BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXXXXXX  for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began  receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$2300.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, TransUnion or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

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 2022-01-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I PURCHASED A COPY OF MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX. THIS REPORT SHOWED SEVERAL ERRORS ON MY REPORT AS WELL AS INCORRECT AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT. I SUBMITTED SEVERAL LETTERS TO THE CREDIT BUREAUS IN AN ATTEMPT TO CORRECT THE ERRORS. THE CREDIT BUREAUS HAVE YET TO CORRECT THESE ERRORS. THEY ARE NOT EVEN INVESTIGATING MY CHALLENGES TO THESE ERRORS. THEY ALWAYS COME BACK VERIFIED BUT IF I AS A CONSUMER CAN SEE THE ERRORS HOW CAN THEY NOT? 
EXPERIAN 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 non-monetary relief
Consumer complaint received 2016-03-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I am a victim of identity theft

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 2017-03-29
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contact the creditor numerous times that the debt is not mine. The creditor has not validated the account but yet still placed the account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I used to live at XXXX place at XXXX gave them notice no time also asked them to walk throw the apartment apartment manager told me every thing is ok but after 3 month i got phone call from HUNTER WAR FIELD telling me i owe XXXX which is not true call apartment corporate office talk to corporate office told me if i paid this amount she is going to pull out from collection as soon as convocation end on XXXX, XXXX, 2017 paid this full amount now its show on my credit report collection on my XXXX and XXXX report. Apartment office never send me any bill but without knowing send to the collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Admin Recovery, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Below are at minimum the FDCPA violations Admin Recovery , LLC has done : XXXX. Harassment or abuse [ XXXX XXXX XXXX ] - see details above regarding interaction with Admin Recovery , LLC employee XXXX. False or misleading representations [ XXXX XXXX XXXX they led my brother to believe they were an attorney. 
XXXX. Validation of debts [ XXXX XXXX XXXX ] - I have not received any written notice from Admin Recovery, LLCPlease see attached detail. They were threatening, harassing and abusive in their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Issue with : AmeriHome Mortgage Company , LLC XXXX XXXX. XXXX XXXX XXXX, NJ XXXX I have attempted with no success to address this with customer service ; I have only received promise of a return call that has not come. The following is a timeline outlining the issue : XX/XX/XXXX spoke to customer service rep re : having received a delinquent tax bill ; was advised to send the bill to XXXX XX/XX/XXXX sent email with attached bill XX/XX/XXXX received confirmation of receipt of email XX/XX/XXXX received more detailed response stating request will be processed in 3-5 business days and that If we are at fault for this late disbursement, any penalty or interest assessed will be paid from a corporate account and not the escrow account. 

XX/XX/XXXX received email with subject line Taxes Paid stating payment was sent from my escrow. Email stated 2 disbursements, one for County Tax Disbursement in the amount of XXXX ( the correct tax amount ) and one for City, Utility Disbursement in the amount of XXXX. There was no explanation as to the latter Utility Disbursement. This amount did not show on the tax bill. 

XX/XX/XXXX called customer service ; rep could not explain what the Utility Disbursement was ; stated he was submitting a request and that someone would call me back. He stated it was impossible for me to be connected directly via phone to anyone that could assist. My only option was to wait for a return call. This call has not come. 

XX/XX/XXXX contacted City of XXXX Treasurer XXXX XXXX ; he explained to me that, as of today ( XX/XX/XXXX ) payment has not been received. He also stated that when he calculated penalty and interest now due on the base tax amount, it equals exactly XXXX. 

It appears as though Amerihome is trying to camouflage penalties and interest that are their responsibility ( for having not remitted my real estate tax payment on time ) as a Utility Disbursement to illegally pay said penalties and interest from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
At most, this is some type of debt collection scam, at the very least a massive violation of the Fair Debt Collections Practices Act. This company just called me insinuating that they were a government agency. " XXXX XXXX '' told me that " this is concerning a legal case that is being filed against you '', but would n't tell me what this was in reference to. Then he mentioned that there were, charges being brought against me for falsifying information provided to banks, implied that there were criminal proceedings against me, and that they were going to have the IRS audit me. The guy would n't let me get a word in and when I pressed him exactly what this was about. He did n't disclose that it was an attempt to collect a debt, and did n't really tell me that it was concerning debt in the first place. Nonetheless, when I offered to XXXXway my attorney into the call he said for my attorney to call him. When I asked what this was in reference to, or where to send an attorney representation letter to, he just hung up. 

So I called the number back and asked what the name of the organization is. They said it was Zenco XXXX '', a company that does not exist in the state of Texas. I asked to be transferred to " XXXX XXXX ''. I then asked him who my attorney should call, he hung up. I called a second time, and he stated " This is the 13th time you called '', which was completely untrue, it was my XXXX. He mentioned told me that " this is a felony '' and hung up without giving me a chance to inquire about what this was about. I do n't ever recall having any unpaid debt, so as far as I know, this is some type of scam. If it is some valid type of debt, then it must have been from 20 years ago, as there is n't anything negative on my credit report. If it is a debt collection agency, then they are in violation of several laws, including threatening to sue after the statute of limitations and the rest of the issues mentioned above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I sent a letter requesting debt validation from National Credit Adjusters ( listed as NCA on credit reports ). In the letter I informed them of my concerns from a negative entry they place on my XXXX credit report dated XX/XX/2020 and on my XXXX credit report dated XX/XX/2020. 

NCA did not provide me with written notice they would be adding any negative items to my credit reports within 5 days of entry, nor did NCA provide me with any verification of the alleged debt. 

I informed NCA of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my signature on it ) they have on file of the account in question. 

I informed them they have failed to positively verify the account and that it has hurt my ability to obtain credit and continues to negatively harm my credit score. I informed NCA Under the FCRA, unverified accounts must be removed and if since they were unable to provide me a copy of verifiable proof, they must remove the negative account in question. 

I requested that NCA removed the negative item from all XXXX credit bureaus within 15 days of the letter or I will proceed to file a complaint with the Federal Trade Commission and the Wisconsin Attorney Generals office. 

On XX/XX/2020 I was notified from XXXX that NCA did not remove the account, but instead listed it as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX   account Unknown to me, XXXX transferred my credit card to TD Bank. 

I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20. 

On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later. 

On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}. 

On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank. 

I can provide a copy of the check cashed by TD Bank. 

( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX  's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed. 

( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check. 

( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}. 

( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX  did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19.

Please note that this is COVID-19 related.

Company response to consumer: Closed with explanation