BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
While many companies help people during this pandemic, this lender ( Mr Cooper ) over charges people. I did refinance/closing on XX/XX/XXXX and then called Mr Cooper on the same day and talked to an agent and cancelled my auto-payment on XX/XX/XXXX since the agent told me that Mr Cooper won't charge me for late fee ( he said system automatically refund {$200.00} after auto-charge {$200.00} as late fee ). Also, the agent has left a note on my account that I would pay off on XX/XX/XXXX. In addition, the voice call on XX/XX/XXXX has been recorded by Mr Cooper. 

After paying off on XX/XX/XXXX, Mr Cooper has charged me {$200.00} as late fee. I contacted Mr Cooper several times and talked to some agents and a manger and even sent an email to their research team, but they have not addressed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested for the previous bank named Suntrust Bank now called Truist to transfer {$250.00} plus an accepted {$3.00} fee five times on five different dates to my checking account at the XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020. 

{$250.00} was to be received at XXXX beginning the XXXX of XXXX except not one dime has been received in my XXXX  checking account. 

I filed an electronically file a complaint to the bank using a way to file a dispute. 

On Friday I received an electronic document asking me a XXXX to complete some more information about the amounts while the document was not complete to ask about my complaint. The instructions are requesting that I sign the completed document then " fax '' it to a number. 

I have informed the manager that I am so XXXX that I struggle to place a stamp on a letter for a business purpose. 

I have electronically communicated through their secure services messages but I am and have not received any responses.

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

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 2020-05-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been locked out of my online about for two months. There is a restriction put on the account for reasons that the company somehow is not able to tell me. I've called nearly every day for well over a month but every time I call and put it in my information I hear an automated message that says " Due to unforeseen circumstances we are unable to assist you '' and then the line hangs up. After calling for well over a month I finally was able to bypass this message by NOT inputting my information ( making me believe there is a note on my account to reject my calls when my information is put in ). After waiting on hold for a few hours, I finally speak to someone and attempt to get my issue resolved. I am promptly told I need to speak to a different department who is " not in '' even though I call well within their business hours. After many difficulties, I am finally able to speak to someone who tells me I MUST fax over essentially my identity to get the restriction lifted. I do so within minutes of hanging up. I never hear back. I call again, bypass the message and speak to someone. After even more difficulties and threatening to file another complaint with the XXXX, I am finally told the issue is resolved and the restriction will be lifted within 48 hours. It has now been four days since I was told this but I am still UNABLE to log in. I have now missed two payments ( nearing on three ) because I am unable to access my account and pay my bill. I attempted to pay over the phone but was told I am not allowed because of the restrictions. I am being charged interest every month and my credit score is taking a hit with every missed payment ( I have NEVER missed a payment on any account before this ). I have tried every avenue of getting this issue resolved and it seems that Barclay 's simply refuses to lift the restrictions on my account. I need this resolved ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, 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:
We state for the record to XXXX, XXXX, & Equifax of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: AZ
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:
I have two hard inquires on my XXXX  report from Citi one dated XX/XX/2017 and XX/XX/2017. Either of these hard inquires were not authorized by myself and I was not asked if Citi was permitted to pull my credit report they did it without my authorization. I did try to make contact with Citi however they advised to dispute through external source.

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 2021-05-24
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, There is an apartment company claiming that I owe them {$590.00}. I have never stayed in this apartment complex nor would I ever stay in this apartment complex. I went to the XXXX XXXX XXXX XXXX to prove to my current apartment complex that I owe no not nor I have a stayed there. My new apartment complex confirmed with them that I have never signed a lease or anything otherwise I would not have been able to move into my new place. Every time I try to dispute it they say its real. Which is obviously incorrect.

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 2018-04-24
Company: Direct Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recorded message from phone number XXXX saying that this is last time they are going to try and contact me and legal action will be taken against me. in the recorded message it tells me where to go to make a payment with the debt validation or information regarding original creditor. Calls at least once a day while I am at work and they are unable to prove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union, RE : REMOVE INACCURATE CREDIT INFORMATION Third Request I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/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 2021-02-07
Company: Social Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I fell behind on my payments in XX/XX/XXXX. I never signed anything and simply asked for a payment holiday. They put me in forbearance and changed the term of my loan. It is an installment loan with a fixed interest rate. It originated XX/XX/XXXX with a monthly payment of XXXX. I had missed three months of payments but now I am current as far as making 25 payments of XXXX. They say I owe interest from being late and made my monthly payment XXXX even after catching up with my monthly installments. They want me to pay over XXXX dollars more than what was agreed too. I simply want the old scheduled payment back to what we agreed too. I have already told them I will not make a higher payment since I never agreed to a higher payment in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX  XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Unauthorized inquiries reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
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: Their investigation did not fix an error on your report

Complaint:
Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: KS
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 opened a charge account with XXXX XXXX XXXX ( credit file ending in XXXX ) in the early months of XX/XX/XXXX. On XX/XX/XXXX to XX/XX/XXXX,  I generated a balance of {$370.00} and made a payment of {$120.00} on XX/XX/XXXX ending with a balance of {$250.00}. Then on XX/XX/XXXX, I paid {$100.00} on the {$250.00} balance leaving me with a balance of {$150.00}. Then on XX/XX/XXXX, two later, I paid the {$150.00} that was showing my remaining, {$150.00} to establish a XXXX balance and account paid off like all my other creditors as always on time and never late and always make payments greater than the minimum due. Then XXXX added {$4.00} to my account in error and I did not know that they had done this. So then Experian and the other credit agencies posted a late payment to my credit file resulting in me going from excellent credit to fair credit and my credit score went from XXXX to XXXX. I communicated with XXXX and they agreed to send a letter to the credit reporting agencies to omit the late payment and to state my account as closed/XXXX balance and current. they even issued me another charge account ( # XXXX ) which I have not used yet. I have waited 30 days for Experian to update my credit file and they have dragged their feet and refused to change my credit file. I did receive notification from XXXX XXXX that my file was updated but Experian is not co operating and when I tried talking to their Dispute department, a female representative was very rude to me and unprofessional and hung up me. This why I am filing this complaint with you and seek any assistance that I can get in this manner. Thank you very much.

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 2018-04-24
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im a first time home buyer in which I closed on my property on XX/XX/2017. My mortage lender is XXXX XXXX XXXX XXXX. Before I closed on my property my loan officer had assured me that my loan payments will be XXXX a month. After I closed on my property 4 month later the same company raised my mortgage to XXXX a month. Before closing I had made it clear that I will not be able to afford a mortgage above 2000. I also emphasized that if my payment will be above 2000 that I will not close on the property. I contacted them about the issue and they claim that they did not have any information about the property to get an exact property tax value and thats why my payment had increased so m much. I believe that they were aware of the going tax rate in my county at the time but didn't include the correct tax rate at the moment just to satisfy my demand of not paying a mortgage payment of over 2000 a month just to get me to close on the property. I feel I've been taken advantage of for my lack of knowledge on home buying and demand for them to honor the original mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit Bureau ; I have been trying to dispute items on my report that are dated wrong and should have been removed long ago! They have been removed from both other credit bureaus! I try to file disputes and they are ignored! Its my understanding that I am to file a complaint here as a last resort before suing! 
1. XXXX XXXX XXXX XXXX AMOUNT {$3900.00} This account was in XX/XX/XXXX it shows payment for 2 years which is incorrect. The original charge off date was XX/XX/XXXX. It has been removed from all other agencies but Experian refuses. 
2. XXXX XXXX XXXX Amount {$1200.00} This account was also charged off in XX/XX/XXXX. It and all of the collections have expired and are removed. The dates are wrong! It also has been removed from BOTH other credit bureaus! 
3. XXXX XXXX XXXX XXXX No account number ( probably because its not mine! ) I bought a XXXX XXXX in XX/XX/XXXX I still have it. It was financed at XXXX  XXXX XXXX not XXXX! This is not my account. I dont have any paperwork to show anything BECAUSE ITS NOT MINE! 
And once again the dates should be XX/XX/XXXX because that is how long I have been fighting this! 
This one as well has been removed from both other bureaus! Experian refuses to remove it! 
XXXX XXXX removed it in 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 non-monetary relief
Consumer complaint received 2018-12-11
Company: Jon Barry and Associates, 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 status incorrect

Complaint:
On XX/XX/XXXX of 2018 I discovered a collection account from XXXX hospital on my credit report. 
I called hospital 's billing department and disputed the amount of the bill which was {$1500.00}. I sent them both documented proof that on the date of service proving I did had valid and billable insurance. When I spoke with the representative at the hospital in the billing department it was discovered that the hospital filed with the insurance the wrong billing code under " MENTAL HEALTH SERVICE for a XXXX XXXX instead of medical servics. She told me this was a hospital Error and since two years had passed she don't think that the insurance company would pay and this was a billing and coding error in the hospital billing department. The collection account was taken off of my credit reports within 90 days. 
Then on XX/XX/XXXX of 2018 I discovered that the hospital has once again place the same account with a balance of {$1500.00} back on my credit report again with a different collection agency called XXXX XXXX XXXX  and I am disputing it once again with the hospital and with the collection service with those same document showing that on a date of service I had valid and billable insurance. 
I am now demanding that the hospital not be able to ever put this balance back on my credit report again this is an account that the hospital made the air on not the patient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: VA
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:
Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX {$2300.00}.

Company response to consumer: Closed with explanation