BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The Notary signatures were not being accepted, after several times submitting them, it appears as though they ( Mr. Cooper ) were prolonging the process so it would benefit them. We were following every process they asked us to follow yet everytime it would be a different story why they couldn't or wouldn't accept the signatures. It was like they were XXXX XXXX, example can't understand the handwriting, the XXXX look like the XXXX, your signatures can't go beneath the lines, the seal is in the wrong spot or it's to high up. We even tried there notary which didn't work because the notary signature ( documents ) never reached their office, ( makes you wonder what heck is going on ). Then they stated asking for documents all of sudden after a year had pasted, which in the beginning of the process I didn't have to submit any documents. I'm just confused and frustrated of the whole process and how it has been handled, this process I feel should not have taken XXXX years to complete. I know interest rates change but once a rate is given or in process it should be locked in at that rate until the completion of the process. Also I was told that the with holding ( forbearance ) money would be attached to the back end of the mortgage. That's why I perceive that this prolonged process will only benefit Mr. Cooper and not me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-07-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/20, I received a text message from Peoples United Bank asking me if I had tried to use my debit card for a purchase at a XXXX XXXX station. While I had not used the card at that station, I occasionally give the card to my son for car maintenance or gas purchases and thought this was a purchase made by him with my card. The aforementioned text message from the bank DID NOT indicate the location of the purchase - a very important fact in my situation. On XX/XX/20, I noticed a charge of {$100.00} on my card at a XXXX XXXX in XXXX, Indiana. Another charge of {$100.00} at the same XXXX XXXX station appeared while I was trying to reach the Customer Service line for Peoples United Bank. I finally got through to the customer service line and talked to a lady named XXXX. I explained the situation to her in detail and while I was talking to her another charge for {$100.00} appeared on my account from the same XXXX XXXX station. At the time of that conversation all three charges were listed on my account as pending. She indicated the charges would be blocked and that the card had already been blocked. Subsequent to my conversation with XXXX, I filled out a claim form and submitted the information according to the procedure stipulated in the form. On XX/XX/20, I received a form letter from the bank indicating they were denying my claim and were considering the charges 'authorized '. Somewhat in disbelief, I called the Customer Service line again, this time speaking to a lady named XXXX and she indicated she would ask her 'team ' to review the file again. On XX/XX/20, I got another form letter stating that they considered the charges 'authorized '. It is incomprehensible to me that this bank could under any form of logic or reason, consider THREE charges for {$100.00} each on the same day at a station in XXXX, Indiana ( a place to which I have never been ) could be 'authorized '. In considering these charges authorized, the bank is insinuating that I have made a fraudulent claim - and I take offense to that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Summary : XX/XX/XXXX - I rented XXXX # XXXX on XXXX XXXX, FL for XXXX. I made 1st payment {$22000.00} with my Capital One Visa card. 
XX/XX/XXXX - Hurricane Ian devastated XXXX XXXX and much of SW Florida. I phoned XXXX support who advised me not to make 2nd and 3rd payments and they tried to reach owner with no luck. 
XX/XX/XXXX - I messaged the owner discussing the hurricane and asking for a refund. He never responded. 
XX/XX/XXXX - I saw the only review for this property dated XX/XX/XXXX entitled, " Unhealthy, dishonest, not as advertised, BEWARE. '' XXXX XXXX XXXX, the reviewer, did not stay there and hired a professional who proved mold infestation. She eventually received a refund based on the mold infestation report. She shared the report with me. I continued to ask XXXX for proof of mold remediation for the next 2 1/2 months. Received none. 
XX/XX/XXXX - I provided photos of the hurricane damaged property & damaged properties to left and right. Witnesses spoke to a man who had been working " for 2 months '' on the hurricane damaged property and he said hurricane water surge had entered the house. 
XX/XX/XXXX - I discovered the property had been re-listed with a new XXXX  # XXXX with the review describing mold infestation REMOVED. I notified XXXX. No response. 
In its Denial Statement, XXXX relies on two reasons for denial : 1- the rental had a " no cancellation/refund '' policy and 2- based on information provided by the owner following Hurricane Ian, the property was in good condition. 
Capital One Visa supported XXXX and discounted my proof denying a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, The XXXX XXXX XXXX called my home phone number and threatened me with a lawsuit. I called XXXX and spoke to XXXX XXXX XXXX. HE TOLD ME THAT XXXX XXXX CLAIMS THAT I OWE {$1300.00} SINCE XXXX. I FILED CHAPTER XXXX BANKRUPTCY IN XXXX AND ALL MY DEBTS WERE DISCHARGED. XXXX XXXX TOLD ME THAT MY XXXX WOULD BE TAKEN FROM ME IF I DIDN'T AGREE TO PAY {$500.00}. I RECORDED THE ENTIRE CONVERSATION SO I HAVE PROOF OF EVERYTHING. I AGREED TO PAY {$250.00} IN XXXX AND XXXX BECAUSE I WAS AFRAID A LIEN WOULD BE PLACED ON MY CAR. I DON'T OWE THIS DEBT BUT I WAS AFRAID OF THIS FAST TALKING MAN.

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 2020-12-04
Company: EQUIFAX, INC.
State: MS
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 have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-02
Company: EQUIFAX, 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 am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I request immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX Balance : {$18000.00} - I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CT
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:
Hello On XX/XX/XXXX I sent out a letter to XXXX, Equifax, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the past week alone I have received no less than 150 calls a day from this company. I have attempted to make arrangements with them but the conditions they are requiring are beyond my financial means. I have asked them to stop calling and to correspond with me through email or mail. This has no effect. Having 30 calls a day is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: PA
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-01-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This company has failed to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that fails to provide verifiable information or the original consumer contract to the account ( s ) they are reporting, those account ( s ) must be deleted from a consumer 's credit report immediately. In addition to that, if a credit bureau is unable to verify information or response to a disputed item within 30 days, they must delete those disputed items immediately off of a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$XXXX} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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:
An incorrect account is reporting on my credit reports XXXX 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 non-monetary relief
Consumer complaint received 2021-07-02
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was forwarded to CFPB by the FCC regarding a scam text message. I do not have unknown outstanding debts and have never heard of State Collection Service Scam text message below : Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply Stop to end

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello On XX/XX/XXXX I sent out a letter to XXXX, XXXX, Transunion I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

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 2022-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery is calling my phone at least twice a day and often with a fake caller ID name. This has been going on at least 45-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX

Company response to consumer: Closed with monetary relief