BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a letter in the mail saying I need to call the company because I was in debt to my college. After this i called them and set up a payment plan. I then received a call on XX/XX/XXXX from a blocked number. This was the agent that I set up the payment plan with. I did not answer as I usually don't answer restricted calls. XXXX, the agent, then left a voice mail that i need to call her back not stating she was a debt collector. I tried to contact XXXX after work on XX/XX/XXXX after receiving a call every day of the week, but she didn't pick up. I left a message saying that i was not able to receive calls until after XXXX. XXXX continually calls at XXXX XXXX  after I have told her that I was not able to receive calls at that time. I find it extremely frustrating to get calls from a blocked number and constantly calling when i am working.

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 2020-05-30
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Santander Consumer USA does not report my monthly car loan payments to XXXX, XXXX  and XXXX. Nothing shows on my credit report about any payments being made to Santander Consumer USA.I have been paying Santander {$340.00} a month  since XXXX and no payments have been reported.I have contacted them twice. The first time ( XX/XX/20 ) they told me they always report everything. The second time ( XX/XX/20 ) they told me he didn't know if they reported it and he didn't have access to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
after maybe 3 months or so i finally was able to sit and thoroughly go through my bank statements which is when i did notice multiple un authorized transactions on my acct, i understand the time frame does lessen the validity of the claims but i have had more than {$20000.00} in this account which made it very difficult to try keeping up with purchase, each claim i filed you denied which makes me feel you didnt thoroughly investigate, prior to filing a claim i reached out to the merchants and were unable to resolve them, i provided you with the person name phone number and address for whom i believed made these un authorized purchases .Even took the precautions to get a new account number. the claim amounts were {$170.00}, {$41.00}, {$170.00}, {$200.00}, {$200.00}, {$1400.00}, {$170.00}, {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 XXXX I sent XXXX XXXX {$190.00} via CASH APP for a XXXX XXXX XXXX edition. The item and profile was listed on XXXX. The XXXX profile name was XXXX. She then proceeds to tell me package should arrive in a few days. a week almost passes and package never comes i then tell her to give me the XXXX  tracking number and it turns out to be invalid. I then tell her to send me my money back via CASH APP. She makes excuses and says it wont go through. I even requested it back and still it wont got through. I give her my XXXX info to send it through and she says it still doesnt work and tells me to make a email with password and send it to her. I have yet to receive my money and XXXX. I called XXXX who I bank with and they tried to despute the charge but They reversed it XX/XX/2020. XXXX said they cant help me with anything. CASH APP says they cant offer refunds contact the recipient, but that doesnt work either. XXXX XXXX CASH APP name is $  XXXX the mobile number used was XXXX XXXX XXXX XXXX XXXX. Plz help me my account is - {$200.00} I just want my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/, i applyed for a XXXX XXXX credit card to pay for my transmission, i was aproved. Equifax, XXXX, XXXX, doct me 62 points. 
i have no other credit cards. 
XXXX, the credit card sent me my first payment, the credit ajency, doct me 90points!!!!!!!!. i was already penalized for the card already. 
i have paid on time, all personal banks loans on time. i have one payment left on a loan in XXXX. i have not over exstendted my credit and have a 3 year clean excellent payment record. i am tired of them messing with my credit and my person. XXXX the credit brueu, doct me 43 points for a hard pull from XXXX. the person who did this, did the pull without my permission. 
i sent names dates, and proof. certfied receipt, filed a dispute, they never answered my dipute, nore salved the problem. its been on my credit. its supose to come off XXXX, i have indured there ilegal non regulated actions aginst me long ENOUGH i want them to stop hurting my credit efforts and hard work. they have unfairly removed un reasonable points from me, and twice for the same thing. 
THIS IS A FORMAL COMPLAINT, AND I WANT THEM HELD ACCOUNTABLE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: United Resource Systems, Inc
State: MI
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:
Collection company refused to verify their authority to collect on a false debt created by ex employer, which has nothing to do with extension of credit or my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
for over 2 years I have not even able to get my Experian credit report and on XXXX XXXX my XXXX  has not updated since XX/XX/2015

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 2020-11-30
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX  to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-30
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:
I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. XXXX/XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX I've attached a copy of my state issued ID both front and back as well as a copy of my social security card.

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 2021-11-02
Company: Heartland Resolution Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Heartland resolution group calls my phone repeatedly. They call multiple times over the course of a few minutes, then call back again multiple times within the next few hours. Please see below documentation of XXXX XXXX phone number in call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called XXXX XXXX to ask if I would be considered for a VA loan even though they had written off my second lien in prior years due to my inability to continue payments. At that time my commanding officer did send the bank a letter explaining a problem with the facility that was issuing pay. 

Prior to having my credit report pulled I wanted to be sure I had a chance to qualify.XXXX told me it would be based on my current situation I was confidant because my credit score was now XXXX. Irecieved an e-mail 24 hours later requesting w2 bank statements etc. I waited a day called to be sure they received the info and was told by a loan officer that they would never consider me because I defaulted on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote and called and contacted Dovenmuehle on XX/XX/XXXX and to date, have received no response. At that time, the agent on the phone state they had not received my payment and that I would be assessed a late fee and credit report if I did not make a payment that day, even though my payment had processed on XX/XX/XXXX. She said I should make the payment and then it could be straightened out later. It is six weeks later, and Dovenmuehle still has not " straightened it out '' and my additional payments are not anywhere to be found applied to the principal nor that a payment should not be due until a later date. They have not responded to two emails, and when I call, I am told to write an email! So, I have had -0- response and am paid ahead by {$1000.00}. Dovenmeuehle does show all of the payments but does not show that they have been actually applied to MY MORTGAGE. Furthermore, they have he address of my property INCORRECT and they have not responded, nor corrected the address to reflect : XXXX XXXX XXXX- instead, it shows as XXXX XXXX. I have asked them to correct this three times, again- no response and no changes. 

Payments were made on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX as a direct result of your agent stating no payments had been received and I was past due for the full amount. 

XXXX XXXX This is a total of {$2700.00}. I am paid ahead XXXX Where are these payments?? Your amounts do not match nor has it been applied to my principal, nor does it state that XXXX amount is due. this is ridiculous that have had -0- response in six weeks. 

FIX MY BALANCE AND STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred from XXXX XXXX to Specialized Loan Servicing LLC. as of XX/XX/2018 I have not receive the information of where to submit my payment. I called and was not able to speak with anyone. When i call through the automated system they do not recognize my original XXXX XXXX account number. If i send a check to that mortgage company and they do not recognize my account how ca i be sure my payment will go through? this change has been a disturbance to my family. We are uneasy of what is next.

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 2020-05-20
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Marcus.com ( GOLDMAN SACHS BANK USA ) account was locked after I initialized an outgoing funds transfer on XXXX XX/XX/2020 to another institution. I realized that the account was locked on XXXX XX/XX/2020 after trying to login online and immediately called the customer service line to in an attempt to have the issue resolved. After over 90mins on the phone, and being transferred to a " specialist '',  the matter was unable to be resolved. I was told that I would be receiving a call back in 24 hours.  This never happened. I subsequently called back on the XXXX and XXXX of XXXX only to be told both times by a specialist that the account was under review and it would take 24-48 hours to unlock the account. To date, the account is still locked. I am not able to access my funds and the funds have not been received at the other intuition that I requested the funds be transferred to. I have also never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX recently reported a collection account at the TransUnion consumer reporting agency - on behalf of XXXX - in the amount of {$1600.00}. They were notified that said account was fraudulent on XX/XX/2020. Thereafter, a dispute claiming fraud was filed with the consumer reporting agency. 

XXXX XXXX XXXX  and TransUnion have ignored my claims of fraud notwithstanding several complaints, disputes, and the issuance of a fraud victim statement.

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 2019-02-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've gone through the credit I've noticed a few collections that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-12-11
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX XXXX a friend sent me {$5000.00} through PayPal. Now PayPal isn't letting me have my money. Although I have done all that is required for me to do. They are trying to steal my money and I can't do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 2020-05-20
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XX/XX/XXXX at XXXX Hospital XXXX in XXXX XXXX, Florida, with anesthesia services provided by XXXX XXXX, XXXX ( XXXX ). The claim was sent to our health insurance, XXXX  XXXX, and we were found to owe {$1000.00}. We received a bill from XXXX for this amount, which we paid in full online on XX/XX/XXXX via American Express. On XX/XX/XXXX we received a collection notice for this service from Frost-Arnett ( XXXX ) in the amount of {$1000.00}. We explained at that time that the bill had already been paid in full. Since then, we have received 4 or 5 additional calls from Frost-Arnett attempting to collect on this debt that had been paid in full prior to receiving any communication from a collections agency. After contacting XXXX several times to correct this situation, we received a letter from them dated XX/XX/XXXX stating we had a XXXX  balance on the account and were assured that the issue had been taken care of. We received another phone call from Frost-Arnett today, XX/XX/XXXX, again attempting to collect on this previously paid debt. We would like for Frost-Arnett to cease and desist in their harassing attempts to collect on an already paid debt. Additionally, we are requesting a letter in writing stating that this debt collection attempt was made in error and will not affect my credit.

Company response to consumer: Closed with explanation