BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Section 1463 of the Dodd-Frank Financial Reform Act ( the Dodd-Frank Act ), which took effect in XX/XX/XXXX, contains several important modifications to the QWR provisions of RESPA. First, a servicer must now acknowledge receipt of a QWR within 5 business days ( previously 20 days ) and must provide a substantive response to the borrower within business 30 days ( previously 60 days ), with a possible 15-day extension if the servicer sends the borrower notice of the extension and its reason for the delay in responding. See 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ; 12 U.S.C. 2605 ( e ) ( 2 ) ; 12 U.S.C. 2605 ( e ) ( 4 ). 
Mr. Cooper never fulfilled their obligation concerning the time-lines stated above. I never received a reply until months later for a QWR Certified Letter to Seterus, Inc., received on XX/XX/XXXX - prior to Mr. Coopers acquisition of Seterus, Inc. Now Mr. Copper claims that it received my letter to Seterus on XX/XX/XXXX when they tool over Seterus Inc. , and that letter was signed for on XX/XX/XXXX by Seterus Inc. , agents - setting the tine-line for response. After no response to the XX/XX/XXXX letter and after many phone calls to Mr. Coopers designated Contact persons, whom I was instructed to contact, I made clear that I never received their response within the allotted time as per above. Next, I sent via Certified U.S. Mail a completely new 14 page letter addressed to Mr. Cooper. This letter required a specific response sent certified return receipt, and Mr. Cooper failed to respond to that correspondence entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both XXXX XXXX and Experian ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Account # XXXX - XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my 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 non-monetary relief
Consumer complaint received 2021-06-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$770.00}

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 2021-07-20
Company: Nelnet, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. They are just the servicer of the alleged loan, they can't be the holder in due course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One account had multiple charges that either didn't belong to me or where incorrect. This led to the account going over the limit. Capital One refused to fix multiple errors, then charged late fees, overdraft fees and refused to agree to a repayment plan or remove the additional charges I was being assigned in error. I then started working with a credit repair company, at Capital One 's insistence, made payments ( the credit company said the terms they quoted were what Capital One agreed to ) and repeatedly told the credit repair company that the modifications Capital One were requesting was authorized. In the meantime, even though I made the payments timely and at the level requested initially, Capital One marked my account 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both Trans Union and XXXX ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with XXXX XXXX  so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Moiharwin Diverisfied Corporation
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$190.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Coinbase, Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i have my Coinbase account blocked since XXXX, XXXX, 2021 I have try to complite my personal dates, reset my account and solved the problem with them but without success. 
For this reason i cant move or remove my money from taht count.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans.

This misallocation of funds must stop!

I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Professional Finance Company, Inc.
State: OK
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 paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. 
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Southwest Recovery Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to dispute inaccurate information on my XXXX  Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX   has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?

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 2022-08-09
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: Was not notified of investigation status or results

Complaint:
This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?

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 2018-06-12
Company: KEYCORP
State: ID
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:
Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

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 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation