BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, Experian and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

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 2021-01-29
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On multiple occasions I have had contact about this debt. Previous to this I mad all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Midwest Recovery Systems
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this same account with a company called Midwest Recovery Systems, and it looks like the same company has just changed names and put it back on my credit reports. They changed the name to XXXX and reporting the exact same account and amount, after removing it under the name Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance application with HSBC on XX/XX/XXXX and was approved a few days later with a rate locked in. Over the next several weeks, I went through the lender 's process and provided documents, worked with them to get an appraisal, and kicked off the refinance process with my home 's management company. 

I was informed that everything was complete on my end on XX/XX/XXXX when I delivered the signed, and executed recognition agreements to the law firm representing HSBC. My experience up to this point was disappointing due to poor communication and lack of updates from my mortgage lender, but it continued to get worse and worse after submitting the recognition agreements. 

From that point, I stopped getting updates from HSBC and only got one email each week with a document to extend my rate lock which is paid for in points. Since I turned in my recognition agreements on XX/XX/XXXX, I was required to sign 6 rate-lock extensions raising my APR by around 0.5 %. 

Today, my mortgage broker finally reached out to me with an update only to request me to pay another questionnaire fee ( {$300.00} ) that I had already paid on XX/XX/XXXX. My only guess is that due to the lender 's slow processing times and negligence, some documents expired and they are pushing the cost on to the borrower. 

Overall, I have been extremely disappointed in my experience working with HSBC. I would not recommend them to any friends or prospective borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: OH
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:
When attempting to obtain a credit report at XXXX after completing initial information page ( step 1 : name, SSN, address ) and being directed to step 2 : select credit reporting agency, questions to verify my identity have nothing to do with me and are impossible to answer. I have called all the bureaus and they say it's the computer. 
This follows me opening an checking & savings accounts at CHASE only to receive a letter stating " We blocked your account ( s ) .. and will close it soon. While reviewing your account, we obtained information from a consumer reporting agency and decided to colose your account. The consumer reporting agency played no part in our decision, and is unable to supply specific reasons for it '' The agency they reference is XXXX. 
From what I could ascertain, I have no issues at XXXX. Calling on CHASE to explain only yielded extremely rude and smug responses from their so-called customer service agents and supervisors. 
If these agencies can profit from my data, I think I deserve some control over what information is being added to my credit profile. 
HAS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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:
On or about XX/XX/XXXX, I submitted a dispute with creditor XXXX XXXX through a credit agency. Notwithstanding the underlying dispute, XXXX XXXX disagreed with the dispute and instead alerted Experian that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, Experian updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and XXXX XXXX illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. Experian states they report exactly what the creditor told them to report and have no duty to check the information. As I informed Experian, they have the credit report of the last five years and can see when the charge off occurred, without much research. Experian has put in another dispute with XXXX XXXX to see how they respond. This is not sufficient, as XXXX XXXX continues to violate laws in error reporting to the 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 2021-01-29
Company: Bull City Financial Solutions, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Capital Collection Management LLC
State: GA
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:
repeated calls from capital collection management agency about some debt. I don't know the debt or anything, The man calls daily leaving messages. I tried calling back and it goes to his voicemail. I have repeatedly told him to stop calling because I do not owe anyone back debts. 
His number is XXXX He calls and leaves the same message daily

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. Please delete the late payments of XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and report that my account is paid satisfactory as my rights have been violated.

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 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
subject : credit card would not help me with stopping a recurring charges of a scrupulous merchant. 
1 ) monthly charges of {$10.00} is being charged to my account and yet the credit card company keeps letting the merchant charged my account ; 2 ) even if i change the credit card number, the merchant will still be able to charge my account monthly ; 3 ) no matter how many times i called and no matter if i showed them the cancellation form that i got from the merchant ; my credit card would not help 4 ) this has been happening for the last 8 months.

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 2018-02-07
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Continental Finance Company, LLC
State: NY
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:
Complaint Description As XX/XX/XXXX I was affect by covid 19 and was layoff I called card company and explain my situation as apply for XXXX XXXX  among the wait time and they put me on a temporary relief program as my payments were made every month on time prior. The relief program expire as was still not working due stay at home by the governor. 
I assume the relief program was over in XXXX as recieved a call from card company XX/XX/XXXX the rep said I owed {$130.00} this included late fees I think she said other fees I said still not working then said I owed {$52.00} paid XX/XX/XXXX {$110.00} as my bill generally {$50.00} per month and all my payments were on time prior to this, I assumed was next due XX/XX/XXXX as recieve a call today from XXXX XXXX XXXX it was verve collection saying I was more then 30 days late and need {$140.00} as could hear her that good. I explained my last payment XX/XX/XXXX made was {$110.00} that was get me to XX/XX/XXXX as the last rep XX/XX/XXXX did not say I would have to make a payment for following month as I assumed was due XX/XX/XXXX. 
Today rep was said AGAIN being charged all these fees as being affected by covid 19 and not working I asked her was this being reported to my credit report as past due over 30 days she said yes which should have not happen as I'm looking for a new job and every employer check your credit report as I work in finance and this is now going to affect me going forward as we being taken advantage of during theses trying times as looks like verve company is taking advantage of the uneducated consumer. I asked please help me as trying to get back on my feet and making payments to verve card company there looking milk the poor people in a difficult time in a pandemic and make a extra buck while doing so. I see continental finance has prior violations by CFBP before as the company was being monitored and seem like they are doing it again, I keep making payments each month and some extra and every month I'm still over the limit you call the company and they tell you everything is fine but continue charging hidden fees to purposely making make you over your limit. I have reach out to the attorney general office for regarding continental finance illegally business practices but seem not getting nowhere as of today I just got another alert XXXX I'm over the limit again when keep making on time payments and some extra payments seem that I will get caught up.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-07-15
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow ] were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Inquiries from 2017 are still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was previously deleted and has been reinserted on my XXXX credit report without notifying me. 
Midland credit management XXXX XXXX {$2600.00}. 

This item was originally deleted from my credit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
showing late which it shouldn't be showing late payments for the account number listed below. Experian haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 


XXXX XXXX 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 explanation