BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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:
The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediately US BANKRUPTCY COURT- ( XXXX ) FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Nelnet, Inc.
State: CA
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:
I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
As of XX/XX/2019, I got an email notifying me that my accounts have a negative balance of one being XXXX and XXXX. I refuse to owe money to transactions which were not authorized or done by my doing and I will do whatever it takes to get my name cleared.

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 2018-01-28
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my XXXX  's account in XXXX 2012 after returning faulty bedding, Sleepy 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX  's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my 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 2021-11-10
Company: Betterment LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Betterment froze my acct due to what they thought was fraud, it was not and I explained the situation and provided them via email a copy of me and my drivers license as requested a week later and after calling everyday still frozen. I cant pay my bills no one will return calls. Then they ask for my sons Drivers license and him holding it, which we did and still nothing. Its been over a week. I finally get an email today saying they closed my acct and now I have no idea where my money is or how to get it as no one will respond. This is going to make me late on my bills and destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am having a very hard time with Equifax ... no other bureau. Just EQUIFAX. 
Every time I call in and speak to a rep, I get a different story. They are KNOWINGLY reporting incorrect data every month on my report and have been doing so for almost a year. There are accounts reporting XXXX  balances but 120 days past due payment status. Or accounts with XXXX  balances but account status as " collections ''. Clearly these can not be right. The first time I disputed this over a year ago, they verified the BLATANTLY incorrect info with the creditor supposedly ... and just added a statement to my report. I've tried to dispute multiple times since then with no response ( via certified mail and online ). The latest dispute, I made via phone, and instead of deleting or updating the info, they want to open yet another 30 day investigation. Which I think is absurd ... since they've been blasting my credit to smithereens for over a year due to the incorrect reporting. Now they want me to wait yet another 30 days to possibly have the creditor half way look at the details and verify the BLATANTLY incorrect information as accurate. I don't think it's right to continuously report information that you KNOW can't be right ... and then rely on the creditor alone for verification. I've sent them account statements, correspondence from the creditors, etc as documentation ... with no resolution. Meanwhile, my credit is being checked by potential employers and creditors over the past year and getting this WRONG snapshot of my current payment habits. PLEASE DO SOMETHING. After completely sinking my credit for over a year with this inaccurate reporting, the statute of limitations is approaching later this year on these accounts. I requested they be purged from my report 2 months early and got a firm NO. Honestly, it's the least they can do for ignoring the inaccurate reporting of the accounts for over a year. There's been ZERO activity from me on the accounts in the entire 7 years it's been reporting yet it's causing me so much grief. Just delete it. It's clearly wrong and NEGLIGENT to keep reporting it WRONG every single month. 
Also, I can't view my report, submit a dispute or check dispute status online. And when I called in about verifying my identity, the reps tell me they shut down their online support department so now I have to call anytime I want to get a status update or request a new report. Not only do I have to call, I have to speak to someone because their automated system kicks me out every time. Is it even legal to allow such barriers to obtaining MY information to persist? I don't think accessing my information and insuring the accuracy of my report should be this inconvenient, time consuming, and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A TCF employee in XXXX XXXX, MI threatened to refuse to process a charge dispute when I requested to close my account. When I asked for her boss, I was directed to the branch manager. The branch manager continued the threat ; if I closed my account, I would lose my ability to dispute charges and subsequently the money that belonged to me. 

Despite two complaints about this to the CFPB, no one from TCF has contacted me about being threatened by two of their employees. I attempted to resolve this through their customer service phone number. I have yet to receive any direct, returned communication from TCF. 

Twice TCF has responded to CFPB complaints with a {$17.00} refund claim. I have not been refunded anything, nor is that the dollar amount of the dispute. 

TCF refuses to contact me regarding this issue and continues to issue nonsensical responses to my CFPB complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
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: Public record information inaccurate

Complaint:
I filed for bankruptcy in XX/XX/. In XX/XX/7, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX  which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-05-16
Company: EQUIFAX, INC.
State: GA
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 XXXX Reported : XX/XX/XXXX{$6500.00} There is no contract, no valid claim ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received, actually it was given to my son at the door, a summons from XXXX XXXX, XXXX DBA XXXX XXXX informing me that I owed a Medical bill from 2014. This medical bill was sold to them by XXXX XXXX for medical services. 

I live in Washington State, it is a non collection state and I never once was notified that this bill nor advised it was being sold to XXXX XXXX by XXXX XXXX. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. 

When I contacted XXXX XXXX after the summons, they said they have tried over the years to reach me via phone and sent a letter 6 month ago. I have no voicemails from them, and I wouldn't even think of looking at the mail as I don't do business with them nor have a contract with them. XXXX XXXX is saying I owe the bill from XXXX XXXX, plus interest, filling/ex parte plus process fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus has been padding my escrow account & illegally adding thousands to my mortgage. Unbeknown to me until the last couple of years I had been paying their legal fees & other unwarranted fees since XX/XX/XXXX. The bank servicer has been changed to Mr. Cooper this year & they are continuing Seterus theft. I'm sending an amortization print out with what should be balance of an overly inflated mortgage amount. My mortgage amount in XX/XX/XXXX was XXXX until they started their fictional foreclosure. I've reported this to many agencies who do nothing except tell me to get a lawyer. Unfortunately there is no such thing as pro bono & I'm a senior citizen with very limited funds & health issues. Maybe you'll be able to do what you advertise & actually straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
BigPictureLoans set me up with a loan for {$200.00} starting on  XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX , payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to to  XX/XX/XXXX  payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is  Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at  XXXX  /home-line  or  XXXX  /cell-phone..  You can also contact me by e-mail at  XXXX    XXXX   XXXX   XXXX   My name is  XXXX   XXXX   XXXX . my address is  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  Ohio,  XXXX . The original name of this company  is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from   XXXX . to  the present time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A strange note appeared on my credit report about a debt owed to a collections company somehow affiliated with XXXX XXXX. We don't use XXXX. We never have. I have no idea where this is coming from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX SSN XXXX XXXX XXXX. I have been trying to file a dispute with Transunion Credit Reporting regarding hard inquiries on my report that I did not approve. They keep giving me the running around even after I contacted the creditors that pulled my credit report. The companies are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and 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