BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I called into Mr Cooper customer service number, XXXX, to validate whether Mr Cooper has sold/transferred my current loan with Mr Cooper to XXXX XXXX  XXXX XXXX XXXX XXXX ) as I received notification letter from XXXX to start my mortgage payment to them on XX/XX/XXXX. I spoke with XXXX XXXX XXXX Home Advisor ( XXXX # XXXX ) and she checked her system. She said it does not show Mr Cooper has sold nor transferred my current loan to XXXX. She asked that I checked back in a few days and replied to her email with a scan copied of the XXXX letter for her to investigate. Then suddenly, emails arrived in my inbox regarding " sign my Mr Cooper loan documents electronically ''. And it is coming from XXXX XXXX ( XXXX ID XXXX ) Mr. Cooper, ( XXXX ) XXXX, XXXX. This is a surprise as I did not apply for any loan application and did not give out any information for a loan application. I continued to receive emails regarding Mr Cooper loan application which I did not initiate and authorize. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Mr Cooper with my credit score. This is outrageous and a breach of trust as in no way did I authorize any credit report to be pull. I called XXXX XXXX regarding this on XX/XX/XXXX and he claimed I must of authorized it over the phone with him, but this is the first time I've spoken with him. I've asked him who initiated the loan application and how can they just run my credit report without authorization. He has no answer for this. This is unwanted and not authorize, which will affect my credit score as a consumer. This is for sure an unusual fraudulent practice. Please investigate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Resurgent Capital Services L.P.
State: NC
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 tried to contact this collection company, in reference to Resurgent Capital Services asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$820.00} is mine from XXXX XXXX XXXX. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.

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 2018-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2018-01-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, approximately 1 year before the maturity of my home equity loan, I received a notice that XXXX XXXX XXXX had " miscalculated '' my interest that I was paying on my loan for the past 15 years. They said they wanted me to pay a lump sum of {$4200.00} by XX/XX/XXXX, rather than the regular payment of {$430.00}. When speaking with them on the phone ( XX/XX/XXXX ), they admitted it was their mistake and not mine, but they still expected me to pay. This was originally a XXXX loan that was bought out by Ocwen some years ago. There is no way this can be legal! How can I be held liable for THEIR mistake??!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please see all attachments : my legal rights under the Consumer Practices Act & Fair Credit Billing Act was violated. Out of good faith, I explained they can keep the {$1100.00} that was out of pocket for the labor, but I'm not paying full service for something I didn't ask for.

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 2019-04-08
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My account was sent to collections although it was paid on time. my provider had retired and cashed the check in his personal account and there was a mix up with my bill. after showing proof that the amount had been paid in full they refused to cooperate, ordering me to send repeated proof without responding to me. months after the start of this, a negative mark was put on my credit and after multiple phone calls to correct this issue, XXXX responded in the worst, rudest, most unprofessional manner.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-11
Company: Tally Technologies
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Three months ago I decided to have a unified platform to monitor my credit cards. I came across Tally on their website www.meettally.com. I downloaded the app and created a profile. The company suggested me a line of credit. I completed the application and did not use the account at any time. 

Few weeks later, I began receiving multiple email and text messages claiming payment. I ignore them because I never used a credit card without full knowledge. They persisted and when I called, I was informed that Tally had paid my credit cards XXXX XXXX  XXXX XXXX ) on my behalf. I asked when and why. I was told that that's how they work. I replied that I never asked for such service therefore will not be responsible for any such debt. 

I proceeded to call XXXX XXXX XXXX and was informed that my credit card was overpaid. That was shocking to me. I asked XXXX to send the money back to the company that paid it. The bank declined so I requested that they close my account if I am not protected from predatory landing. 

Tally company is now harassing me with phone calls and text messages. 

Thank you for your assistance. 

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 2018-09-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.

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 2021-07-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called to speak with an Equifax rep at XXXX XXXX  and the rep told me that my collections were removed from my report. I called back in astonishment to verify these results and the new rep told me that the first colleague reported inaccurate information. It was disheartening that the representative would give a consumer inaccurate information and get their hopes up. I asked to speak to a supervisor once on the call with the representative that I spoke to at XXXX XXXX. The representative never got a supervisor on the phone and hung up in the middle of the call. I tried to call back multiple times with no avail. As a consumer, I am upset that the bureau would provide false information after multiple attempts of getting these collections removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
I had a secured credit card with Fifth Third Bank up until XX/XX/XXXX of last year for whatever reason after making my payment they did not posted to my account XXXX Dad closed my account and kept my {$300.00} security deposit they claimed it covered the fees and close the account and I thought all was good. Then in XX/XX/XXXX I noticed it was reporting late on my credit report and there were fees associated I went through all three credit bureaus and disputed this I later received a letter from Fifth Third and the credit bureau saying that the account was corrected which at the time it was now here we are six months later and they claim over {$300.00} in fees keep in mind this is an account that was secured with my own money not borrowing Theres they made up all these fees and they refuse to do anything about it while they continue to report negatively to my credit on a secured card that was my own money. I have tried multiple times to talk to them with no help what so ever this needs to be removed and closed as these are false charges that fifth third made up as they seem to do often!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I had ma pay roll deposit into this account routing no. and routing account no, the depoist was never made, after the deposit was made and not returned, after talking with them only to find that a number of mistake were made, and no one seem to care about taking care of them, after calling them a number of times telling them what the people told me that put the money into the account. they would not looked into what i told them, they are telling me its going to take 3to5 business days before they give me my money, however my insurance is pay with that money, and also other bills, as well but this did not give them any means to find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Would not answer phone would not pick up. Request my pin number 2 times now and they keep assuring they will send it to me. they should not be allowed to stay in busness if they are unwilling to speak to consumers. 

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 non-monetary relief
Consumer complaint received 2018-01-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lost my job and apartment and was no longer able to pay my debt or receive mail.

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 2019-04-08
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Friday XX/XX/XXXX I was sent {$2500.00} from my cousin in law XXXX XXXX via PayPal to pay for my property tax. I received the money which was sent as a personal payment and 30 minutes later the account was frozen and I could not access my money. His bank did not file a claim nor have I ever had suspicious activity so I was confused. I complied and my money is still on hold. His PayPal as well as the XXXX account in which we responded is verified. I feel like they are holding my money to gain interest in their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: NC
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:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX, NC 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 2020-07-10
Company: DISCOVER BANK
State: SC
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:
I purchased a inground pool kit for {$4300.00} from under the sun when it got delivered a panel was damage took all necessary steps with pool company they refuse to file a claim the pool company with freight company I can't because I I didn't pay for freight I did but pool company paid fees so I took the 12 panels and divided by total amount of cost for panels and disputed it with discover card since the dispute I was still trying to get panel replaced by pool company and frieght company and pool company refuse to file a claim trying stick me with a pool that can't be built because broken panel and I yet to recieve my liner for the pool so I called discover back tell them that I can't use a broke pool nor can't use without a liner I never got that I wanted to dispute the entire amount and pool company can pick there stuff up no liner broken panel well discover card told me I can't disputed with the dispute open I said ok close it open a new 1 for  the entire amount pool company refusing to file a claim with freight company and I still haven't gotten my liner said they can't not aloud to do it. I ask them is that a government law they wouldn't answer me. I gave pool company the benefit doubt of trying to fix it and there being ignorant threatening and plus never got my liner so I called discovery back to dispute entire amount and told me I'm not around to dispute it again and I'm stuck paying for a pool that arrived damage and can't use

Company response to consumer: Closed with monetary relief