debt. 

Letters were sent in XXXX and XX/XX/2018.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated mu federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-18
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called lending club multiple times asking for a statement payoff because I'm closing on my property. I need it to payoff my account. My credit shows 30 days late, I never got phone call, or billing statement. I am visually and hearing impaired. I asked for XXXX accommodation multiple and staff is always rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: MI
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 called to XXXX XXXX XXXX XXXX and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and XXXX XXXXXXXX doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!

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 2021-08-17
Company: CL Holdings LLC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: P&B Capital Group, LLC
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:
Discovered this account on my credit report. I have never done business with this company or the company they are allegedly collecting for. I never received any type of communication from them. This account just popped up on my credit report. I sent a debt validation letter. I never received a response to my letter. It has been well over 60 days. How am I supposed to rectify the account if I don't know what it is? I want this account removed immediately from my credit report.

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