BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivable Mgmt Group representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2016 amt {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: NV
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 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX -XX/XX/XXXXAmt {$0.00}

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 previously had an account with XXXX XXXX XXXX for XXXX College that was a derogatory account on all three credit bureaus. I paid that account off and it was removed from the derogatory account listing on all three credit bureaus. After checking my XXXX XXXX score, however, Transunion had docked my score 48 points when all others raised my score 50 points. I called Transunion after a dispute  was filed and settled and they asked me to contact XXXX XXXX XXXX   and have them file the account as removed. XXXX XXXX XXXX told me it was filed as removed the first time and they no longer have access to the closed account. They stated that I should contact CFPB here to file a complaint on Transunion as the other reporting bureaus issued a credit for 50 points when Transunion docked me 48 points for removal of a derogatory account that affects my credit score dramatically.

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 2018-04-10
Company: CORELOGIC INC
State: AZ
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:
On XX/XX/2018, my wife contacted XXXX XXXX to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused 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 2022-08-07
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing online goods from a vendor I had met via social media, I had previously bought from this person and they had turned out to be legitimate. I recently sent him XXXX XXXX via cashapp for an online program but did not receive it at all and they ignored me. I already marked the transaction as a scam on cashapp and requested a refund. I also sent support a message asking to dispute the purchase but I read online that cashapp does not usually give refunds for scams or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to have an account with XXXX XXXX XXXX and my account was closed in XX/XX/2020 and the amount was XXXX. 

They sell my debit to q company called midland and this company its playing with my credit after I filled a disputed in XXXX and XXXX XXXX After any disputed they include a extra dollar in my debts they are trying charge my XXXX $ and they put my closed account was XX/XX/2020! 

I ask than to put the right information but they laughed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: U.S. BANCORP
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I use XXXX XXXX XXXX in 2005. I just had my XXXX  child and I accidentally overdrafted my US Bank account by {$0.00} on a purchase on a Friday. I didn't work the following weekend and was completely unaware of the fees being {$35.00} a day on weekends. By the following Friday when I went to the bank to deposit my weekly earnings, they told me I was {$120.00} negative. I simply couldn't afford that because of the baby. I told them I wanted to close my account so I didn't get more charges and they refused saying it couldn't be closed until the amount was paid, so I left. 13 years later I'm woken by a phone call saying they are trying to serve me legal papers with intent to sue for over {$3000.00}. Clearly this should never happen and I don't think being forced into bankruptcy should be legal.

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 2018-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to TransUnion, XXXX, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.

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 2020-10-10
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a direct express card. My card is locked, I access my money. I called on XX/XX/XXXX talked to them did what they said, for 8 days no one has answered the phone. XXXX dollar on my card I can't get, my elec. and water shut off. Still can't get an answer from Direct express customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.

This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me  proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. 

I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: FL
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:
Hard Inquiry This account shows on my Equifax. This account is not a legitimate inquiry. Nor do I have an account with them. I have contacted both the company and the Bureau. The creditor never responded and neither did Equifax. Equifax is not reporting accurate information and is stopping me from getting a Business loan. 


XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: NJ
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 disputes negative informatiom with the credit reporters about and XXXX  account with XXXXXXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought out by Mr Cooper several months ago. They knew that my property tax payment was due on XX/XX/XXXX but did not pay even though there was nearly double the amount of tax due in escrow account. When I got late notice from town office, I contacted Mr Cooper through online messages and phone calls and finally 2 weeks later, they finally made the payment. They list my next tax payment due on XX/XX/XXXX even though it is actually due on XX/XX/XXXX. They also did escrow analysis and created an overage because they don't have the next payment date correct. This will lead to a shortage later. I do not trust this company to handle my loan and I never chose this company to handle/service my mortgage. 

What is my recourse? I will continue to pursue every possible avenue including a class action suit with other people experiencing the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Home Point Financial Corporation
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This email was sent to Home Point Financial and explains my complaint : After trying to call you on multiple occasions and being disconnected after 30 minutes of wait, I finally reached a voicemail and left a message about a letter you sent me that said I missed a payment, I have never heard back from you and it has been several days. I have never missed a payment on my mortgage and since you bought my loan nine months ago all of my electronic payments to you through XXXX XXXX have gone through. The last payment was credited to you on XX/XX/XXXX and I am about to send another payment for XX/XX/XXXX but I need to hear from you so that you can figure out why I was sent such a letter. If I dont hear back from you today I will be making a complaint to the CFPB about your practice of collecting my funds on time while trying to get me to pay an additional payment and late fees on a bill that has already been payed according to XXXX XXXX. Nothing has changed in the way I pay your bill electronically through XXXX online banking and you havent sent me anything that would indicate a change on your part. 

It is sad that you can not be reached by phone or through the internet as both where tried on your established phone numbers and website. You should be ashamed of your business practice of being unavailable after you send out erroneous late letters in order to prompt additional payments and fees on mortgage payments that are not late. I would contact the XXXX but I see you are not a part of that organization for obvious reasons. I hope I hear back from you quickly before I start contacting the state and federal resources that will answer the phone and assist me in getting you to respond about you erroneous late payment letters to home owners that require them to make another payment with erroneous late fees. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Nelnet, Inc.
State: FL
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 I received notification that I would be getting a refund from Great Lakes Borrower Services for my student loans that were discharged for XXXX XXXX XXXX XXXX. The amount refunded was {$21000.00}. 

Prior to this I was notified by Nelnet and the US Department of Education that I qualified for the XXXX  discharge ( XX/XX/XXXX ). This was effective on XX/XX/XXXX. 

The letter states that " In addition, all payments on your loans received after XX/XX/XXXX, including payments collected through wage garnishment or Treasury offset, will be refunded. '' The second letter states " Your loan holder ( s ) will transfer your loan ( s ) and will return any loan payments that were received after your XXXX date to the person who made the payments. For this purpose, your XXXX date is the date SSA informed the Department that you were XXXX XXXX XXXX XXXX. '' In total from my statement from Great Lakes between XXXX - XXXX I made 14 payments totaling {$9300.00}. I've called Nelnet and Great Lakes several times only to be sent in circles. Nobody will give me information as to why my total payment amount was not refunded. Nelnet tells me I need to contact Great Lakes because they were the one to issue the refund and have my payment history. Great Lakes is saying they can't do anything because my loans were transferred to Nelnet. There is no proper documentation for the amounts I was refunded. When I received the refund I got several electronic transfers some for as low as {$7.00}. I never made a payment for that price. 

It doesn't make sense why my payments were not refunded and it seems like Great Lakes and Nelnet are just trying to ignore me. It frustrating and upsetting because yes my loans were forgiven but that money I paid is gone when it could have went to savings. 

Today I learned that Nelnet bought out Great Lakes yet they both seem to know nothing about my loan payments and refund. I really want to get my payments made refunded or at very least understand why I did not get the full refund. I would also like to know how my refund was calculated - why did I get a refund for {$7.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called Toyota Financial Services and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18  months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.

Company response to consumer: Closed with explanation