BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two complaints : 1. On XX/XX/20 Dovenmuehle took {$470.00} out of my escrow account, I called and requested an explanation and an audit of the account to understand why. I spoke to XXXX on XX/XX/20 and she said that was a task for the research department and that I would here back from them in 7-14 business days. I have not received a written response or an explanation of the withdrawal. I have reached out in several emails with no response and have tried to get them on the phone. 

2. Dovenmuehle assumed my loan on XX/XX/20 and the hazard insurance was due to be paid on XX/XX/20 - I called on XX/XX/20 after I received notice from the insurance company that the bill was past due. As of XX/XX/20 no payment has been made for the insurance. 


The escrow account is in good standing and has plenty of funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A violation of fair debt collection practices Act of an alleged debt owe. Portfolio Recovery Association XXXX XXXX XXXX. Had a judgement for the total amount of XXXX. And took money from Michigan tax return for the amount of {$470.00} for the tax return of XXXX. 
Then on XX/XX/XXXX took money from a XXXX bank  account in the amount of {$570.00} As well as of XX/XX/XXXX cashed a {$2000.00} money order. 
As well as took money from a XXXX bank account XX/XX/XXXX in the amount of {$670.00}. XXXX Also took {$41.00} from XXXX bank account Exceeding the amount of {$2700.00} This business practice is unlawful and unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ),  all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a  consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). 
XXXX / XX/XX/2020 *XXXX - XXXX XXXX / XXXX XXXX *XXXX - XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020 XXXX XXXX / XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Two days ago I opened an email from Experian Credit Reporting agency to find this note Please review your alert, your FICO score has decreased. This is terrifying news for anyone. I pay my bills, always, never late, always paid in full. I immediately went to their site to ask for my credit report and after filling in the form they came back with a refusal. I couldnt even look at my credit report? 

After over 55 years of near-perfect credit that I worked very hard to maintain, in XXXX I had a bankruptcy. In XXXX I was finally able to obtain a credit card. Know this, I have never been late on a payment to any company, I have never paid less than three times the minimum every month to XXXX XXXX and XXXX. I work very hard to be in good standing. Why did my credit score go down? And why couldnt I get a copy of my credit report? I asked first via XXXX XXXX  at Experians site two hours later after being passed around to agents, no answer but passed on again. This was an exercise in futility and took many hours. 

So, the reason they arbitrarily lowered my credit score is  this : Im apparently using too much credit. Yes, I am using more credit, not however ever exceeding my limit and never behind in payments. Heres the justification they sent me : https : //www.experian.com/blogs/ask-experian/how-utilization-rate-affects-credit-scores/ I explained to them I am XXXX years old, have no car, live on social security, must have everything delivered because of course, being high risk, I am terrified to use public transportation, there is a {$60.00} minimum on groceries so even if I only need a loaf of bread, I still have to order {$60.00} worth of groceries to get it delivered. My money goes very fast since the pandemic and I dont get paid until the XXXX, so yes I am, WAS, using more of my ALLOTED credit, now Im afraid to even use that. And by the way Experian, have you heard of coronavirus? 

This experience with Experian took many hours, from very early morning to after XXXX XXXX and oh, the reason I wasnt able to obtain my credit report? Because I had changed my login it was my fault. 

Credit reporting agencies have the power to destroy lives. Willy nilly. And there isnt a XXXX thing we the people can do about it because money rules the world. 

I have all the communications between myself and Experian and can provide if necessary but don't know how to attach to this complaint.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written 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 explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, XXXX  and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

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 2022-04-12
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022, I received a notification that Equifax added a negative account to my credit report that I have no knowledge of. This isn't the first time Equifax has violated my rights. The account is from XXXX XXXX XXXX, whom I've never done business with for the amount of {$120.00}. Equifax left a completely false and dishonest comment on my credit report claiming " Account information disputed by consumer, meets FCRA requirements ''. I know for a FACT that's a lie because I've never done business with this company and I NEVER received ANY and ALL completed documental evidence concluding this investigation since it " meets '' FCRA requirements. Where are my investigation results that are to be sent to me by law? How was this information verified and by who? When? Where?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was told this person needed money and that he would pay me back but after I sent the money to XXXX I did not get anything back nor did they ever contact me. I am very upset about this and I wish it never happened since I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, Equifax and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX. They are making repeated calls to me every day and harassing me. 
XXXX. They sent me a letter in the mail saying I owe {$3000.00}. My original payment principal was {$1100.00}. They also charged me a late fee of {$380.00}, which is more than my installment payment amounts. This is outrageous and an attempt to take advantage of a customer. I want the payment lowered back to the principal immediately. My hours at work have been significantly reduced, and I am unable to pay the installment amounts and definitely will not be paying the extra fees they have tacked on. 

They need to work with me on payments I can afford over time, and they need to reduce the amount I owe by reducing the extra fees they tacked on. I also want the harassing calls to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

Thanks 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 2017-02-28
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I got divorced from my ex husband because he was n't good at money and he was XXXX. So after the divorce was final i paid and settled my account with XXXX debt collection agency. And i requested that i get a receipt showing i paid it. I had called US bank after that asking what was going. They did n't show anything on the account with the local branch and the customer service line. XXXX told me to call the recovery dept to see if i owed anything. And sure enough XXXX said i did. I do n't see how this is fair because the debt is paid off and second they should of communicated to XXXX about the account before having people call me and cause XXXX on me and my family. Well on XXXX XXXX or XXXX i received a harassing phone call from XXXX. XXXX told me i need to tell him if i am going to pay it or not. And if not then he will take me to court. Was n't friendly at all. So i was scared and cried after that. Poor service

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 2022-04-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have best buy credit card through citi bank and i noticed from my credit monitoring account that the account has been closed by the creditor and i have received no communication from the bank. Neither by email nor by paper mail which the bank has been claiming that they have sent. 
I am requesting to please look into this because reapplying for the account will effect my credit score as i have already got effected when I applied it for last time.

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 2020-03-27
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX and XXXX have removed the account from my report, however, XXXX  and Transunion have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a XXXX XXXX is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.

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 2017-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government-issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 
You may also submit your request and any documents or information you wish to provide to us at www.experian.com/upload. 
If you are purchasing your credit report, enclose your check or money order for {$12.00} plus any applicable tax. 
If you wish to purchase your XXXX ( R ) report provided by Experian, enclose your check or money order for {$7.00} plus any applicable tax. XXXX is owned by XXXX. 

Mail this form, along with payment ( if applicable ) to : Experian XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. 
[ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX, FL XXXX Social Security number : Date of birth : XXXX Report number : I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 
[ ] Free annual credit report. 
[ ] Free credit report based on my state 's law. 
[ ] To purchase my credit report. 
[ ] To obtain my free report with my promotional code : ( enter code ). 
[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below

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