BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX medical collection agency, and XXXX XXXX XXXX XXXX my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, XXXX and Experian both refused.

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 2021-08-30
Company: The Outsource Group, 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: Investigation took more than 30 days

Complaint:
Unauthorized use of my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: DISCOVER BANK
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Target is reporting a status of Charge Off to Experian which is incorrect. I have been attempting to resolve this issue for almost for years. This account was legally discharged through a bankruptcy, this account was never charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 status incorrect

Complaint:
XXXX and TransUnion are reporting serious delinquencies of 60 days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over 6 months now. I have most recently written to XXXX XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for XXXX, their process, and what am actually disputing. With TransUnion, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by XXXX and TransUnion that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.

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 2022-11-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter addressed to Resurgent Capital Services L.P. and a letter also addressed to LVNV Funding LLC asking for validation and verification. They replied saying the information is verified and they also sent me a copy of the billing statement. The address on the billing statement is not my address and the information is incorrect. 

The address they have on this account does not match my address. The original creditor removed the account from my reports when i initiated a lawsuit over this fake address. 
The address they have is XXXX XXXX XXXX XXXX XXXX .... My address is XXXX XXXX XXXX XXXX XXXX .... I do not live in XXXX and that is not my address. This is a large housing complex and people steal mail and packages all the time to commit fraud. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been calling my home phone multiple times per day for the last week. They have now begun calling my cell phone as well. The will call 2 or 3 times in a row. It gets so frustrating that we unplug our phone. I can see every time they call on my phone log. They never leave messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I got a phone call from Zwicker & Associates P.C explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Portfolio Recovery Associates LLC is in violation of Federal for purchasing debt illegally without consent of myself. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports both parties, XXXX and XXXX XXXX XXXX XXXX are in violation. 
This Federal law states No consent is Identity Theft In conclusion, under both Federal laws, this account must be removed PERMANENTLY from all credit bureaus. 
Thank you kindly for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: National Credit Systems,Inc.
State: GA
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 applied for an apartment at XXXX XXXX. I paid the required application fee. A few weeks later I was notified that my bank frauded the amount out because they assumed it was fraud. I immediately had them to reverse the charges and send that payment back to XXXX XXXX. I received a credit alert stating they had sent this information over to collections and it now on my credit under National Credit Systems pending payment. This is inaccurate reporting information since I paid them. I have even reached out to the collection department and also sent them a copy of the documents. Please see attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was in foreclosure and I had the loan modified with a lower payment. I have not missed a payment since this modification was completed 4 years ago. I was unaware at the time this modification was adjustable. The mortgage was then sold to another company and then sold a 2nd time. Rushmore management services is now the company that holds my mortgage and they have raised my interest rate from 4.94 % to 5.875 % during a worldwide pandemic where people are having difficulty making payments on their homes! I was advised this was due to current market rates. The rates have dropped to 3.1 % -3.4 % yet they are raising me to an amount I will now have difficulty making payments and Im in fear of my home going back into foreclosure. They have been unwilling to help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
JP Morgan Chase Bank closed my business account without informing my company when reached out to them reference to this issue was very hostile and will not give a reason for closing the account, and holds my $ XXXX plus, claiming I will receive it in XXXX business days, which causes me late payments on all my bills, example mortgages, car loans, salary for employee 's this becomes very frustrating for my business hope this organization will be dealt with accordingly, I have done absolutely nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Google Compare Credit Cards Inc.
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX told me that because their system was unable to verify my payment method and identity even though I've submitted the correct documents several times they were not going to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to Pennymac Loan Services 5 years ago due to my total loan amount being less than {$50.00}, XXXX. They have been harassing me by calling me every single day, several times a day! Recently they have been charging me a {$15.00} monthly fee to " have someone drive by my home to make sure I still reside here ''. ( Pennymac is based in XXXX XXXX, CA and I live in Oregon, so they claim to have hired someone local to drive by ; I have never been personally contacted by this alleged person ) I have called them in the past to inform them of my hardship situation, but they have told me after speaking to them that this information I provided will NOT stop the phone calls and it has not! Therefore, I see no point in speaking to them since it makes no difference whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted Wells Fargo and they do not have anything of a debt from me.

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 2016-07-01
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I want to get information on the credit union I had a car loan with .My payments on my mail did not reflect the payments towards my vehicle at the time of my lease. The amount own on the vehicle still reflected the buyer amount from 3 years prior.I fully did not understand the conditions of the loan if it was only a 60 month loan to pay the car off.My car was also taken back from the credit union and returned to me but still stated on my credit report repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. In 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I filed bankruptcy in XX/XX/XXXX, included was a Moneylion loan that I had been paying on. Tied to that loan was an investment account with {$150.00} in it. These investment funds were exempt during my Chapter XXXX bankruptcy as they fell below the asset limit. My bankruptcy was discharged XX/XX/XXXX. To date,

even after this discharge, moneylion continues to refuse to return those funds to me. I have requested numerous times. They already had to have a complaint filed before fixing incorrect credit reporting, now at seems I have to do the same thing to get my investment money back that was not theirs to keep post-bankruptcy as they were exempt funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
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: Personal information incorrect

Complaint:
I am writing this complaint regarding inaccurate personal information that appears on my Equifax report. I have sent three letters over the past six months to Equifax with attachments from the FTC as evidence of my current and previous address, and how the current address that is reported on my report is inaccurate. However, Equifax refuses to delete the address from my report. Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( 1 ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( NCRA ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the NCRA has in the consumers file. Section 605 ( h ) ( 2 ) requires the federal banking agencies and the NCUA ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. I request that the inaccurate address is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this judgement on numerous occasions telling experian the county clerk of of the court does not show an open judgement under my name, but experian insist their information is correct and keep sending me back to the county for more details and now they are refusing to investigate and not providing where their information is coming from. If the clerk of the court did n't provide the information and they are not seeing a judgement under my name and social where is experian getting their data from and why is this error still showing on my credit? This is n't my judegment, expeiran needs to remove this ASAP.

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 2021-08-30
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 fraud alerts or security freezes

Complaint:
On XX/XX/2021 at XXXX, I tried to unfreeze my credit with Transunion. After logging in and unfreezing, I received the following " The TransUnion Credit Freeze Service is temporarily unavailable '' and could not unfreeze my credit for an important transaction. I called Transunion at XXXX to initiate the unfreeze and was told there was a problem and they could not unfreeze my credit. No other help was offered by Transunion.

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