BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last year I have made or attempted to make six additional principal payments and every time my mortgage co. ( Mr. Cooper ) misapplied, overapplied or delayed my payments. This happened on XX/XX/XXXX for the amount of {$16000.00}, XX/XX/XXXX for the amount of {$12000.00}, XX/XX/XXXX for the amount of {$15000.00}, XX/XX/XXXX for the amount of {$22000.00}, XX/XX/XXXX for the amount of {$28000.00} and XX/XX/XXXX for the amount of {$35000.00}. As of XX/XX/XXXX, I tried to make a principal payment and the representative from Mr. Cooper is trying to tell me I am not allowed to make an additional principal payment until my XXXX payment has gone through and they only charge interest on a monthly basis, which is not true, I am and will be paying interest on this money daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: CURO Intermediate Holdings
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 lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/19 I contacted Experian, XXXX, XXXX and " ALL '' creditors listed on my credit report to remove " ALL '' 18 unknown inquires from my credit report. I explained that I didn't authorize 'ANY '' company to run my personal credit and that I need the inquiries removed IMMEDIATELY!. I also explained how these inquires are hurting my credit ( FICO SCORE DRAMATICALLY ) it's showing lenders that I'm untrustworthy due to the inquiries I also explained if they look at my credit report my accounts are in good standing except 1 Auto Loan that I'm currently on a payment plan for.These creditors are running my credit report 2 or 3 times in 1 month which is ridiculous dropping my score even more. I was told by " ALL '' 3 credit bureau that will have to call each creditor and ask for a deletion letter. I then called " ALL ' creditors that's listed running inquires. Explaining the situation and was told that on some accounts I'm not even found in there system at all, so they can't give me documentation and the other companies stated that I had to contact " ALL '' 3 credit bureaus to have them removed. This situation is becoming more and more frustrating and more damaging to my credit by the day. Being that I I'm a contractor for CFPB my credit and finances have to be in order. Please 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
Consumer complaint received 2019-10-03
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received Mailer from PNC on XX/XX/XXXX offering {$500.00} bonus for opening a XXXX XXXX XXXX XXXX Link on the mailer was XXXX and took you to this page - https : //www.pnc.com/XXXX  XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX The Full terms are present there. 

Account was opened on XXXX XXXX Contacted PNC multiple times to ask about the bonus and got different answers. 

First time - No Bonus 2nd Time - {$300.00} Bonus 3rd Time - I asked why is it {$300.00} when I signed up for {$500.00}. Rep then has the audacity to claim " PNC HAS NEVER OFFERED A {$500.00} BONUS IN OUR HISTORY '' and refuses to proceed further. 

I am at my wits end. I have attached a screenshot of the offer I signed up for below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: NY
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 have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX put on my credit XX/XX/XXXX from XXXX XXXX for a total of {$1300.00}. And another XXXX of {$1700.00} XX/XX/XXXX. These are not the original amounts of debts that I owe. And Ive never did business with XXXX XXXX. Ive asked them to verify and please delete with disputes letters. And it is still on my credit. And is ruining my credit life. Ive also contacted them. Please delete. I have never done any business with this company. Aslo XXXX a collection for XXXX for XXXX XXXX XXXX. Ive conctacted and made payment arrangement with the original debt owners. So please delete these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
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 2018-08-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never applied nor sign any papers regarding employment with this company. This showed on my inquiry of Experian on XX/XX/2018. This is no more than fraud with out my 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 non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: NY
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 have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the 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 2017-11-19
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX XXXX for a property in XXXX, La. I once lived in a house on this property, but the house was destroyed in Hurricane XXXX in 2005, and all that remains is a vacant lot. Ocwen took over the loan after XXXX. The company has recently been sending me letters about force-placing flood and hazard insurance on this property. I have called them many times to inform them that there is no structure on this property, but they continue to send threatening letters about this insurance. Because the insurance they plan to place covers damage to a structure, and there is no structure on the property, this insurance would serve absolutely no purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Avant Credit Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX.
I have asked for proof of this being my account and have not recieved anything.
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NC
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 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 2018-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one charged me a past due fee then waived. The rep told me that I didn't have to pay the fee with my minimum payment so I didn't. I paid my bill before the due date but found I was charged again for a past due fee. THIS has to stop. I did not receive credit for any of the past due as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: AMERICAN EXPRESS COMPANY
State: MI
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 had my American Express account on auto pay, and like all other auto pays, I was under the impression that that would be continuous unless I decided change it. However, American Express ended my auto pay and didnt notify me that it had stopped. During this time, I had assumed my payments were going through like they were in previous months. After I saw that two late payments had hit my credit, I called American Express to figure out why. They were sending paper only updates to an old address, even though I had specifically called and updated American Express with my new address. For the past seven years that Ive had an American Express account, they had always sent notifications to my business address or my personal email so I was really confused as to why this had all stopped. I immediately reinstated the autopay and paid the late payments as well. I then started the process to lift the late payments from my credit report. To this day, all payments are on auto pay, have been in time, and the account is in good standing with American Express.

I had updated my contact info twice with Amex and the only thing i can think of is that it was never imputed.

They said i had to renew my auto pay but when they said they contacted me they had wrong emails and billing address.

I believe the missed payments were in XXXX and XXXX. I noticed it in XXXX when I saw it on my credit report. Please let me know if theres anything else I can do. I hope to hear from you soon. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX : {$740.00}.

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 non-monetary relief
Consumer complaint received 2018-10-19
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: Personal information incorrect

Complaint:
I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company uses multiple numbers and calls 6-10x a day. I have tried to tell them to stop calling but they barely speak English.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: MA
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, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXX DEPARTMENT STORES {$1600.00} CAPITAL XXXX {$2900.00} XXXX XXXX {$370.00} XXXX DEPARTMENT STORE {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The options on the previous page didn't fit my complaint. It is TRUE that Rent Recovery Solutions ( RRS ) made false statements in a previous dispute with them. That remains a part of my complaint even now. The other part of my dispute with this fraudulent company is that I requested to validate my debt under the Fair Debt Collection Practices Act ( FDCPA ) and all I received was an itemized list of the alleged charges they claim I owe. This DOES NOT meet the Federal Trade Commissions guidelines of what constitutes proper debt validation! Re : the FDCPA, 15 USC 1692g Sec. 809 { b } I dispute your claim and request AGAIN -- that you validate this account, and if you do not, you MUST DELETE it from my credit reports. YOU MUST PROVIDE ME WITH THE FOLLOWING : 1 ) What is the money you say I owe for? 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) Prove the Statute of Limitations has not expired on this account ; 5 ) SHOW ME THAT YOU ARE LICENSED TO COLLECT IN MY STATE OF FLORIDA WHERE I RESIDE ; lastly, 5 ) Provide me with your license numbers and Registered Agent or Agent of Service. RRS you are STILL reporting this collection on my credit report, WHICH IS CONSIDERED TO BE A COLLECTION ACTIVITY. Because you have not validated this account, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I will collect from you by filing a claim in small claims court if you do not remove this ILLEGALLY-REPORTED ACCOUNT from all of my credit reports. In addition, the Fair Credit Reporting Act XXXX FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days.

Company response to consumer: Closed with explanation