BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I having problems company is saying that I miss a payment I called them since another company sold my loan..i ask them to tell me the month they said I miss the payment but they can not tell me.. ow they want to charge me more for the missing home payment..i have all my payments on file since I got the house..i don't know what else to do..my house loan has been sold twice already. New company is saying I'm missing a payment but can not tell me the month they say I miss

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00} XXXX  XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and XXXX XXXX reports they are reporting 30 day late payments on XX/XX/16, XX/XX/16 and XX/XX/16. To XXXX  they are only reporting 30 days late on XX/XX/16. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. Capital One has failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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:
While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: JPMORGAN CHASE & CO.
State: MI
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 have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX ACCOUNT # XXXX EXPERIAN FAILED TO VALIDATE THIS ACCOUNT. THIS ITEM IS INCORRECT. THIS ITEM WAS PAID DIRECTLY FROM XXXX. AND THE UNIVERSITY WAS PAID DIRECTLY. THE UNIVERSITY REPORTED THIS ITEM AS A COLLECTION, AND FALSE. WILL SEEK LEGAL ACTION, IF NOT CORRECTED.

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 2021-06-09
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables is reporting accounts on my credit file I need removed. I recently took a look at my credit and noticed some accounts were reporting. I have paid these accounts and ask that outsource remove them from my credit file. These accounts have been satisfied however, outsource continues to affect my credit. I know that outsource can report to the bureaus as they deem fit so I'm aware they can remove the collection accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: WA
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:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Sterling Infosystems Inc.
State: IN
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: Public record information inaccurate

Complaint:
I have never been convicted of any crime, anywhere. This information is incorrect and is harming my reputation. This record is incorrect in it's entirety. The company that supplied this information is : 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 2019-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had bankruptcy # XXXX on XX/XX/2009 case was closed, Portfolio recovery trying to the discharged debt to collect from me. calling to my business number every day up to 3 times and hang up each times with different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX  and Experian are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2021-09-10
Company: SUNRISE CREDIT SERVICES, INC
State: NY
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:
There are 2 fraud accounts on my credit. The first account is XXXX XXXX and the second account is Sunrise Credit Services. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting XXXX, they have some one else information linked to my name and social. 
In reference to Sunrise Credit Services, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.

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 2019-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery agency purchased two of my debits owed from a credit card I defaulted on. Portfolio recovery agency filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. In XXXX the two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. Portfolio recovery agency responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  purchased two of my debits owed from a credit card I defaulted on. XXXX   XXXX XXXX filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. InXX/XX/XXXXthe two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. XXXX XXXX XXXX responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.

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 2019-03-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX  and Transunion they are reporting 30 days late payment on XX/XX/XXXX, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

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 2021-09-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MBA Law At XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notice in the amount of XXXX. Seeing the collection has been reported as past due I do not know this company. I have never done any business with this company, this company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the nite of XX/XX/XXXX, I made an {$1800.00} ( or possibly {$1900.00} ) deposit into the ATM in the XXXX NY branch of TD bank, ,for my account # ending in XXXX ( my corporate account ) and I did not complete the transaction fast enough. 

ATM kept my money and ATM card. 

I called and filed a dispute about this problem ( and also a similar problem I had with another account ( acct # endingXXXX, -- my personal account ) at this same ATM on XX/XX/XXXX. I did not know the exact amount of that deposit. I was told that in order to file a dispute, I needed to.provide an amount so I said {$300.00} though i made it clear i did not think it was {$300.00}. 

The person who took this complaint filed both disputes as part of the XXXX account instead filing the XX/XX/XXXX dispute for the XXXX account and I believe this has caused massive confusion. 

I never got my {$1800.00} and I have refiled my dispute 3 more times -- total 4 times. 

Each time I call, the bank treated the dispute as a new dispute, and tells me that I will get a letter in 10 business days -- we are at 36 days and counting at this point TD has a dispute department but company policy is such that.the department will not take calls, so I keep explaining what happened to customer service agents who I understand just have a screen with a an small amount of space to explain the situation to the dispute dept and I am sure the space is inadequate to explain what happed.in my case TD has video cameras so I'm sure they can see I put in the money but as I understand it, the ATM is actually handled by an outside company and I dont think there is adequate communication or cooperation between the bank and the outside company. 

I want my money and if I do not get it soon, I'm going to take the bank to small claims court. This is my final attempt before I file with the court, so you should advise them to keep their video and all their records, which I will subpoena, if I don't get my money ASAP.. Once I go through the trouble to file the complaint and prepare the supbeona duces tecum , I will not withdraw it. 

I point out that I never used an ATM before covid and this is about my 5th -- all but one of which were specifically with the TD XXXX ATM -- problem with ATM deposits and bank personnel at the branch Iindictate they are trying to get the ATM replaced because it gives them a lot of trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trans Union Inquiries on my Trans Union report don't belong and the credit reporting agency above will not remove them after trying to issue a dispute with the reporting agency ( 1 Factual Data XX/XX/XXXX ) Trans Union will not remove the inquires off report I was told all inquiries had to stay on report this is not fair called on XX/XX/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 2019-04-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquires below are not authorized by me. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Diversified Consultants, 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 number calls all times of the day. I answer and they tell me I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I have never heard of this company until they showed up on my credit report and started calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I now have a debt of XXXX in my collections for a medical bill from the beginning of XXXX. I was using my fathers insurance and went to urgent care for XXXX XXXX. The doctor told me I had XXXX XXXX and prescribed me eye drops and charged me that amount. I felt like the amount wasnt correct and contacted the company I was being billed through, XXXX and they didnt do a good job explaining why the amount was so high. They couldnt tell me why it was so high.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$580.00} date assigned XX/XX/2019. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation