BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Ditech Financial LLC
State: MA
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 apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with Ditech. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called Ditech and they told me to make a payment to Ditech and they would forward the payment over to the new company. Ditech never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by Ditech. I would like Ditech to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Debt Recovery Solutions, LLC
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/2021 apparently when this occurred in XXXX, FL where i am not a resident of charged my credit report with a collection to the following company DEBT RECOVERY SOLUTIONS / XXXX XXXX XXXX XXXX XXXX / XXXX, NY XXXX. This in FACT was a ambulance ride for my XXXX y/o father being taken to a XXXX XXXX. I, in FACT, is not and never will be a Veteran in this country because I cant even establish credit on my name because this is the seconded time this happened. I was at work as scheduled on XX/XX/2021, if payroll is not literal fact then what is? I am sure there is a significant level of fraud in XXXX XXXX FIRE AND RESCUE. Now XXXX is saying my dispute is baseless because this information is correct, but when the ambulance went to pick my father up, they had my information and to my brothers knowledge did not correct it when told. Please help me so I don't have to resort to a new normal this Country expects of the discouraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CL Holdings LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-01-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Something called " Pay over Time '' was added to my American Express Green Card. 

I did not know what this was, although I took advantage of it. I inquired about it but never heard back until several months later when I got the attached letter on XXXX XXXX, XXXX. 

The letter states that due to " technical error '' I was not sent a welcome letter and that " we've applied a 0 % APR for the life of the balance to any charges that were added to your Pay Over Time select feature balance before XX/XX/XXXX. '' Simply put, this was not done. 

I have called American Express three times to resolve this issue, however, each time they stated they would get back to me within a short period of time only to have this period pass. I was informed at one point this would apply only to new charges, which is not what the letter indicates. 

On my third call, one representative queried me about the real source of the letter. I read it to her and she concurred it was authentic, promised to get back to me, but I have not heard from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau. 

Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-08-20
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
On XX/XX/2021 I drove to my local PenFed Credit Union in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact XXXX  to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an PenFed employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to PenFed to ask that this inquiry be removed! However, it seems to be more difficult than I expect.

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 2019-05-13
Company: Sarma
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized hard inquiries. I did not authorize for these companies to pull my credit. I am demanding that these unauthorized inquiries be removed from my credit reports w/ all three major repositories. If these companies refuse and state that I did authorize this, I demand for an application w/ my wet signature be sent via mail to me. If these companies can not provide this info I ( once again ) demand that these unauthorized inquiries be removed from my credit reports. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018 ( I told the sales counselor not to pull my report because I had gotten approved already from a financial institution ) SARMA- Pulled XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report.

I would really appreciate your help with this matter. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had submitted a previous complaint regarding the servicing company, on my mortgage, not reflecting payments that had been made which is affecting my credit history, credit score and the balance on my mortgage. ( as there are late charges and interest continuing to accrue ) The company did respond to the CFPB inquiry and sent a  copy to me. I responded to their request on XX/XX/2019 with copies of all of the checks that they had requested to verify that I was NOT behind on the mortgage and the account, as well as, my credit report should be corrected. As of today, XX/XX/XXXX, I am still getting calls from the servicing company stating that I am STILL behind and when I ask to speak to a supervisor I am told that they show that I sent " something '' into them but do not know what it was that I sent. Now ... .another year of interest, late charges, late payments, etc have been added to my account that shouldn't have been.

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 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. 
I did not Authorize to make this. 

XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.

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 2021-03-24
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This event started began when I attempted to transfer money from my cash app account to my bank account. As near as i can figure my account was hacked and this transaction was taken over by a 3rd party who interfered with it and sent me through a number of money transfers that they said was necessary to verify my identity. The amount to be transferred was XXXX, however the documents that will be attached to this complaint will show that there were many transfers that left with XXXX that was not put back into my account. 
The event began on Friday the XXXX of XXXX and went on over the weekend until the XXXX of XXXX when my suspicions were verified when I discovered CFPB website that described an incident very similar to mine with Cash app and a subsidiary of Square Inc . 
I also have text messages from the two people who were a part of this " scam " XXXX and XXXX that outline their involvement with these transactions. 
I attempted to contact Square inc from the app for support but did not hear back from them until several days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 I drove to my local XXXX XXXX XXXX in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact Equifax to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an XXXX  employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to XXXX to ask that this inquiry be removed! However, it seems to be more difficult than I expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS RIDICULOUS!!! I am unfamiliar with this account! Why is it being reported on my credit report? I'm looking for verification of this account! No contract exists between me and this account. I will sue you for the anxiety you have caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Google Compare Credit Cards Inc.
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
" Google '' withdrew on XX/XX/2020, {$150.00}, and again on XX/XX/2020 another {$120.00}, and {$180.00}, on the same day totaling {$450.00} in the three different withdraws. No purchase was made, or authorized. Google was contacted online, and a claim was submitted. Claim ID # XXXX was said to be investigated, but their only response was that the claim could not be verified, and to check with family members to see if they had made the purchase. No one else in my household, so I would have been the one to do the purchase. I asked " online '', what it was that I purchased, but there has been no response to my request. Nowhere has been an explanation of my purchase, or what it was for. On the Google website, I was able to view my past purchases, and was shown that I have no prior purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with HARVARD COLL plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? 

I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. 

IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?

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