BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion is reporting this inaccurate collection on my credit report .. they have re-ages the date of last activity which is a violation under FCRA 605 c running of the period. 

I have no knowledge of this collection as I do not have an agreement with this collection company and I am unware of this balance Transunion also failed to mark this account as disputed on my credit report which is a FCRA 623 failure to mark disputed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: CORELOGIC INC
State: NY
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:
There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX purchased an account from CashNet USA in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

CashNet USA was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with CashNet USA I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive in the range of 3-5 calls daily, no matter how many times I tell them that at this time I can not arrange payment. The calls are made by robo-caller, when answering the calls, an operator asks to confirm my name and transfers the call to a representative to discuss my debt. They use a few different phone numbers, predominantly from ( XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, my wife and I applied for a refinance loan # XXXX with Bank of America. The rate was locked at 2.875 % for 90 days with the estimated closing costs of {$3400.00} which included a lender credit of {$210.00}. On XXXX, supervisor XXXX XXXX sent us an email stating that BOA has denied our loan due to the listing of our primary residence for sale. Supervisor XXXX XXXX never informed us that we should not list our property for sale, even though this was discussed with her. In his same email sent on XXXX, XXXX XXXX also stated " However, if you were to re-apply today I have received confirmation that we can provide you with the original pricing on the loan application that is being denied ''. On this same day of XXXX, our email was sent to XXXX XXXX stating that we would accept BOA 's offer for 'the original pricing on the loan application that is being denied '. On XXXX, we received five large envelopes from Bank of America with new loan documents on a new loan # XXXX. These documents show that XXXX XXXX prepared these document on XXXX. This new loan is no where close to being the same " original pricing on the loan application that is being denied ''. The estimated closing costs are approximately {$3000.00} higher. And, there are other numbers that are not the same. We have also recently informed supervisor XXXX XXXX of this problem, but he seems to not know what is going on with this mess. We did not want to start over and do a new loan. We do want the same figures on this second loan as the first loan.

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 2019-04-16
Company: CITIBANK, N.A.
State: TX
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:
I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Cornerstone Home Lending Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently opened a few accounts at HSBC attracted by a few promotional offers. 

In chatting with the nearest branch VP I accidentally discovered/was alerted to fraud. I was told that some money was being diverted from my account. I was given different numbers at the branch, and the VP refused to put it in writing, but the total missing is over {$550.00} from my understanding. 
From my understanding of the sketchy information I got from the branch, and by calling their Fraud unit from the branch, someone had taken ( stolen ) at least {$500.00} and {$20.00} out of my account. That was around XX/XX/2019. I was told that the bank would have investigated the matter and sent me details of their findings. Instead about a week later HSBC Fraud sends me a note saying the withdrawals I questioned were " authorized '' and the " case is closed. '' So far I have NOT received any written accounting or investigation results from HSBC. I am pressuring HSBC to send me details but none have yet come in writing at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Account status incorrect

Complaint:
XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over XXXX XXXX XXXX. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.

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 2022-01-08
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Exeter Finance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original company was with Exeter finance company on or about XX/XX/2015 and now owned by XXXX XXXX balance of {$9900.00} was changed off. The Debt is to old to Legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
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:
In XXXX of 2018, I re applied for my income driven repayment plan. In XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX for a payment amount that was incorrect due to only half of my loans being processed on the income driven repayment plan. I called in XX/XX/XXXX to fix this issue and was advised that it would be by the next billing cycle and denied forbearance. When I received the same billing amount on the XX/XX/XXXX statement, I called again and was assured that this IDR would be reprocessed and fixed, again reassured that I would not need a forbearance. Meanwhile, the solutions team working on this escalated issue notated my account that there was to be no negative reporting due to Nelnets egregious error. In XX/XX/XXXX, I received yet another incorrect bill and called for the third time to get the IDR fixed. It was finally fixed and I made payments immediately thereafter. I was then reported to the credit bureaus for being 90 days past due on my payments. This dropped my score by 125 points and when I called yet again to get this fixed I was told there was nothing they could do. I have called five times within the last two weeks to attempt to get this fixed again and continue to be denied for multiple different reasons all which make no sense. One of the reasons I was denied  is because NELNET claims that I made no payments during the time the error happened and because my IDR was backdated, there would have been a payment due. How would I know what to send? If I sent {$20.00} and my payment was {$30.00} ultimately, I still would have been considered late. I need HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX After checking my credit reports, I noticed that PlusFour Inc a debt collector had posted eleven medical accounts with credit bureaus as negative. I was never contacted by PlusFour Inc. 
I wrote to them the same day to request a debts validation for all eleven accounts by certified mail # XXXX XXXX XXXX XXXX XXXX and by regular mail. I had full medical coverage since XX/XX/XXXX except for the {$10.00} co-payment that're always get collected upfront and I only visit providers covered by my insurances company. 
XX/XX/XXXX PlusFour Inc refused my certified letter and was return back to me, except the regular mail.

XX/XX/XXXX Second request by regular mail to PlusFour Inc for accounts validations since I didn't get a response. 
XX/XX/XXXX Third request by regular mail for accounts validations - No responses. 
XX/XX/XXXX Received a collection bill from PlusFour Inc for XXXX XXXX XXXX for the amount {$110.00}, bill date XX/XX/XXXX. The same date I wrote back to them by regular mail requesting validation. 
XX/XX/XXXX received a bill again with a XXXX XXXX XXXX account statement showing zero balance, insurance company had settled with XXXX XXXX XXXX on XX/XX/XXXX. This  statement was provided to me by PlusFour , Inc how is that they refused to read this statement and were quick to bill me for something that was already settled. 
XX/XX/XXXX I responded again to them and took the opportunity to request validation for all eleven accounts reported on my credit reports by certified letter # XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX PlusFour Inc refused my certified mail again and continue to report inaccurate information to the credit bureaus. 
It's not fair to the consumers that collection agency chooses what mail to receive and which one to refuse, we the consumers spend a lot of money sending certified mail but, the collection agency due it thru regular mail when is convenience to them. 
I'll be attaching copies of the letters, certified mail receipts, USPS trackings and other documents as necessary.

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 2018-06-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
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  is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX  that it was open on XX/XX/2017

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 2019-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
Experian continues to harm my credit standing and financial reputation without cause. 

I submitted a complaint dated XX/XX/2019 outlining all of the issues : " My complaint with Experian Credit Reporting is their irrational and inexplicable XXXX scoring which manifests in whiplash changes up and down : unjustified significant negative point swings, inconsistent negative/positive point swings, lack of logical justification for negative point swings reductions in scoring for high outstanding credit balances while they send me offers to apply for new credit cards that will only increase the credit balances already criticized. '' My score went to Good from Poor Now in a matter of recent days, they dropped my score XXXX points when my credit history has only improved. 

They dropped it from Good to Fair. from XXXX to XXXX without justification. My credit balances continue to decrease, my revolving debt is {$700.00} with XXXX XXXX. My installment account, XXXX XXXX is down {$2500.00} and my mortgages are current. I just got a new account for carpet for one of my rentals with XXXX. This is all POSITIVE - all good indicators that I am trusted and that I am dilligent in reducing my revolving to extremely low levels. XXXX XXXX, XXXX XXXX and XXXX XXXX are all PAID OFF. The 12 % revolving debt is OVERSTATED. 

Experian should be insisting that creditor relationships update their records daily. The balance on XXXX XXXX is WRONG. It has been paid in full for over a month. Also they are not showing the reduction with XXXX XXXX. But they show when the mortgage has been reducing. 

I am of the belief that Experian is retaliating against me for filing a CFPB complaint. 

I am urging CFPB to forward this complaint record to the Federal Trade Commission. 

Experian should not be allowed to conduct business and hurt good consumers who are working hard to have a positive credit standing. 

THIS IS TOTALLY UNACCEPTABLE. 

Experian needs to be sanctioned, sued - there is no excuse for this treatment to an American consumer as they play XXXX with my life. 

Shame on them! 

This is a disgrace. 

I would like to see all the Experian employees credit scores, I bet they manipulate their files to XXXX. 

XXXX  has me at XXXX XXXX at XXXX There is something serious wrong here with Experian and their processes, logic, and business rules. This is discriminatory, defamatory, and need to be stopped.

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 2019-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Recently requested a credit line increase on one card. Was denied and when I called in for more information was not given any information or help. I proceeded to explain to the customer service representative that I might consider closing the account if there was no possibility for a credit line increase. At this point the phone conversation was immediately disconnected. I logged onto my account soon after to find my account had been closed without any of my proper consent and the customer service representative now says that I authorized the closure of the account when I never did. In short, expressed an interest in closing an account, was immediately disconnected and my account was closed without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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 status incorrect

Complaint:
In XXXX I contacted XXXX XXXX  to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: United Resource Systems, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an outstanding bill with this company. That was never my responsibility. During former disputes I requested debt verification that was never given to me. I also advised the original creditor that the hospital bill in connection with her services where paid in full by the state of Illinois. ( Can provide proof upon request ) she straight out refused to bill XXXX and I never received a bill from her for her services. I also never received a bill from this company before I was submitted to the credit bureaus. There reporting reported once a month adding about XXXX dollars to the collection which I did not agree to nor was I advised. XXXX XXXX recently sent a letter to this company which was returned to my address. They sent debt verification to my house with the original contract and bill from the original creditor this will be sent to the state of Illinois tomorrow. Now with them adding money to the bill it came out to XXXX but on what they sent me and now on XXXX it shows XXXX as in picture down below. I 'm not sure this is legal as I did n't sign for them to do this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation