BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refuses to reinvestigate an account that can not be validated. They did an investigation XXXX 2013 and will not respond to a further investigation. XXXX placed a collection on my report which they can not validate and I have disputed numerous times to remove. I never opened a XXXX account, there is no payment history, no historical information, charge off statements, dates to validate any of the information, letters of dispute or collection, authorized user information, original terms and conditions of the account with original application and signature, yet monthly the account is updated as valid and late. This is in violation of the CFPB consent order XXXX with XXXX and the reporting requirements of FDCPA and CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Resurgent Capital Services L.P.
State: NJ
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 accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

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

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX a check from my account was made for {$250.00} made payable to XXXX XXXX XXXXXXXX XXXX, Transaction # XXXX, Check # XXXX, and the arrival date of the check was XX/XX/XXXX. Today is XX/XX/XXXX and I received a statement from XXXX XXXX XXXX that they did not receive my {$250.00} payment. I immediately looked at my Chase account and found that this {$250.00} check was mistakenly sent to XXXX XXXX XXXX XXXX. Today I went to my Chase Bank in XXXX, TX to get a copy of the check for proof of receipt and was told that too much time had gone by to get a copy of the check to XXXX  so they could refund the {$250.00} to me. The AVP at my bank called " the back office '' and was told they couldn't help her find a copy of the check because too much time had passed since XX/XX/XXXX. My AVP told me that she would call the complaint office so they could call me to discuss the issue. In the interim I need to get my {$250.00} refunded back to me so I can pay XXXX XXXX XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing 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 explanation
Consumer complaint received 2015-07-13
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
ON ABOUT XX/XX/XXXX WE WENT TO A LOAN CO THAT ADVERTISED THE LOWEST INTEREST SO WE CALLED AND TALKED TO A LADY THAT SAID WITH AN XXXX CREDIT SCORE WE COULD NOT BE TURNED DOWN.AFTER WE FILLED OUT ROWS OF PAPER WE CALLED THE CREDIT BURROW OF SOMEWERE IN XXXX ALTHOUGHT THE LOAN WAS IN XXXX., THE CREDIT XXXX TOLD US THEY HAD OVER XXXX COMPLANTS AGAINST THE LOAN CO. BUT FOR FOR A LARGE COMPANY LIKE LOAN DEPOT THAT WASOK.THE WEEK AFTER THE LOAN WITH THE LOAN CO. AND THE V.A. LOAN DEPOT SAID THE LOAN WAS APPROVED.A FEW DAYS LATER THE LOAN CO. SAID THE LOAN HAD BEEN REVERSTED, WE WERE GOING TO ANOTHER BUT LIKE XXXX DUM- DUM WE USED THEM BECAUSE THEY SAID THEY WOULD GET IT FOR US, SO WE AGREED.IT WAS XXXX BEFORE THEY SAID IT WAS APPROVED EVEN AFTER THAT THEY KEPT CHECKING OUR CREDIT AND ASKING US WERE THE GOT THE MONEY EACH TIME WE WENT TO DEPOIT A CHECK AND WE WOULD HAVE TO GET THE CHECK AND WE WOULD HAVE TO FIND A REASON.WHENWE HAD THE CLOSEING THE MAN DELIVERED THE PAPER WORK AT ABOUT XXXX IT CONTANED OVER XXXX PAGES OF THINGS TO SIGN, IT WAS SO MANY PAGES THAT THE MAN WHOBROUGHT IT OVER SAID HE HAD NEVER AFTER 3O YEARS SEEN THAT MANY PAGES TO SIGN, IT TOO OVER XXXX HOURS TO SIGN THE PAPER WORK.THEN BEFORE THE MONEY WAS SENT THE LADY FROM LOAN DEPOT ASK ME IF I HAD REALLY BE IN THE XXXX AFTER SHOWING ALL MY PAPERS.XXXX CHARGED US SO MUCHCLOSING COST WE COULD NOT BELEAVE IT, IT WAS ONE THING AFTER THE OTHER AND EVEN A LATE THAT THEY ENCURD ON FILLING SOMTHING LATE. MY WIFE DOS N'T WANT METO FILL THIS BECAUSE SEE THINKS THEY MIGHT TAKE ACTION AGAINST BUT I CALLED THE VETERANS ADMINATION AND WAS TOLD IF THEY DO TO LET THEM KNOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: WI
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:
They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great score.

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 2016-11-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo reported to XXXX that my mortgage was foreclosed on in 2014, But it was not foreclosed on. I am trying to close on a house and this has stopped my closing as i ca n't get a mortgage with this error on my credit report. They have aknowledged that this is an error and they would send a letter correcting this to me for closing and XXXX to correct the error. The letter never came and they say they are sending it over and it is thier system but it does not come

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 2021-06-22
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
AES students loans was paid since 2014, the AES, tranfered to citizens bank, as I file a complaint to citizens bank, and they lower it {$9000.00}, they told me, the citizens bank, will contact, the AES, so they will removed the report in the credit report, I can not afford to pay the credit repair company, Im XXXX, XXXX, did not to there part, there case number before here in XXXX was XXXX. I did called XXXX XXXX, but he told me to sent the copies of the credit report, they should do this long time ago, after they cashed the payment of the said student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Evergreen Acquistions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Phoenix Financial Services LLC
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the XXXX a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.

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 2015-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 've had XXXX different fico scores for the past XXXX months from XXXX differentcompanies. 
XXXX ( via XXXX card ) = XXXX, XXXX ( via auto dealer ) = XXXX, Equifax ( via XXXX ) = XXXXI was denied credit from the XXXX due to my fico scorechecked by them. I 'm a XXXX in need of a used car and ca n't get itbecause of my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: M&T BANK CORPORATION
State: KY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Frivolous debt collection attempt against me and co defendants. 

Facts of the case : Alleged loan # XXXX. Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX 1. Originator of the alleged loan admitted that it did not lent money. Table funded loan. Fraud in inducement. Predatory and Fraudulent lending. No consummation of the loan happened. RESPA violation. 

2. No assignment to the Trust is legally possible. 

3. Wilmington Trust misrepresented the character, amount, and legal status of a debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). Wilmington Trust violated the Federal Debt Collections Practices Act. 

4. On the XX/XX/2015 note maker notified Wilmington Trust N.A. by Truth in Lending Rescission Notice. Wilmington Trust refused to fulfill the obligations under regulation " Z ''. See 1026.23 Right of rescission. By operation of law on XX/XX/2015 the Note and a Mortgage become void. See : ( XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX ( XX/XX/2015 ). Continuation of attempt to collect on void instruments constitutes Statutory TILA violations. No standing. 

5 Attempt to collect on discharged debt. FDCPA violations. ( Violation of the Bankruptcy law ) 6. Violation of constitutional rights.

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 2017-02-02
Company: MEI AUTO FINANCE INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received in the mail today a 2016, XXXX from this company. On the XXXX they fraudulently identified this debt on Line XXXX as " XXXX '' when it should have been listed as " XXXX '' for Bankruptcy. This company is very aware of my Chapter XXXX bankruptcy discharged in XXXX 2016. They have received multiple correspondence of this bankruptcy since XXXX 2016. They intent is to deceive the IRS in order to write off this discharged debt that they know is not taxable by federal law. In addition, they have fraudulently notated this debt to the IRS so I can be held liable for this debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief