BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly a collection of {$670.00} on XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is a {$0.00} balance due. Therefore, there is nothing to collect and nothing to report as a collection. XXXX has removed this line item from my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: GA
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:
Hard Inquires: XXXX  XXXX  XX/XX/XXXX      XXXX  XXXX  XX/XX/XXXX   XXXX  XXXX  XX/XX/XXXX

XXXX  XX/XX/XXXX



Collections: Collection/chargeoff,  Acct #XXXX****  Derogatory /negative account
XXXX XXXXll   Acct #XXXX****  collection/chargeoff   (status) paid, negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I cashed a check with them and it was returned to them as unpaid. I told them I do not have the money available to satisfy the whole amount owed. This company has been repeatedly calling me while I am at work and when I asked them to stop I was told if I do not come in by Friday to pay they will call the police and have me arrested and sent to jail for a felony and have to pay them more money than what is currently owed. I did not know the check that was cashed by them was not good and am willing to make them whole but I need more time and not to have my employment jepordised. They have also been calling my friends looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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:
XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer 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 2021-10-22
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my mortgage was sold to PHH mortgage from another lender. While I understand this is a common process, I was told on XX/XX/2021 that I was going to be charged a servicing fee of XXXX for online payments. Given I wasn't originally charged this fee from my other servicer this seems like consumers holding the bag for business transactions. I had no interest in playing fees on something that they can't provide a clear explainable reason as to why those fees are necessary for online payments. They said those fees would disappear if I opted in to autopay or if I went paperless. This is a blatant disregard of consumer fairness in a process I am completely unable to play a part in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2019, I had called TransUnion, XXXX, and XXXX  to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2021-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XX/XX/XXXX Closed amount {$1200.00} XXXX. 
XX/XX/XXXX Closed amount {$150.00} Capital one bank USA N XX/XX/XXXX Closed amount {$480.00} Capital one bank USA N XX/XX/XXXX Closed amount {$460.00} I am a victim of a fraud and I only have XXXX  XXXX XXXX  and XXXX XXXX card and XXXX XXXX as my cellphone carrier nothing else All three of my scores should be in the 800s XXXX  XXXX  and XXXX  right now and they are reporting and updating my scores wrong 1 by 1 score and I am not happy about this!!!! Please fix my request thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I did not sign a contract for the and or give permission for the third part debt collector to contact me nor have my personal Information. ( No one is allowed to have or purchase your information without your consent. This is an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
Concerning Chase Bank and a fraud dispute with XXXX. On XX/XX/2021 I received an email from XXXX saying my order was on the way. I immediately contacted them via email as it was XXXX at night and told them I didn't order anything, it was fraud. See screen shot of email I sent and reply. The following morning I called both XXXX and Chase, cancelled my cc and received a new one in time, filed a fraud ticket. I was told by XXXX not to worry, if I did receive the items to keep or donate them as that was their policy. I donated them. The amount of XXXX was removed from my cc on XXXX and then put back on the same day. It is still on my bill. I received a letter from Chase saying they determined it a valid transaction. I have called both companies many times, XXXX claims that because of the banks determination they can not deposit it back into my account on their end even though they admit it was fraud. I have reopened fraud investigation with the bank 4 times now with the same result each time, a letter weeks later saying it's a valid transaction. On XX/XX/XXXX I called Chase, was transferred to 11 different departments including fraud twice, ended up at Recovery and was able to have a conference call with both Chase, XXXX, and myself. Once again XXXX said directly to the bank representative that this was fraud, but because the bank determined it to be a valid transaction they were unable to deposit the money back into my account as that was their policy. I was told they would send me a check in the amount of XXXX. The bank representative promised me that he would notify fraud, and I wouldn't be charged extra fees on the amount. I never received the check and called XXXX again only to be told that they could not send the check either due to the banks determination that this was a valid transaction. In the meantime I received another letter from Chase saying this was a valid transaction. I have been told by XXXX that I need to contact the bank, the problem is I've done this many times with the same result each time, despite the conference call which I'm sure is recorded. I need your help with this as each time I get a different person, different answer, and no results. I have filed with the XXXX  re XXXX and have included the email from XXXX re : the bank. I believe that Chase needs to reverse their decision that it was NOT a valid transaction especially as they have been told by XXXX that is was fraud. I have selected the most recent communication with Chase and XXXX, I have previously sent many screen shots to Chase 's fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: National Collection Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is a follow up complaint response to your recent claim # XXXX. I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? 

You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX  and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: GATEWAY FIRST BANK
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: Account information incorrect

Complaint:
Gateway Mortgage is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: MD
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 have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: PR
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:
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in Experian in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.

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 2017-12-27
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to. 

I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of. 

Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day. 

I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle. 

On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ). 

OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person. 

Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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 is missing that should be on the report

Complaint:
I have 3 - Tuition Answer loans with XXXX. All loans are reported correctly with the other credit reporting agencies, except to TransUnion, only 1 of the 3 loans are reported on my TransUnion credit report. I have contacted TransUnion by phone who insists it is up to XXXX to report the loans. I have contacted XXXX through disputes and phone calls, who insists TransUnion has to change this on my credit report. Both of these loans missing from my credit report have outstanding balances which I make payment on every month. 

My TransUnion Credit report is not reporting 2 of my 3 Navient loans which are in good standing, one of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. 

Please help! 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So I moved my cell phone carrier from XXXX to XXXX in late XXXX of 2018. I called XXXX account representative asking to settle my final bill and any additional costs regarding my phone and contract, according to them at the XXXX XXXX at their corporate office, I owed nothing on my phone, ( paid off ). I made several last payments to them during XXXX.-XXXX. 2018 with a total of approximately {$160.00}. Approximately 2 months later after I had been told that my payments were all done I received a letter from a credit agency telling me I owe XXXX {$190.00} in a final bill. The lady at the credit agency told me today that this bill is for additional costs after I traded in my old phone and switched carriers. This credit agency has also been threatening my credit score. I am a single parent who is looking for a job. I can not and shouldnt have to pay an amount that I have an email verification from XXXX telling me I was free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was put into collections by XXXX in error. The collection company contacted me in regards to the {$100.00} debt. I explained that I currently have XXXX as a servicer, and current with my bill for years. How could I possibly be in collections, especially with a current account. I was told by the collection company to contact XXXX directly. This is where my situation turned from bad to worse. I have contacted XXXX on 3 separate occasions, and was transferred to the fraud department. Calls have been dropped, or I'm on hold for long periods of time, and the call is dropped. All I want is an explanation of this collections status placed on my credit about 4 months ago, and how to remove it from my credit report. A {$100.00} debt not mine is not a lot of money, but the fact that it was placed on my credit, which brought down my credit rating is wrong, and unjustified. This is affecting my financial situation. Please help me, with XXXX to remove this incorrect standing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation