BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
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: Their investigation did not fix an error on your report

Complaint:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on permanent social security XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on XXXX XXXX XXXX XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it  went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This problem started after my father the home owner passed away and the estate was in probate court.My father 's estate was to be handled by court appointed administrator, XXXX XXXX.He was and still is negligent in handling this estate but even though I have tried to bring my critical concerns to the court, they never saw anything wrong with XXXX XXXX actions.When the family home was in foreclosure, he did nothing and he never gave us the heirs any opportunity to do anything.The mortgage company would not communicate with the heirs, since they said we had no standing.We were never given an opportunity to save our family home.Ever attempt by the heirs was handled byu XXXX XXXX in bad faith.They decided they were going to sell the home and make a profit and we we never given an fair and honest opportunity to buy the home.Even before the foreclosure, now that I have been looking at the mortgage contract there was a discrimation by the lender to take advantage of a elderly and sick man by making him sign a contract that will extended pass his death.This was predatory lending, the out come was known when the contract was signed.THere were also problems with the income stated and my father 's XXXX  compacity is also questionable since he suffered XXXX XXXX prior to his signing.The mortgage company took the home, even though it infringed on the mortgage contract when it send in Safeguard properties without notification and when it was in the home, my families valuables were stolen.The heirs did file a civil case but it was dismissed because XXXX refused to enter the lawsuit.I have fought this by myself and XXXX XXXX with its vast wealth has done everything it could to shut me down.It never acted in good faith with negotiations and it refused my bid on an auction website even though it met their price.Time and time again XXXX XXXX made sure my family never had a fair and honest chance to get our home back.Now its on the market for XXXX that's almost 3 times what the mortgage amount was.XXXX XXXX is guilty of predatory lending and age discrimation and acting in bad faith.I also asked numerous time for a copy of the original appraisal but was never given one.I want the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
To Whom It May Concern, I am a caregiver for a XXXX veteran on XXXX XXXX. On XX/XX/2019, a representative from Midland Credit Management ( XXXX ) called my XXXX-year old grandmother and began harassing her about a false " credit report '' associated with me. I have no association with Midland Credit Management and they are harassing my grandparents on a Sunday. When I asked them to identify a promissory note they demanded my social security number. I refused to give them my social security number because they could barely speak English and were very rude to the point of being belligerent. This company is a disgrace, calling elderly people on Sundays and causing trouble with false credit reports. I implore your organization to stop this company 's harassment. When I reviewed various websites, I discovered that this company is harassing people all over the country with false credit and debit reports, often leaving " extension numbers '' with their parents, grandparents, and relatives. It appears that I am just another victim of this company 's nation-wide scam. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with Capio Partners XXXX XXXX XXXX called me three times on XXXX/XXXX/XXXX and then three times on XXXX/XXXX/XXXX. I had spoke with a customer representative previously after I noticed their company had popped up on my credit report. I faxed over a police report regarding my identity had been stolen during the time frame in question before the aggressive phone collection calls began. I also told the customer service rep previous to the aggressive phone call that I do not owe the amount, it is not my debt and that any communications will need to be in writing. They are not to to contact me on the phone. After the second call on XXXX/XXXX/XXXX, I told the representative to cease and desist all telephone communications. I also told her again after the sixth phone call on the XXXX. I also informed her I would be filing a complaint with the CFPB and sending a certified mail Cease and Desist letter to the company on Monday, XXXX XXXX, XXXX. 

I informed the representative on the first phone call that the debt was not my debt. I wanted to work to resolve the stolen identity issue and work with the fraud department. I do have a police report as I had to make one for another company that deals with the same time frame as this company they are collecting on. I have asked what the original debt is for and they refuse to inform. They said " it is for something that could be any where in the United States '' and that they " have my drivers license. '' I also explained I am XXXX XXXX XXXX and not able to work. I have very limited income. I will not pay a bill that is not mine. I can provide proof to every statement of my idenity theft and income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: CT
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 XXXX has reported to Equifax on my consumer credit report that the date of first delinquency is XX/XX/2014 which is in fact a complete willful misrepresentation of the facts in a dubious attempt to keep reporting this debt on my consumer credit report beyond the 7 years which US Federal Law allows. This was intentionally orchestrated in conjunction with Equifax who had a responsibility to conduct a reasonable investigation including looking at my credit file on record to realize that the same company has reported conflicting dates previously.

The True date of first Delinquency on this account is XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit information was used to obtain credit with J.P. Morgan chase on numerous times I have contact them about this situation before information was ran thru there database XX/XX/2020 XX/XX/2020 also XX/XX/XXXX XX/XX/2020. To obtain a line of credit which where fraudulent applications that me and J.P. Morgan was aware of and have spoken about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/2016 This debt in question of {$9400.00} was paid through XXXX XXXX XXXX XXXX of Illinois medical plan. Any and all amounts or out-of-pocket expenses have been paid and settled accordingly. 

XXXX XXXX XXXX XXXX has since sold this account to another agency XXXX XXXX XXXX XXXX and placed with MBA Law for collection, and forfeited their right to collect any further money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company claims I owe them money. I have never held an account with this company. I tried to tell them this and they told me I needed to stop lying and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and I write to you to formally file a complint against Citibank. On XX/XX/XXXX, I called the bank to close both savings and checking accounts because they were charging {$25.00} maintenance fee for not keeping {$10000.00} as minimum balance. I, like many people do not have that kind of money to keep in a bank that only pays 0.20 % ( APY ). Therefore I opened a maintenance free Online bank account and moved all my money there. 
Unfortunately, on XX/XX/XXXX my XXXXyr old Father made a teller deposit of {$300.00} to the Citibank checking account- that I thought it was closed. The following day I called Citibank to get the money back ; the customer service representative told me that I would get a refund check on my mail and that it would take between 5 to 10 business days. That check never arrived. I no longer have an ATM bank card so withdrawing the money is impossible. I am stuck. 
On XX/XX/XXXX, I called back and asked to talk to a Supervisor so he can explain why I still did not receive the refund. I was put on hold for a long time that had to hang up and call back again. I spent about an hour on the phone that day. The only thing I did before hanging up is that I filed a complaint with Citibank ( Complaint # :  XXXX ). I never received a letter from Citibank about the complaint I filled that day. 
I am not sure if there are more customers out there facing this predicament, if there are. I am formally requesting an investigation of Citibank practices, which I believe is breaking Federal and State laws ; I am also requesting for a full reimbursement of both my savings and checking accounts which totals {$320.00}. 

Best Regards, XXXX XXXX XXXX Debit Card # : XXXX Savings Acct. # : XXXX Checking Acct. # : 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 monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: NV
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 following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) 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 2018-03-16
Company: Resurgent Capital Services L.P.
State: NJ
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:
In XX/XX/2017 I received correspondence from Resurgent Capital Services requesting validation of an alleged debt. It is now three months later and I have yet to receive the information that are within my rights through the FDCPA to verify same. 

Considering I responded to their correspondence, the information this company has concerning my address is correct ; considering I responded to this correspondence, I am clearly not avoiding them, so then what's the problem? 

They continue to ignore my requests for validation but continue to report same to the credit bureaus and they continue to deny my rights under the FDCPA to handle this issue appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
New details on a previous complaint I made have been brought to my attention ; I am requesting proof that Bank of America had an " XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX. '' in the summer/fall of 2015. 

For reference, I am attaching official paperwork I signed/received during my mortgage application process during that time. 

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 explanation
Consumer complaint received 2018-03-16
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am receiving a Six Month Fixed Rate of 8.99 % and then it goes back to Prime + 16.74 % ... I do have a excellent credit score of 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 2018-03-16
Company: ROC Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In  XX/XX/XXXX. I have receipt to prove my merits On this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Something does not seem right with the amount I paid for my home the loan amount vs the selling price. I was billed around XXXX XXXX, 2012 for my home but I checked XXXX to see what houses are selling for in my area an it said my house last sold for {$190000.00}. I feel the realtor fudge the numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a state of Georgia tax lien on my credit report that has met the statue of limitation. XXXX and XXXX have both removed the lien, however, TransUnion refuses to do so. I made the dispute with TransUnion on XXXX/XXXX/XXXX and they sent me an updated report dated XXXX/XXXX/XXXX stating that the account it is " verified as accurate '' It was added to my report on XXXX/XXXX/XXXX and according the state of Georgia " State tax liens must be filed within seven years of the assessment date of the tax liability. Once the Department files a lien, the Department has seven years from the date the lien was recorded to collect the liability. A tax lien may be renewed for another seven-year period by re-recording the lien prior to the expiration of the previous seven-year period ''. 
I spoke with a representative for the state who informed me that they do not report to the credit bureaus that XXXX XXXX does and my file with XXXX XXXX has been frozen and suppressed.

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 2017-11-17
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Nelnet keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car in XXXX and started making payments in XXXX as required. On each payment, I paid extra and asked it to be applied to the principal balance. I asked via letter as well as wrote it on the check. The first letter was sent on XX/XX/21 with no response. The second letter XX/XX/21 and last was XX/XX/21 with no response. I have now paid an extra {$1500.00} that was NOT applied to principal and they have NOT responded. I also called customer service on XX/XX/21 and they couldn't resolve. The {$1500.00} NOT applied to principal will result in significant interest over charges. I am asking for these overpayments to be applied to principal balance.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted and notified all parties involved : XX/XX/XXXX TransUnion, Us Dept Ed, and Dept EdXX/XX/XXXXof these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XX/XX/XXXX {$5900.00}, DEPT ED/XX/XX/XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.

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 2019-10-07
Company: EQUIFAX, INC.
State: AL
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:
XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.

Company response to consumer: Closed with explanation