BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: SIMM Associates, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX and I am writing to XXXX and SIMM Associates , Inc. regarding a debt claimed to be owed by me. It is claimed I owe {$200.00} when this is not true. XXXX attempted to send funds using a card that I had suspended due to theft and fraud. When they found out that this card was not functioning, they sent {$200.00} anyways and claimed that I owed them this money. XXXX did not consult me on sending funds on my behalf and did so without my permission. 

I disputed this transaction with them then and I am disputing it now. Through their own internal review of this transaction they still have been calling me and emailing me incessantly to pay an amount they sent without my permission. I do not owe these funds and I want this debt collection case dismissed. 

There are multitude of class action lawsuits against XXXX at this present moment regarding these issues. This is not okay to do this to consumers and users.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Logged in multiple times to lift freeze for a specific date says cant do it online and to call, says to call, called multiple times. No one answers the phone. I cant get any help. Only open mon thru frid. I am a XXXX and dont have business hours. I have my pin and everything. No reason I cant unlock my report! We dont need any of these agencies if they cant work with their customers, every thing should be opened 24/7 especially during covid when all you are at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AES/PHEAA
State: MA
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:
On XX/XX/XXXX XXXX sent me a notice that they reviewed my loan balance to " ensure accuracy '' and determined that my loan balance was to increase {$14000.00}. I had to calculate the increase to the principal myself, as it wasn't included on the notice. I called XXXX on XX/XX/XXXX to request documentation to explain the logic of the increase and prove that the amount was correct. I was told by XXXX ( Employee # XXXX ) that he could explain the increase to me but could not provide any documentation. He explained that XXXX made an error and did not correctly capitalize the interest to my loan while it was in forbearance, prior to them processing the paperwork for my an income-based repayment plan. ( I filed an complaint w/ CFPB about IBR and the time it took them to process that paperwork -- complaint # XXXX ). It's unclear to me how a servicer is allowed to add to the principal of a loan without providing documentation. 

I've attached a copy of the XX/XX/XXXX notice from XXXX as well as a copy of my XX/XX/XXXX IBR approval, which lists the amount of both my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-02-09
Company: EQUIFAX, 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:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.

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 2021-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous accounts that are NOT related to any transactions done by me showing up on my report. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy in XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX who stated they are not reporting anything negative and according to their records my balance is zero. A collection company stated they brought the account from XXXX XXXX and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with Portfolio Recovery or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX shows only on XXXX with a XXXX closed account balance. 
account was open over 5 years ago. The information of having a XXXX XXXX account XX/XX/XXXX is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
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:
I'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX Inquiries-XXXX, XXXX  XXXX  XXXX, XXXX , XXXX-XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX/XXXX, XXXX   I, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office

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 2018-07-05
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: Account information incorrect

Complaint:
XXXX XXXX knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with XXXX XXXX and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a XXXX XXXX chooses to arbitrarily punish its customers. This was abusive and wrong.

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: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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 XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On XX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.

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 2021-02-09
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper, the mortgage company servicing my mortgage loan has reported " 1missed payment '' to my credit history which is absolutely incorrect. My monthly payments are always made on time. I have been making my mortgage payments through the same bank for years, and all the records are there confirming the validity of my complaint. I have spoken to numerous agents at Mr Cooper to no avail. My last call was with XXXX XXXX on XX/XX/2020 who said someone would try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
CapitalOne is a fraud I made payment by the statement date and was still charged interest. I called to get the interest charges refunded but customer service agent lied and didn't provide correct information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to re-implement the security freeze on my credit report with Equifax. I logged into my account and received the notice that " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details ''. When clicked, I am instructed to call. I have now called three times. I can not get through to any representative because the security questions I am being asked are not about me - i.e. you opened an auto loan in XX/XX/2017, who was it with. I do not have an auto loan and never opened one. Then the next question is how much the loan is for! I can not get through to a rep without verifying, but the info they are attempting to verify me with is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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:
XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them 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 2016-04-22
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is mine.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.

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