BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: MST Financial Services, L.L.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.

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 2021-01-15
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of Winn Law Group. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively cruel and perplexing. Perplexing because it claims the debt is from an agency by the name of XXXX. I have never heard of XXXX or Winn Law Group in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card which I was unable to make the payments due to unemployment. So the account went to collections and Frederick J. Hanna got the account. So they served me papers around XX/XX/XXXX or XX/XX/2015. So I acknowledge that I owed this debt and would start making payments by signing and getting a form notarized stating I do owe this debt. So I began making payments. In XX/XX/XXXX I set up a payment plan in the amount of XXXX $ /month before that I had pay off the debt by XXXX . There was an additional XXXX $ added for court charges make a total balance of XXXX. Once my payment plan was set up it kept getting cancel for some reason which they would not tell me. So XX/XX/2015 I was upset that they still was sending threatening letters of bring me to court accusing me of not making payments when I was. I just pay the total balance of XXXX over the phone and I received a confirmation number. They took it out of my checking account twice so a total XXXX instead of the XXXX that I owe. Now I ca n't get in touch with anyone none of the representatives will come to the phone. I did my part but I feel like now I 'm being con out of my money. I 'm a XXXX and am trying to move to start a new job. I really could use every dime I have so I do n't wish to be taken advantage of. I used the credit card I ran up the charges I understand and will pay what I owe. But I do n't understand why they are trying to charge me twice and adding additional charges. There need to be some sort of action taken against this firm because of the harassment, threats, and trickery is despicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?

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 2020-03-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX open on XX/XX/395 & And XXXX XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit 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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Problem with personal statement of dispute

Complaint:
Capital One reported me 30 days late despite the fact that every month I had auto pay in place and payments were being deducted from my checking account monthly. However capital one increased my minimum payment by XXXX dollars but failed to properly notify me. They had an incorrect email address on file. It was only after I received a letter from them of the issue, Is when I was made aware of the situation. After which I immediately called Capital One and disputed the charges. However I promptly paid all past due amounts in order so that my credit would not be affected. 
My subsequent formal filing of a dispute with Capital One did not resolve the problem. They denied my dispute and no explanation was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage Servicing Company refused to acknowledge timely receipt of loan modification application for HAMP review due to their failure to timely upload documents in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper purchased my home loan the last week of XX/XX/XXXX. I paid my mortgage payment of XX/XX/XXXX to my pervious mortgage servicer because I had not received any notification. A letter from Mr. Cooper dated XX/XX/XXXX was sent to me, but I did not receive it until XX/XX/XXXX. I followed the instruction in the letter to setup an online account. I discovered at that time, they had my account reported as " Past Due. '' I contacted them immediately and told them that I made the XX/XX/XXXX payment to the previous servicer. I was told they would not charge a late fee, but that I would be reported to the credit bureau if a payment was not received by XX/XX/XXXX. I made two XXXX payments and now I am responsible for the XXXX payment. I provided them with an account history, payment confirmation, and a bank statement and they still will not credit me for the XX/XX/XXXX payment. I have sent chat messages and made several phone calls and they have not resolved the issue. I provided the account history and payment confirmation from the previous servicer on XX/XX/XXXX through the secured messaging system on the Mr. Cooper website. I provided these same documents again along with a bank statement with the mortgage payment highlighted on XX/XX/XXXX through an email to XXXX after a CSR name " XXXX '' told me that nothing has been done with the previously submitted documents. I am always one payment behind because they will not give me credit for the XX/XX/XXXX mortgage payment. I can not afford to lose {$1300.00} because they purchased my loan and sent notice of this action after I paid the XX/XX/XXXX payment to the previous mortgage servicer. They refuse to work with me and only threaten to report me to the credit bureau if I don't continue making this extra payment month after month. I have provided all requested documents and made the extra payments to give them extra time to complete their work. They chose to buy my loan, and even though I had no choice in the matter, I am being threaten with Past Due notices and warnings about my credit when it all goes back to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX open on XX/XX/XXXX  XXXX & And XXXX  XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Tower Loan of XXXX, Louisiana, calls me at least 3 - 4 times a week to try to force me to : 1 ). Make double payments, or 2 ). Refinance my loan I can only pay {$240.00} by the XXXX of each month.

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 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: World Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2016-12-12
Company: Universal Fidelity LP
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTOR KEPT CALLING MY FAMILY AND AT WORK 16 TIMES IN 30 DAYS AND BILLING FOR A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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 sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi Cards have restricted me from speaking to a customer service agent via telephone or " secure chat '' on their mobile app due to a dispute over an annual fee refund. On a recorded line a Citi authorized agent agreed to refund the annual fee due to poor service and lack of transparency. I must note again the event was via a recorded line! In addition they failed to adequately service a co-branded card, which had a legal dispute ... resolved confidentially via the merchant and I. As a 13 year Citi Gold customer I am disgusted they will not let me downgrade or close my Citi Prestige card via online or telephone ( I want a product conversion as a closure would lower my credit score ). They want me to write in to South Dakota during COVID-19 putting myself and family at risk to get stamps at the post office ( unnecessary when staff is encouraged to work from home ). I am outraged that they hold my deposits and three credit cards and charge me an annual fee of {$490.00} for a travel card when travel is essentially restricted to essential work not leisure. Citi should be investigated for putting their premium customers at unnecessary risk during these uncertain times in an attempt to mask their poorly trained staff 's lack of basic service. I think I have a right to challenge a top 4 US bank if they lie and try to cheat a customer ... after taking billions in tax dollars in a bail out. In addition I am a shareholder of Citi and thought the institution learned from their previous regulatory fines.

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 monetary relief
Consumer complaint received 2015-08-26
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CASE # XXXX ( Reply to answer ) I fid it inconceivable that a bank does not know what branch an account number is associated with. The branch is XXXX XXXX in XXXX Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

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 2022-03-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good day, I have tried many times and submitted documents to Norstrom Credit Card Services through XXXX, XXXX and XXXX, informing that I had financial difficulties during the pandemic, I was in XXXX twice and then I was diagnosed positive with XXXX, I submitted probe through the XXXX credit bureaus, Norstrom does no want to removed the late payment from my credit report. 

Thank you

Company response to consumer: Closed with explanation