BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-16
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions 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:
My identity was stolen and misused to open up fraudulent utility accounts at unknown addresses without my knowledge or consent.

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 2020-07-01
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house in XX/XX/XXXX and I have had 2 payment increases one in XX/XX/XXXX for XXXX dollars a monyh and now in XXXX  XXXX for XXXX dollars a month because of escrow .The bank associate for mortgage gives no reason excrpt someone messed up.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My student loan is reporting late payments for XXXX and XX/XX/2017 2017

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 2018-06-16
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: Old information reappears or never goes away

Complaint:
It has now been more than seven years since my negative accounts reported on EXPERIAN were last active. 

By law these accounts should be removed from my credit report. These accounts were sold to sleazy third parties that FALSELY made an account entry to create a false last active date.

Last XXXX I disputed these accounts and the only thing Experian did was to check with the sleazy third parties to see if their false entries were valid ; of course they said, Yes. Today I tried to dispute these accounts again and I was informed that by law I can not dispute an account that has already been disputed.

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 2018-11-21
Company: BMW Financial Services NA, LLC
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:
The XXXX years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Repeatedly calling same friends and relatives regarding my debt. Leaving messages on their phones that I am facing legal action. I called and spoke to a supervisor to request they stop calling friends and relatives but they do not stop. They have called multiple people more than 3 times. The supervisor told me that they do background checks online and they can call anyone who is listed in my background check report. I thought companies could only call third parties once and they couldnt leave messages stating I am facing legal action? The third parties did not ask them to call back, and actually asked them to never call again. But the calls keep happening. When I answer their calls their reps always threaten legal action and use intimidation tactics telling me that I have until XXXX to respond or legal action will commence immediately. This has been going on for many months. I am being harassed by a new agent every three days, as per their internal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my credit card after a return payment was submitted to them. The payment that was submitted was submitted from an account that was opened up fraudulently. I called Capital One and told them that I did not send the payment and to please open my account up as this was a fraudulent ordeal. I told them that I would send the paperwork from the bank and from USPS Postal General. I just want my account back. I haven't heard back at all from Capital One. With this ordeal my credit balance is double its limit and I am in the process of paying the money back as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: EQUIFAX, 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:
I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from Equifax and XXXX. I even wrote follow-up letters to Equifax and XXXX in late XX/XX/XXXX, but those letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018, I received a call from a number I didnt know and I dont answer calls from unknown numbers. I then received a long voicemail that is almost 3 minutes long, completely inappropriate by starting the voicemail out by saying let me tell you doesnt state who he is or where he is calling from until the very end and is raising his voice and harassing me stating if I dont have an attorney, I strongly suggest you get one I have never received such a disturbing call ever! I have saved the voicemail and have his name which is XXXX  from XXXX XXXX for XXXX XXXX XXXX XXXX  ( the clothing store ) I have his phone number and ext that he left. I am very upset and have high anxiety and this made it worse. Very unprofessional and inappropriately handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: FRESNO CREDIT BUREAU
State: CA
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:
These various companies have attached these debts to my credit profile. They are as follows : 1. XXXX XXXX XXXX  {$310.00}, XX/XX/2019 2. XXXX XXXX XXXX {$2100.00}, XX/XX/2019 3. Creditors Bureau USA {$500.00}, XX/XX/2019 4. XXXX   XXXX  {$1000.00}, XX/XX/2019 5. XXXX XXXX {$510.00}, XX/XX/2019 6. XXXX XXXX XXXX {$360.00}, XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have repeatedly told KeyBank I do not want overdraft protection. Recently, my account was garnished and was taken, unexpectedly, to XXXX. Two charges, one for {$10.00} and one for {$8.00}, came in while the balance was XXXX ( I live in the mountains, 45 minutes drive from the nearest branch , drive a gigantic truck which eats gas, and can't simply stop by to deposit more ). 

Not only did KeyBank put the charges through when they should not have, but then they charged me a total of {$95.00} in fees. 

That's {$97.00} in fees for {$18.00} would for charges. That's {$48.00} per overdraft - that I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Upon receiving notice that my loan had been transferred, I received a new list of servicing costs from XXXX XXXX XXXX. The fees now being charged for basic services have all risen drastically. In one case -- fees charged to litigate a claim against me -- has gone from {$350.00} to {$20000.00}. Another fee -- the fee charged to compensate attorney for services rendered -- has gone from {$30.00} to {$35000.00}. I do not foresee the need for either of those happening, but it certainly would be a serious issue were I to need to file a case against my loan servicer. Additionally, even the fees I need to pay if I wanted to refinance and get away from XXXX XXXX ( e.g. appraisal fee, inspection fee, lien release fee ) have all gone from {$0.00} to several hundred dollars.

I was not consulted when XXXX XXXX sold my loan. I am now with a company that clearly wants to keep me as a customer by making my switching costs extremely high. This is completely ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of 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 2015-10-28
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency charging interst rate on judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-07-01
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:
I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, 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 2018-06-16
Company: AES/PHEAA
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:
XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 maxed out a credit card many years ago. Then I could not make payment. Someone else used to take care of my finances. That person filed a court hearing and these people never showed up. The person that was over my finances no longer is and now since 2013 this debt collector has been sending letters, callng after 9pm on Sundays, they have talked down and rude at times making me feel threatened to take my money which is only my Social Security retirement. I have seen their name each and every month on my credit reports that is how they get a new address and my phone number. I do not answer any calls any longer that I either don't know or if it has their name attached. I can not take the harassment any longer. I was diagnosed in May last year with XXXX. Most days I am lucky to be able to get out of bed. I hide constantly in my home because of these people. I have written to them, called them and now I just want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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:
The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  account is deleted with XXXX  on XX/XX/XXXX like its suppose to be, but XXXX XXXX XXXX  shows an active account with transunion report as of XX/XX/XXXX, please delete completely and send me a credit report from the 3 main 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