BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: NY
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:
In XXXX Equivax mistakenly removed my XXXX XXXX XXXX credit card from my report because they lumped it in with an actual dispute I NEVER intended XXXX XXXX to be removed now it was put back on and eqiufax will not respond to XXXX XXXX ... that the dispute was a mistake and withdrawn ... so XXXX XXXX can not reopen the account the letter was sent from XXXX XXXX to them on XXXX PLEASE help when I call equifax they say I fail the inf to verify its me that is CRAZY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   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 2017-05-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed up fo r Automatic payme nt on my loans as soon as I could. Initially the payments were about {$330.00}, but then I paid of f one of   the loans so the monthly amt. due was {$270.00}.     I had been paying extra on my student loans for abo ut 2-3 years . I noticed first in   XX/XX/XXXX   that something did n't seem right when I signed into my account. It was stating that the due date for next payment was no t  XX/XX/XXXX , but  XX/XX/XXXX , and  XX/XX/XXXX  for most of them. ( screen shot attached ) I called Navient to f  igure ou t what was going on, but do n't believe I got a clear answer, but simply was told the system is just adjusting to my extra payments. I had called periodically because I kept seeing that my monthly payments were being split and not getting applied to the month it was due. I was constantly assured that it must have been a system error and it was all being applied correctly.   *They have to have phone call recording records of all my calls I was work ing   XXXX   jobs and kept making extra paym ents.     The next screen shot I took was from   XX/XX/XXXX , which  again stated that my due dates  were 3-6 mo nths out beyond the statement.   Then  a  XX/XX/XXXX  sc reen shows that my monthly payment was being applied in ha  lf. One for the month due, and one half for the following month.
I called Navient    :  XX/XX/XXXX  I was  told that all my extra payments were being applied to " future '' payments. Therefore, not going to my principle, and therefore not reducing my interest!!! The Navient rep stated that I was to Call In, or Send in a Money Order or Check with a LETTER stating I wanted the extra payments to go toward my principle I was VERY stern with the rep and told her I wanted ALL previous extra payments to be applied correctly and to my Principle.       XX/XX/XXXX  I h ave been monitoring and taking screenshots since and the results : my monthly automatic payment was applied incorrectly again, half being pai  d in  XX/XX/XXXX , and half in  XX/XX/XXXX .
 XX/XX/XXXX  Monthly payment split again! ( screen shot attached )  XX/XX/XXXX  I got an email summarizing my payment due  XX/XX/XXXX  w  as  XXXX  but the monthly that is suppose to AUTOMATICALLY be applied each month is {$270.00 }  XX/XX/XXXX  Same err or with due date  s 3-9 months in advance.
I do n't know what else to do. I am so frustrated and I know this is Wrong. I put myself through college and worked  XXXX  jobs to make extra payments. I know this is wrong. I know Navient applie  d all my extra payments to " future '' in order to keep racking up my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Alliance One, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a collection letter from Alliance One on XXXX/XXXX/2015 dated XXXX/XXXX/2015 attempting to collect an incorrect amount of {$6.00} with additional fees of {$6.00} for a debt from the XXXX program that is not due until XXXX/XXXX/2015 dated XXXX/XXXX/2015 in the amount of {$4.00}. This debt collection is attempting to collect when the bill is not even due. And XXXX letter threatens to issue a traffic citation if not paid. IT IS ILLEGAL TO USE AGENCIES TO COLLECT DEBTS AS PAST DUE WHEN THEY ARE NOT DUE! XXXX DAYS IS NOT ADEQUATE NOTICE FOR ANYONE TO PAY! 

I am absolutely ticked off enough to never travel to Florida again over a {$4.00} toll where the state is too cheap to have toll booths with people collecting {$1.00} to use the road.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: FISERV INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Our corporate checking account, which has been set up on auto-pay for several years, started being rejected in XXXX of XXXX. After several months of our vendor blaming our bank, they finally told me last week that Telecheck is declining our checks and advised me to call them to find out why. I called Telecheck on XX/XX/XXXX and was told that : our " checks '' were declined because they had not handled checks from us before ; then when I listed dates that they had been accepted, our checks were declined because they were a different amount than before and did not fall within the guidelines set by Telecheck. The representative then assured me that she had " fixed '' whatever their information is for us so that our payments would stop being declined. On XX/XX/XXXX, we had another payment declined. Today, on XX/XX/XXXX, when I called Telecheck again another representative told me that it was probably because it hadn't been 72 hours so I should try again today ; and our payment was rejected again. The vendor that we are trying to pay is charging us {$30.00} every time our echecks are declined. Furthermore, the last representative that I spoke with from Telecheck transferred me to a debt collection company when I asked to speak to someone who could actually fix whatever the issue is. At this point we have had payments accepted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then declined XX/XX/XXXX, accepted XX/XX/XXXX and XX/XX/XXXX, then declined XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the summer of 2021 I began seeking properties to purchase with XXXX, XXXX XXXX. With XXXX 's help, was able to find a suitable property and began the purchase process to include spending {$250.00} on a property inspection. Sadly, another bidder secured the property and it was sold to them. Luckily another property became available and once again started the purchase process to include another {$250.00} inspection using the same inspector. 

Throughout this time, I worked with Mortgage lender, XXXX XXXX who worked at Guild Mortgage in XXXX, Colorado. I was assured by the time I had requested the first {$250.00} inspection on the first property that I was pre-approved and just had gather documents, provide XXXX money, etc. I provided XXXX in the amount of {$2000.00} certified funds for both properties we had settled on. 

I believed whole-heartedly that I had finally, at age XXXX, been able to become a homowner only to find out from XXXX XXXX XXXX XX/XX/2021 that he had submitted my loan for underwriting and they had declined my application for the following reason : That during the Covid-19 pandemic, I was unemployed for 6 months plus 21 days and that was not acceptable to the lender for some reason. 

My complaint surrounds the fact that I was assured I was approved LONG before I spent {$500.00} on property inspections. 

Furthermore, it was a pandemic and many people were out of work much longer than 6 months and feel I am being singled out in this manner. There must be some caveat surrounding that 6 month rule pertaining to the pandemic and I request a review of my application and file with Guild Mortgage. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: DISCOVER BANK
State: IL
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:
On XX/XX/XXXX I called Discover Card to dispute a {$11.00} charge on ( XX/XX/XXXX ) XXXX for the item I purchased on XXXX but the item never arrived. The seller refused to communicate. 
After dialing the number I got an automated system which demanded the amount, date and the item and after providing me with this info I was put on over 10 min hold in order to get to the CSR. I was then told that this is not a right dept and I was told that despite inputting the dispute info into the system, the system is designed to be first routed to a regular customer service to first and foremost vet the disputes ( ie, make it hard to go forward ). Subsequently I requested to speak with the supervisor but was then told that none is available. I was then directed to the billing dept which again decided not to process the dispute so I requested to speak to the supervisor. The CSR transferred me to the supervisor line ( while I was holding ) and the automated system was giving automated instructions to the CSR agent how to handle the call. At the 29 min the call was disconnected without me speaking to the supervisor or finalizing the dispute. 
It is obvious that Discover is not willing/unable to process the transaction disputes for a valid reason such as non receipt of the item while involving customers in a long and protracted system meant on wasting customer time. Under the legal framework Discover is obligated to execute a dispute, pure and simple and do so within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, a request for a loan modification was submitted by a HUD approved counseling agency to Dovenmuehle Mortgage on behalf of XXXX XXXX XXXX. The file was submitted with all required documents per servicer 's check list. On XXXX XXXX, housing counselor contacted Dovenmuehle to review file and was told they did n't have it. Resubmitted file. On XXXX XXXX, 2015, borrower received missing items letter. Housing counselor collected all required documents and submitted to Dovenmuehle on XXXX XXXX, 2015. Called Dovenmuehle on XXXX XXXX, 2015 and was told file was in review. Called Dovenmuehle on XXXX XXXX, 2015 to speak with SPOC, XXXX XXXX. She acknowledged receipt of documents but requested additional items ; namely, 1 ) a bank statement for an account that did n't belong to the borrower, XXXX months of bank statements and a profit & loss statement but borrowers had provided a letter saying they were no longer delivering newspapers ( self-employment ). Had clients write another letter and submitted to Dovenmuehle. Called Dovenmuehle and spoke with a XXXX on XXXX XXXX, 2015 and was told they needed more documents. In addition to the list, he suggested borrowers continuously submit pay stubs and bank statements until there is a resolution. Housing counselor, XXXX XXXX, contacted the investor, New Hampshire Housing Finance Authority on XXXX XXXX, 2015 to discuss the servicing of the loss mitigation file and requesting NHHFA to get involved. At this same time, borrowers received notification Servicer had determined the house was vacant and were planning to secure it and keep the keys. Borrowers are temporarily out of the home due to a fire caused by XXXX XXXX while installing a XXXX. XXXX assisted with this matter and the home will not be secured. On XXXX XXXX, 2015, housing counselor received an email from Dovenmuehle asking for more documents. Sent request to borrower and decided it was time to file a complaint. While NHHFA does not have to comply with CFPB regulations being a housing authority, we believe Dovenmuehle does have to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Opportunity Financial, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please CFPB, send attached documents to Opportunity Finacial and XXXX credit bureau. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Report Act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.

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