BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: MD
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Therefore, I made a complaint on XX/XX/21 on behalf of Experian. Experian responded saying they needed my authorization on XX/XX/21 to proceed with the complaint. I called in to give them my authorization but they said they did not have my complaint on file, which is a lie because I have proof of submitting the complaint. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been more than 90 days. I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

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 2021-12-19
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, My wife had contacted this person " Holistic Healings - XXXX XXXX '' on XXXX to purchase XXXX oil for my husband 's XXXX. He asked me to transfer {$1500.00} for the XXXX oil. So I asked my husband to transfer {$1500.00} to his paypal.account. The money was transferred to this person on XX/XX/04. Please see the attached document. He promised that i will receive oil in 2-3 business days. 

After that he reached out again to my wife on XXXX again saying that your shipment is held by the custom departments of the delivery company and they want more {$350.00} to release the package. The website of the company through which it was shipped was XXXX. When I looked at the website it was a similar to XXXX XXXX and that's when I realized that I was scammed. 

I have not yet received the XXXX oil. I see that this transaction is not yet complete. Could you please help me in cancelling the transaction? I can provide the XXXX chat that I have with this person. 

My paypal id is XXXX and the money was transferred to XXXX. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from XXXX XXXX  informing me that my loan would be transferred to Nationstar Mortgage LLC b/b/a Mr Cooper. The effective date of the transfer was XXXX and the letter specifically stated : If your monthly payment is automatically deducted from your checking/savings account, this service will continue without interruption. 

We had previously utilized this service with XXXX XXXX, scheduling our payments for the first of each month and assumed it would continue. 

On XX/XX/XXXX we noted the payment had not been withdrawn from our checking account and on May 4th we called Mr. Cooper and was informed of the following : 1 ) The would not honor the prior auto pay set up 2 ) We could not use their website as the loan had not transferred and would take up to 7 days 3 ) Although their IVR messages indicate that a automatic payment may be set up there is no menu option to do so and when speaking to an agent they can not set up a auto draft Further when speaking to an agent I was advised I could send a check and although incurring no late fees - the agent could not speak to the interest accrual for the days the payment was outstanding. 

These actions are at best poorly thought out and at worst deceptive : 1 ) Accrual of incremental interest while offering no meaningful option to make an immediate/next day payment 2 ) Failing to honor auto payments as disclosed in the transfer letter 3 ) Scheduling a service transfer to occur when the normal payment schedule occurs on a weekend date - I would advise the CFPB work with its policy making partners to ensure electronic payments are processed and honored for a period of not less than 5 business days post transfer date. 

The actions by Mr. Cooper have contributed to the worst mortgage transfer I have ever experienced - I have had these happen more than 5 times with never an issue this is the first instance where the actions of the receiving service provide appear to intentionally mislead consumers to their own benefit through the accrual of incremental daily interest. 

It is laughable in XXXX to suggest consumers send a check or a data transfer and boarding should take seven days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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: Account information incorrect

Complaint:
I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXX Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that XXXX be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.

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 2023-05-31
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXXXXXX XXXX XXXX account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person.

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 2018-12-12
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
To Whom It May Concern : I was served with a lawsuit on Sunday, XX/XX/2018 by the law offices of XXXX XXXX XXXX, XXXX on behalf of Credit Acceptance. I contacted the law office the following Monday in hopes to settle the debt. They stated that they would mail me a financial statement to be returned to them. I asked the representative ( XXXX XXXX ) if they would cancel the hearing until we got this matter resolved. I also asked her would I still need to file an answer with the court with the 15 day period that was stated on the lawsuit and she told me no ( which was not true ). Had I not filed an answer they would have gotten a default judgement against me. Credit Acceptance declined my settlement offer of {$2300.00} and responded with a counteroffer of {$4700.00} on XX/XX/2018. I contacted Credit Acceptance on Monday, XX/XX/2018 to ensure that once the settlement amount is paid that ( 1 ) the lawsuit will be dropped and ( 2 ) this account will be reported to all three credit bureaus as settled in full with {$0.00} due. I have been told by multiple agents with Credit Acceptance that this account will report as settled with a balance of the difference of the total amount due. When an account is settled it is supposed to show a zero balance. I have asked to speak with someone in the credit reporting department and have gotten the runaround several times. I have asked to speak with supervisors and was told I could only leave voicemails because they do not accept calls. I am willing to settle this account for the requested amount but only if it is reported correctly on my credit report. If it is not reported with a zero balance then they can technically come back and sue me for the remaining balance which is not settling an account. Thank you in advance for looking into this matter.

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 2023-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
My social security has been compromised and used to apply for credit. I received numerous alerts from different vendors regarding credit inquiries for multiple cards and home lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: SANTANDER HOLDINGS USA, 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 information incorrect

Complaint:
It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were $ XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CONTRACT CALLERS INC
State: TX
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 a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Contract Callers Inc. I did not open or authorize the account that you are reporting a balance of {$2200.00}. This fraud account was not opened by or used by me. I've never had any obligation with you or the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting information from Seterus Incorporated since XX/XX/XXXX and Seterus Incorporated has never answered the questions. The following is one of many questions not answered. Please keep in mind a response differs from an explanation and under RESPA ( Title:12 Chapter:27 Section:2605 ) I am do an explanation. 

Paragraph two, Section three of the mortgage signed on XX/XX/XXXX states : Lender may, at any time, collect and hold Funds in an amount ( a ) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and ( b ) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law. 

The phrase a LENDER SHALL defines an obligation. The phrase estimate the Funds due based on current data and reasonable estimates of expenditures of future Escrow Items states that Seterus Incorporated is obligated to look at future events that will effect escrow payments. The payoff of the Note effects future escrow payments ; Seterus Incorporated has NO legal standing to collect escrow payments if the Note has been paid. Seterus Incorporated has the information necessary to determine projected payoff ; in fact I have sent Seterus Incorporated, nearly a year ago, a payment schedule which showed an XXXX payoff. 

THE QUESTION : Why did Seterus Incorporated fail to fulfill the obligation of correctly estimating the escrow funds? Why was the XXXX payoff not considered? 

I do not need another copy of incomplete transaction records. I do not need a explanation of how my insurance and taxes increased. I need an answer to why the payoff was not considered.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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