BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off due to Covid-19. I applied for the pandemic relief through my mortgage in XX/XX/2020 and was approved. Now they fraudulently reported negatively on my credit report. I was never late with them and current when I applied for the pandemic relief. As a matter of fact, paid all that was owed and ended my forbearance plan early. Now for the month of XXXX they added a 90 day late. Again, I was not in default prior to being approved for the pandemic relief program. 

Im attaching my approved pandemic relief letter, the three payments I paid when I chose to call and end the pandemic relief early and paid all payments due during the pandemic on the phone with an agent during the same call of me asking to end my forbearance early, and the credit reporting showing the negative 90 plus days reporting forXX/XX/2020. I did everything right during the plan and called Immediately when j was called back to work and immediately paid and took myself off the plan. I made sure I wasnt taking advantage of the program and in turn they took advantage of me and destroyed my credit putting me in the high risk category for lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: WA
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:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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 am sending another complaint because this account still shows as open and states it has been charged off 37 times on my credit report. I am attaching a picture of my XXXX credit report versus my XXXX credit report. In XXXX the account was closed and held a less amount. In XXXX the charged off account shows as open with a higher amount. It is also now reporting as late payments when before it was showing an N for  negative. You are not supposed to reopen a charged off account. You also should not be showing my payments as late because I have not made a payment to you all since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Receivables Management Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$120.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have filed a complaint against charges made on my XXXX XXXX credit card unknown to me via phone. I was told I would get more paperwork in the mail to fill out, but all I got was a letter from them denying my claim. I have also advised them I do not have my credit card in my possession for over two years now. I moved two years ago and I lost it in transaction.

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 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX PUT A CHARGE ON MY CAPITAL ONE CARD. {$1000.00} I SEND THEM A FAX AND LETTER TELLING THEM NOT TO DO SO IN ADVANCE NO TO DO SO. 

IT IS NOT A AUTHORIZED CHARGE. CAPONE NOT COOPERATIVE RUDE LONG WAIT TIMES I WANT THIS CHARGE REVERSED ASAP FOR {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a computer from Best Buy on XX/XX/19. The virus protection that comes free with the computer was not in the box. The following day I went to a different Best Buy near my son 's home and explained the situation to a gentleman in the computer section. He told me he would give me one at no cost, since I did not receive it, I showed him my receipt. He was unable to do so, he went and got his supervisor whom also tried and was unable to have the register accept it. The supervisor told me I had to pay for it, then they could give me a full refund once it cleared my bank, which was the following day. I used my bank card as credit, and they refunded the {$31.00}, the cost of the virus protection to my Best Buy card, which was not the card I used to make the purchase. There was {$22.00} credit on my Best Buy card due to interest. I want the {$31.00} back on my bank card not my Best Buy card. I also heard it is against the law to put the credit on a credit card that was not used to make the purchase. I have waited three weeks, and the refund has not been put back into my bank account. I called Best Buy headquarters on XX/XX/19 and spoke to XXXX, a manager, he told me to go back to the store and have them give me the refund. I told him that the store made the error of not including the virus protection, and then put the credit back on the wrong card, neither one was my error. Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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:
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.

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 2018-04-25
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.

I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX  service in question. I asked that those details be sent to me.

I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX  stating a balance was owed.

I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX  before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.

Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING c/o RESURGENT CAPITAL SERVICES placed a {$170.00} collection on my 3 credit bureau reports dated XXXX XXXX, 2015 for an account I never received dunning correspondence about. In addition, the original account is past the statute of limitations ( XXXX ). I have complained with the BBB and filed disputes with the credit bureaus as well and would request that this " ACCOUNT '' be " CLOSED '' and REMOVED from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.

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 2021-04-12
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company keeps applying my payments wrong and I have done the math for my escrow balance and expect amounts for my taxes and insurance and they are over charging me for taxes and home owners insurance. I was a prior XXXX XXXX for the State of Missouri I know how mortgages work forwards and backwards and how loan payments are supposed to be applied. I can already tell that the people entering the mortgage payments for this company are not properly trained and are not following policies and procedures. Furthermore, this is the second complaint I filed with the CFPB about LoanCare in 3 month and this company didn't correct how they apply my payments they screwed it up again after " fixing '' their error to my account 2 months ago. This isn't rocket science you pay the the predetermined principal and interest then the remaining payment amount goes into escrow account. Train your employees!

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to TransUnion and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

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 2019-03-21
Company: Experian Information Solutions Inc.
State: TN
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 Card Services is inaccurately reporting to the credit bureaus. To Experian and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to Experian. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
DEAR CFPB For the past 10 months now I've been trying to dispute unverified items on my credit report. I have not got any results of documents verification that accounts belong to me with my signature and social security number on it. According to the Fair Credit Reporting act, SECTION 609 ( a ) ( 1 ) ( A ), they are required by federal aw to verify through the physical verification of the original signed consumer contract any and all account they have post on my credit report. Otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it is in my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the accounts listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be remove the accounts listed below. 
XX/XX/XXXX {$560.00} XXXX XXXX XXXX  XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I purchased bitcoin {$500.00} worth off of coinbase on XX/XX/2019 for a total price of {$510.00} which had a {$10.00} fee assocaited for the transaction. The money was taken out of bank account via ach on XX/XX/2019. I then wanted to send the money to someone via a direct transfer. I was informed by coin base I couldnt send my money until a 10 day business hold had taken place. Which I find unreasonable because the money was taken out of my account. As you know the price of bitcoin flucuates daily. I bought it to send right away, not to hold for 10 days. I then called them an explained my funds had been taken out of my account, and I would like to send it. They told me I couldnt, but said I could sell it and then buy it back when I wanted to send it. This would allow them in charge me two more fees!!!!!! Imgiane how much money they can have on hand to manipulate the market if they do this.  They could have miilions of dollars they have taken out of accounts to easily by and sell to manipulate prices. They told me they couldnt refund my XXXX or even my fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
MyEquifax web page will not send me a email and let me set a new password. 

I can not get them to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, Experian, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. XXXX XXXX is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!

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