BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I disputed this collection, you inturned provided me information from the original debtor showing figures that I believe to be inaccurate and also claims of repair and fix up on items in the apartment that I know where false, as well as unreturnable items belonging to the company as well. 

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. The balance is falsely inaccurate, please remove this account from my report, cause it is very misleading and also a LIE. This is a straight out VIOLATION OF THE LAW and it should go against the integrity of your that company that continues to publish this FALSE AND MISSLEADING INFORMATION IQ DATA INTERNATIONAL - XXXX BALANCE IS INCORRECT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans fails to apply principal-interest payments : Quicken Loans has received principal-interest payments in full but have not applied one or more payments to the loan pay-off. All payments have been exactly in accordance with the mortgage loan contract including the schedule for principal-interest and in accordance with the schedule in the approved escrow agreement. Beginning in XX/XX/2019 separate checks have been issued for principal-interest payments and for escrow payments. All payments have been received on or before the due date by Quicken Loans. Quicken loans cashed the XXXX  payment check that is clearly identified as principal and interest and the check clearly identified for for escrow but failed to apply the principal-interest amount to the loan repayment.

The billing statement dated XX/XX/2019 falsely states that the last paid principal is {$0.00} and the last paid interest is {$0.00}. The canceled check that was cashed by Quicken Loans on XX/XX/19 for the XX/XX/2019 payment clearly stated that principal was {$750.00} and interest was {$700.00} for a total of {$1400.00}. Also Quicken Loans notified the client by e-mail on XX/XX/19 about payment information as follows : Payment received : {$1600.00} ( included escrow ) Total applied : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: I.C. System, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on 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 2019-07-20
Company: NAVY FEDERAL CREDIT UNION
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
All these places show up on my XXXX XXXX I have hard inquires. I have never applied for any credit card or anything. I live in XXXX XXXX XXXX.I have never applied to none of these places. This made my credit score go down eight points. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Home Furnishings XXXX/XXXX Inquiry from XX/XX/XXXX - Bank XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies Navy Fcu Inquiry from XX/XX/XXXX + -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: GB Collects, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This agency sent repeated demands for payment of some type of medical debt to my sons apartment at XXXX XXXX XXXX. I am not aware of nor am I responsible for any debt owed to XXXX XXXX, we have always been on Obama Care. Premiums always paid on time to XXXX XXXX XXXX XXXX. GB has violated my privacy rights by sending threatening letters to my son. I want them to cease immediately!!!

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
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:
I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a phone call from XXXX on XX/XX/2019, claiming to be Sears Credit Services. I was on another call at the time, so I returned the call and was asked for my account # or Social Security #. I hung up, looked up the number for Sears and called them. They tried to locate an account for me, but indicated there were no accounts open with Sears. Since the 800 number was asking for account numbers or social security numbers, I consider this to be a scam or a scheme leading to ID theft.

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 2018-01-15
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I sold roughly {$600000.00} worth of Bitcoin on Coinbase 's exchange XXXX. Anticipating the sale, I previously requested to raise my daily withdrawal limit on XX/XX/XXXX. Since that support request I have received no communication on my request and it is in turn causing me significant complications in my life not to have access to MY money. 

Coinbase has clear directions not to submit a duplicate support ticket for the same issue, however I did reach out to a representative that is active on XXXX to see if he could look into my issue but there was no return communication. Their support line is impossible to get through on as well. I feel that I have exhausted my options from an unresponsive company. 

Coinbase is effectively holding my money hostage as a XXXX interest loan. I bought a house in cash with a closing date on XX/XX/XXXX and I am forced to take out a loan in order to pay for my house now resulting in unnecessary interest fees. Furthermore estimated taxes are due on XX/XX/XXXX and I will be unable to pay the full amount most likely resulting in penalty fees. Both of these things are putting economic strain on my life.

I 've been a customer of Coinbase since XX/XX/XXXX and I 've submitted all proper documentation, I 've also been a consistent customer establishing a known banking relationship with them. It is absolutely unacceptable that they are not responding to my support request and furthermore that they are even legally able to hold money hostage like they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried to open a citi savings account on XX/XX/19. I had recently moved and did not have any utilities w/ address that they requested after the application was submitted. I found this requirement odd for people who recently moved. I called on XXXX to inquire about alternative documents which ended in customer representative saying that they did not want my business. I told her to cancel my application and close the account. She assured me that it was done. 

In the following 2 weeks, I received 2 additional emails to fund my account. I called back to inquire why the account is still open on XX/XX/19. I was informed that the application was automatically extended until XX/XX/19 and there were no notes on the account about my previous phone call or request to cancel the application and close the account. I was then told that I had to wait until business hours to call back so that this could be done. In the meantime, I would be responsible for any charges on the account. 

Extending the application deadline so that my account can incur fees while I was being informed the account would be closed seems like fraud 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 2019-07-20
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My whole life I have been having problems getting credit. My father has been stealing my identity since I was born. There has been tons of jobs under my social and car loans. I never could get a line of credit because had everything under my social. He recently has filed bankruptcy in another state twice and they still havent removed them from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: ERC
State: FL
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:
Hello, On XX/XX/19, I received a notice from my credit report tracking system that Enhanced Recovery Company ( ERC ), posted a {$140.00} collection/chargeoff. I was never notified of any collection activity by this company. They never notify me of this mystery debtor that they would allow me to dispute the debt, before placing any wrongful debt on my credit report.

Company Information : Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) -XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After the major data hack that happened to Equifax in XX/XX/2017, I did sign up for the remedial credit monitoring and protection service being offered by Equifax but to my surprise, Equifax sent access information to my wife only. I waited forever expecting my own log-in credentials to arrive in the mail, it never came. I do not know Equifax 's explanation for this denial of service after having carelessly exposed my data to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-04-04
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports. 
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them. 
I uploaded photos of the signatures from the certified letters I sent to both XXXX  and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I 'm writing today regarding capital One who is n't removing me from an joint account and causing my credit score To look Bad because the perosn ca n't pay there bills and so capital one is reporting I ca n't pay the bill When I 'm not the main account Holder and I have n't even spend any money from this account which belong To My mom So I have asked them to Remove me months ago because my Credit had gotten good and i was n't In need of any help so when I called XXXX my self they told me that they ca n't and I told them Why and they claimed that they Needed my Mom to identify her self to Them because her accounts were locked and so i said ok she told me she sent the email long time Ago and you guys did n't get back to her with anything after which to that they stated they still Messed one more paper. So now after sending the papers in her account Is Still locked and she ca n't use it and I ca n't even remove My self which is bogus and making False claims on my credit report so I Need them To remove Me now this is n't fair and this is n't how capital one should react when I told them to remove it and they refusing too and causing more problems For me for no apparent reason I 'm not asking To use the money ima sling To be removed and there refusing even after they have all the information for my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Malvern Nation bank and us bank in Malvern both closed my account without notifying me of that and then us bank tells me I owe them XXXX and Malvern national XXXX I have told them I was expecting money from XXXX that it would take care of it still haven't received my money because of this as well please help me get this taken care of

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 2019-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I first receive the vehicle it was {$630.00} which my husband and I was willing to pay but in the process we had a XXXX XXXX XXXX which that made me laid off in my has been laid off so therefore I we were not able to pay our bills for two months. I then got in contact with Nissan and ask them is there anything that they can do for me they indicated that there was nothing that cant be done that I need to make a payment. And in the process of that me and my husband XXXX and divorce which left me with the mortgage Car and bills and our children that I love so much. I was struggling I then called Nissan to explain my situation they put me on a plan where my car note is put to the back but then a week later someone called me and told me that that process did not go in that I need to pay the remaining balance in order to keep my vehicle I woke up one morning to take my kids to the daycare and for me to go to work and my truck was not there this is the worst finance company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't 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 2018-01-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX Balance shows {$3700.00} I spoke to the company XXXX XXXX and they told me we can not verified and they requested deletion all the credit bureau. XXXX & XXXX they both followed the rules except Experian when i asked experian and provided the documents they are not responding till now and they got the documents came from XXXX XXXX and they are not even trying to solve this issue and also i have the certified mail copy. 


Secondly, I also got XXXX XXXX {$5000.00} credit card limit and they are not reporting as well when i called XXXX XXXX they told me and provided me the statements that they reported to experian and experian credit report agency not doing their job my uzilization is 126 % which is n't absolutley wrong please fix Asap other companies are reporting accurate information please follow the rules. Thank you.

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 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I do not recognize the following inquiry XXXX XXXX Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

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