BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my va loan. After I refinanced the home in XXXX I set up auto pay with Mr. Cooper, two of the numbers were transposed and the Payment never went through. I was traveling back and forth for two months due to one of my children having XXXX  XXXX and didnt get a late notice until I returned home in XXXX at which time I corrected the issue and caught up all missed payments. I called Mr. Cooper immediately to try to fix the problem and now my credit which has been above 800 for 20 years is ruined. I tried to resolve the issue with Mr coopers research department only to wait 45 days for then to tell me theres nothing they can do. I had a perfect payment history previously. If there is anything you can do to help I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX Amount : XXXX Account No. XXXX XXXX I file a complain against them because, this debt is not mine and it should be taken off by law if its not yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We are in a pandemic and because my contract is expired they are wanting me to pay {$5000.00} as my last Payment or they are going to report me to the credit bureaus as late instead of me making my regular Payment of {$1100.00}. I was told because my contract is up regardless of covid and me being able to afford the additional {$4000.00} for this pay period they are going to report me late anyway. Covid doesnt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a citi bank XXXX XXXX XXXX XXXX. XXXX decided they were switching to XXXX XXXX for XXXX XXXX. I told them I not want an XXXX XXXX Card and I did not want them to transfer my information to XXXX XXXX. Citi Bank said the only way to stop this was to cancel my citi bank credit card. I did this, but I still received a XXXX XXXX Credit card in XX/XX/2018. This means XXXX XXXX was given my information without my consent. Citi Bank gave my information to XXXX XXXX even though I expressly told them not to do so.

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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am disputing this account with Bank of America for the three reasons listed in the attached document. ( Account # : XXXX ). There is no account number present, just XXXX, and I do not have any documentation in my possession to cross-reference the information or verify anything that they are reporting. After each dispute, someone BOA continues to " verify '' this item, which I do not understand how, with the inaccurate and incomplete reporting, which I have further detailed in my attached letter. This company has been furnishing this account onto my credit report for quite some time, and has caused me an immense amount of stress and mental anguish, as well as financial loss. I have no idea what this account is and I can not identify it. I have requested documentation from them on numerous occasions, which was never provided to me. The company also has not responded to me in any capacity, and due to their actions, deserves immediate and permanent removal from 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 explanation
Consumer complaint received 2018-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've tried several times to settle the debt starting back in XX/XX/XXXX they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CFPB already got an answer for this complaint on XX/XX/20 stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 7th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 7 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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: Information belongs to someone else

Complaint:
There is a collection account ( XXXX XXXX ) on my Experian credit report that is the result of a credit card I did not open. 

I've asked Experian to remove this account in the past. 

As the official removal date is XX/XX/2019, I am asking for an early removal of the XXXX XXXX account, taking into consideration my earlier disputes about the account and the proximity to the XX/XX/2019 date. Many thanks.

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 2020-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 I called the XXXX apartment complex to ask them to verify that they had mailed my final account to me, as I had never received it. The XXXX refused to give me evidence of the day and address that they had sent the final account to. Later on XX/XX/20 I attempted to contact IQ data international, and they insisted that The Vue did not have to prove that they had sent me a final account, nor did they have to send me a final account t before sending the debt to collections. I disagreed, stating that The XXXX  was legally obligated to send a final account and to prove to me that they had. This is when the man from IQ Data International started shouting at me, saying that I did not know what I was talking about, and that I had better pay my debt, or my credit report would be affected, and that The XXXX was not obligated to inform me about my final account at all. I feel I was treated wrongly and that the way this matter was handled is very illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TD BANK US HOLDING COMPANY
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:
Nordstrom responded to XXXX  that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and Nordstrom is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to Nordstrom as paid. I contacted Nordstrom XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Bank of America froze my red debit card with no reason

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!

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 2021-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Collection Agency XXXX XXXX XXXX Original Creditor Name GA XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE I SENT SEVERAL LETTERS TO EACH COMPANY CONTACTED OVER 35 times by phone nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX the bank froze my account and took money out of my account never received a notice why this was happening now they unfroze y account but didnt put the money back they took out now Im in negative never got an explanation or anything

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 2021-02-10
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Information being reported to credit bureaus and attempting to collect debt without a HIPAA release of information form for my medical records from myself. They are violating federal law with out this form. I contacted them about it and then they attempted to get me to sign a release of information form after they have already received the collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My account with ace went into collections when my wife lost her job and we were struggling to pay bills and we are back on our feet and currently waiting on back pay from the military for being on the XXXX XXXX XXXX. On XX/XX/XXXX ( which isnt a payday ) my account was withdrawn by ace for {$410.00}. I called in panic and I was told there was nothing they could do by a manager and that he will ensure it doesnt happen again and he will stop the overdraft and that we can do that according to my contract. But I e signed a paper that says I dont want auto draft and he agreed and said he will fix it. Because of that payment I wasnt able to pay rent and eventually had to break my lease and move on XX/XX/XXXX because I couldnt afford all the late fees and double rent and was threatened for eviction. After being told he would fix it I didnt worry about it and would pay the loan in full in XX/XX/XXXX. On XX/XX/XXXX {$690.00} was drafted from my account which is another non payday causing overdraft and my first rent here in our new place I cant even pay rent again, my car note cant be paid again. I have a XXXX year old and a XXXX month old. I looked for my contract and couldnt find it anywhere, I also went to other loan sites from previous borrowers and found my contract but I cant with ace and theres no proof of it so I need to see it. Why on earth would you take money from an account that goes into collections when collections means I clearly am having trouble paying it back, like why?? And the payment amounts are large and inconsistent which is also unfair. The guy told me he would handle it and he didnt and I need that money back into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have several times disputed an account that i noticed at the start of XX/XX/XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XX/XX/XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XX/XX/XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having transunion, XXXX, and XXXX remove this from my report as soon as possible.

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 2018-02-20
Company: EQUIFAX, 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:
I've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 made several requests for investigation and validation of information on my report from the 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 2021-02-10
Company: Progrexion Holdings, Inc.
State: KY
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 was needing some help with credit .com I seen it on tv and then I tried it and my pc said dangerous sight after I joined and asked them to cancel and destroy my personal info and they never responded I thank they are using my info they are not responding but this is what the spammer sent me We detected that your information was found in at least one data breach. 

XXXX, XXXXXXXX XXXX has scanned the internet and detected that your information was part of a data breach. Log in to your XXXX XXXX account for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed this complaint because after several attempts of writing letters to the creditors, I receive no response. I have been sending letters for months now and I have repeated myself over and over again. I need this taken care of IMMEDIATELY and I will do anything to get this issue resolved. The following accounts are not my responsibility : 1. ) XXXX XXXXXXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX  XXXX XXXX XXXX TX XXXX 4. ) XXXX XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX 6. ) XXXX XXXX I have never had an account with either of these companies and they have failed to validate this debt in accordance with FDCPA. I am requesting that the items be deleted from my credit report immediately in accordance with the 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 2020-06-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE SUBMITTED MY ID THEFT REPORT AND THEY HAVE FAILED TO RESPOND IN THE TIME ALLOWED IN SECTION 605B. THEY ARE IN VIOLATION OF 605B OF THE FAIR CREDIT REPORTING ACT. THIS AFTER I WAS A VICTIM OF THEIR DATA BREACH!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: FL
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:
Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

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