BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: MS SERVICES LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was charge over XXXX dollars in fees for low funds or no funds. It was sent to a collections agency and showing a negative impact in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
21st Mortgage called me and since last month I was struggling but I was able to make the payment but I let them know this month I need help, I asked for help and I spoke to two representative which started to harass me. I answered the questions and after I told them how much I was bringing in I was told then I could make the payment just like that and I told the person I have other expensive and If they could just send me the application and instead I was sent to XXXX ( Ext XXXX ) supervisor who continue to tell me the same thing and argue with me. It was very shocking to hear how I was getting harass other the phone and think to myself that they base the decision on the conversation or they trying to not help and force the customer to pay there bill. And then I called back and XXXX answered and I told her I would like to speak to someone else and she passed the phone to XXXX ( Ext XXXX ) because I just want them to send me the application and instead I got harassed by another customer service rep and this time I answered his question and then I got lectured that I am not going to be able to offered this mortgage, started to tell me that this is a 23 years loan and etc and I was just listening shocked, and I asked him how did he come up with this conclusion and how is this going to help me being lectured with my mortgage payment. And Mr. XXXX said because you just told me you were going on XXXX because of health reasons. I told him how does being XXXX  making you XXXX  for the rest of your life or even saying I am going on XXXX because of health reasons make you disable for the rest of your life. Mr. XXXX said you didn't mention that you were XXXX and if you want us to work with you, you need to tell us everything. I felt harassed and didn't understand how this was helping me resolve my issue and Mr. XXXX assumed and he didn't ask more question because I good customer rep would of asked so how long does your XXXX going to last instead I was yelled at that why I didn't mention I was XXXX  and I was just shock on how the customer reps took an answered and just assumed without asking more details. In the end I was told by Mr. XXXX that I could pay my mortgage because I bring some income in. That was it, it was based on my answer that I bring some income in. I told Mr. XXXX that I have other things I need to pay or buy for instance food and gas to go to work and pay other bills. Horrible why of helping customers at this time of need ( coronavirus ). If I would of know that I was going to get harassed over asking for help at a time of need I wouldn't of called. Its not right the way I was treated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.

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 2017-08-04
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Who m it may concern, We applied a loan modification with Ditech last year and we 've been paying on time from  XX/XX/XXXX  -    XX/XX/XXXX ( 3 month s trial ) then we got approved and started paying the regular mortgage  from  XX/XX/XXXX  - current. Since then DITEC H ( Lender/Mortgage ) is not rep orting our payments and not updating our accounts to current. We 've been calling them and asking many many times to get it fix because they 're also reporting us to credit bu reau that we 're behind 5 months payments. The only answer that they can give us is we have to wait 2 weeks and they  will call us. It 's been 6 months now and they have never been updated our account and they are still negatively reporting to our credit. I found out that many others having the same exact issues like mine with DITECH. There are past and current class act lawsuits against them and I want to participate. Please help us, all we want is to bring our account current and stop them reporting negative to our credit bureaus. Please you can call me at  XXXX  and my name is  XXXX   XXXX  DITECH Account number  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transition dropped my credit score 28 points today XX/XX/2020 for NO Reason!!!! Its says no changes just decrease. No only have I had to hire a Legal Company/ XXXX XXXX to help me with the dishonest and inaccurate credit reporting this company is doing, now they are dropping scores with no reason, no bad debt added or nothing!!! I want accurate accounts only. Some accounts they report dont even have my social and its a total another person! I can sue for this per LL so Ill wait their action. I want this justified and fixed immediately. Its effected my job.

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 2020-10-31
Company: Experian Information Solutions Inc.
State: VA
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 call this company XXXX XXXX about 2 months ago about a matter they they are reporting on my experian report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my experian credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my experian reports that are fraud and u all no but keep telling experian everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION

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 2020-10-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent multiple letters to the company 's XXXX, XXXX, Transunion Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!

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 2017-08-04
Company: NRA Group, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I see that the account was last reported dated XX/XX/2016, date last active is the same. Was claimed as collection but I see all payment on payment history are OK. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About a month ago, I filed a complaint against Firstpoint Collections for reporting eleven new collections on my credit report, without notifying me first ; or giving me the opportunity to answer for them first. They lied to you in their response, and the eleven collection accounts are still illegally reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.

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 2020-11-02
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: Account status incorrect

Complaint:
In XXXX we filed a ch. XXXX bankruptcy which was paid in full as agreed and discharged in XXXX of XXXX. We had 3 accounts with XXXX XXXX XXXX XXXX included in the BK and those loans were satisfied via the BK but in XXXX of XXXX after our discharge date they started reporting us 13 times late 90 days. This is a violation of the FCRA and I have notified them several times including in XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. Each time they correct it and then report it again the next time my credit is checked. This needs to be fixed permanently.

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 2018-03-01
Company: First Data Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.

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 2020-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2020-07-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello on XX/XX/XXXX I came across a twitter account with the name Lay_Gloski I have been trying to report her so they shut her down. She probably scammed a lot of people by blocking the victims right after receiving money. I genuinely believed she was actually investing money for us to give us back a larger amount. It was all a lie and I just believed it. She mentioned she was with XXXX and would be able to pay us more than we paid her since shes been trading with XXXX. After I sent her the money she asked. She blocked me and declined my money request, my bank told me they would start a claim but Im not sure how thats going to go as normally scam money doesnt come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, a request ( see attached ) was sent to the creditor to dispute the debt. In the letter, the following was requested : Proof of my agreement to pay the debt A copy of the final account statement from the original creditor A breakdown of the total amount due, showing principal, interest, and other charges For all other charges, the date of and basis for each charge Description of the chain of title from the original creditor to present debt owner including date of assignment Records reflecting the amount and date of any prior settlement agreement reached regarding the debt On XX/XX/XXXX, Ally replied with the attached letter. This information was not a verification that I indeed owed the debt.

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 2020-10-31
Company: Seattle Service Bureau, Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had 2 separate accounts show up on my credit report owned by National Service Bureau. One for {$110.00} and one for {$1100.00}. 

I disupted them with XXXX and XXXX  as they were not my debt and I did not recognize them. XXXX  removed it immediately but XXXX has ruled twice that it is my debt. 

I called the original creditor and collection agency and found out someone used my identity to receive healthcare in Utah on XX/XX/2019 and they think it was me. 

I live in Minnesota and have for well over a decade. I have not been to Utah in years and it was not me. I have informed XXXX  XXXX XXXX  XXXX, Nation Service Bureau and XXXX.

They can not have any proof that it was me yet XXXX  has ruled twice that it is my debt and im feeling like there is nothing I can do. I have asked the XXXX  XXXX XXXX  XXXX to dispute it in their system but it would be easiest for XXXX  to remove this since they cant have any proof that it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from 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