BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion is allowing the collection account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My TransUnion credit report says the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with TransUnion before and they always say it's accurate. It is older than being reported and is wrong.

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 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

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 2015-07-17
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Someone came to my home and served me with a " summons '' about a debt. When served a summons, the documents are supposed to be handed to the right party from my understanding, but these documents were handed to my roommate ( 3rd party ). Also, according to the FDCPA, sending documents that imitate actual court documents is in direct violation of debt collecting tactics. I 've checked my local courts for this case and nothing has shown up with my name and this may cause me to take legal action if necessary. 

I 'm not sure where this debt has come from, I thought it may have been something from college, but for the next year, my payments have been deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CURO Intermediate Holdings
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan. 

I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a licensed loan originator with NMLS since XXXX. I have a mortgage serviced by PHH now it was with Ocwen. I applied and received a loan modification. And competed it. I ended up owing way more than my original mortgage. I just don't understand how this happens and I originate mortgages everyday. I originally had a mortgage for {$140000.00} since XX/XX/XXXX. I still owe {$100000.00} after being in the mortgage for over 25 years now. Please help me here. 

Sincerely, 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 2021-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report showing this account. Please note the STATUS DETAILS where it states : This account is scheduled to continue on record until XX/XX/2017

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 2015-04-27
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\These accounts are showing XXXX days late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee

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 2016-09-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET

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 2016-07-10
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Daughter was placed as POA for my Father from XXXX. During this time, debt was accrued in my Father 's name by use of his SSN. He was hospitalized during times that funds were misappropriated. Father and I ( son, his current POA ) have already had to go to court with this law office over another debt committed by the Daughter in question. Collection law office employs attorneys who have been disbarred multiple times as well as those who send letters claiming that my father has made requests to obtain balance. All false, concerned, I called in to verify that this was fraud similar to what took place last year. Debt collector was rude, misinformed and disclosed vital information about my father without my or his permission only to let me know we are not being sued. When told we were not being sued, then 'why the harassment ', I asked. To which they responded, unless i have an attorney they recommend we end the call as we have reached an endpass.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Invoice # XXXX from XXXX XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You 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 2016-09-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.

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 2015-08-13
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: APEX Asset Management, LLC
State: PA
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 've never received any letters or phone calls concerning this supposed debt. This is my former place of employment, and at the time of my resignation, funds were withheld from my paycheck to cover this amount. This was submitted to collections in absolute error. What I did owe at the time was already debited against my final paycheck from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Purchased a product promising free extra service time that was never delivered for approximately XXXX dollars. 

Attempted to return misleading product on XX/XX/2020 and was denied. 

Card issuer also denied dispute.

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 2021-02-05
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bonneville Collection Debt Agency called me and my husband repeatedly for about a month now. Harassing with 4 to 5 calls each a day. However today on XX/XX/2021 they called my mother and my husbands mother-in-law over {$300.00} that was owed. My mother immediately called me concerned. They should not be reaching out to my husband 's mother-in-law on his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Northland Group Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They are calling for my son ( XXXX XXXX ) after I have told them that he does not live here. I have told them not to call, and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Adding money

Complaint:
Today, XXXX XXXX, 2015, is my payday. I have a Rush prepaid card and I was told last night after being on hold for 2hrs that it will be posted XXXX. Nothing was on the card so i called today XXXX. I was then told my account is pending and my actual payday XXXX. Then I told them today is the XXXX and it is XXXX in XXXX and I still dont see my deposit or the money that was still in the account. They keep blaming it on technical glitches. I was n't informed about any of this via email, text, or mail. If I was informed I would 've stop my direct deposit immediately. Now I may be stranded if this does n't get resolved soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing hundreds of thousands of dollars from my account.

Company response to consumer: Closed
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received checks, log book, deposit slips and withdraw slips for a checking account I did not open on XX/XX/XXXX in my mail box. I then called the bank located in Texas " TD Bank '' and they told me to file this complaint with you. They also told me to call Social Security, XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation