BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refined my home with XXXX XXXX mortgage on XX/XX/XXXX. XXXX XXXX title company XXXX XXXX XXXX did the settlement. Title company sent the funds to Mr Cooper on XX/XX/XXXX and they did confirmation that funds were with drawn on XX/XX/XXXX. Mr Cooper still shows my loan and active as of today and my payment is due on XX/XX/XXXX. As of today two mortgage companies are holding my loan. I called multiple times to Mr Cooper customer service and they are saying they didn't receive pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 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 2023-04-04
Company: EQUIFAX, INC.
State: NY
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of XXXX Money orders of {$1000.00} which totals out to be {$3000.00}. I also made a deposit of {$500.00} cash to my bank 5th 3rd bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location. 

The next day XX/XX/ I went online to check my online banking to pay my bills, and my account is now locked. I immediately then called 5th and 3rd banks customer service and was told that my money orders were fraudulent. I purchased the money orders from a grocery store. 

I went into the bank on XXXX XXXXXX/XX/XXXX just to get my account number to try and pay a bill until I go home and locate the money order receipts, and was also told I cant take any money out of my account or have access to my account until I bring in a receipt. 

I don't mind traveling back and forth through stand still traffic to get them but I have bills to pay and I am now late on my rent because of this. 

I have the receipts of the the money orders I just couldn't bring them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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 explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NY
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:
I am writing to request that the dispute settlement account from XXXX XXXX XXXXXXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ACCORDING TO THE CURRENT FEDERAL CONSUMER ACT, 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ), I DEMAND R & B CORPROATION/ CREDIT CONTROL CORPORATION UNDER FEDERAL LAW AND US CONGRESS TO REMOVE ALL ILLEGAL, FRAUDULENT REPORTING TO MY CONSUMER REPORT AND I DEMAND R & B CORPORATION/ CONTROL CORPORATION TO ACT IMMEDIATELY OR YOU WILL BE SUED IN A COURT OF LAW FOR VIOLATING MY FEDERAL CONSUMER RIGHTS ALSO, ACCORDING TO R & B CORPORATION/ CREDIT CONTROL CORPROATION CONSUMER # XXXX XXXXXXXX R & B CORPORATION / CREDIT CONTROL CORPORATION IS NOT LEGALLY ABLE TO COLLECT DEBT IN THE STATE OF VIRGINIA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: WV
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 over 60 hard inquiries that do not belong to me filed a identity theft report with ftc mailed into equifax with tracking they recieved on XX/XX/XXXX called and was told they dont have it gave me a fax number I have faxed the documents 2 times in last 4 weeks keep telling me they do not have it asked to speak with some one in cosumer affairs was hung up on 7 times I feel like Ive been lied to over and over its causing a lot of stress have had to see a dr XXXX XXXX XXXX and XXXX XXXX XXXX which I didnt have before I started dealing with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2022 chase auto finance opened an account. Upon looking into the installment of the loan. Ive found violations in my contract. 

These companies are in violation 15 USC 1681 602 A, I, 15 USC 1666 B 1 gap insurance 2 interest on the loan 3 the down payment on the loans 4 extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: PA
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:
XX/XX/XXXX an Account was opened w XXXX bank to purchase a massage chair at a local fair. After getting home and realizing the chair would not fit in my house the company was called and the order for the chair was cancelled and XXXX account was closed. This month I received a bill from XXXX for XXXX. I called them and spoke with their fraud dept. the guy I spoke with said he could see account was closed in XX/XX/ 2022 yet their was a purchase on the closed account in XX/XX/ 2022. This is not my purchase and this account should have been closed in 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 explanation
Consumer complaint received 2023-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
When I purchased my car the only information that I was shown was the monthly payment. My monthly payment is XXXX, {$350.00} is going to pay the interest. My interest rate is 16.8 %. I have made 7 on time payments since purchasing my car and no one will refinance the car due to the loan amount of XXXX and the worth of the car being XXXX. I have contacted XXXX XXXX and they will not renegotiate or refinance the car loan. When the loan was proposed to me I was told this was the only company who would finance me and I had a co-signer. I was not shown the interest rate and only asked what amount I wanted to pay monthly. I told the dealer that since my rent was XXXX my car payment should be half of that. I was also told by the dealer that the car, a 2019 XXXX XXXX was the only car on the lot I could be financed for.

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 2022-10-15
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently in graduate school and have been for the past XXXX and XXXX  years. I have applied for deferment with Mohela numerous times and had been given the run around since XX/XX/2021. My XXXX (? ) loans are finally in deferment but despite me asking NUMEROUS times about why my cash loan continued to be require payment I was never given a real answer. It was not until I called this month and spoke with someone again that I was told there was a specific cash loan application ( This was new information to me ). I immediately had my school provide yet another deferment application despite having already providing documentation that I am in school full-time. I just saw they denied my deferment saying the account was 120 days past due. As I said, I have been trying to address this issues for almost and I have numerous emails on Mohela 's website showing my attempts to address this. I received notice this week they have sent my loan into default despite my attempts and providing proof that I am in school. I was denied the deferment despite finally being told that is what needed to happen. Can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo Dealer Services is reporting a debt on my credit file that is no longer owed! I recently had my credit pulled and was notified that Well Fargo is reporting a debt for a charge off This reporting is completely inaccurate!! I paid off this account months ago and no longer owe the debt! This account is causing delays in my home buying process. As a long time customer I am very disappointed to see they have been of no help to me. I need this account fixed immediately and taken off 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 2023-02-01
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: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, FL 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 XXXXXXXX XXXX These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} 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 2023-02-09
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: Investigation took more than 30 days

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX of XXXX I submitted a request for a balance transfer from my CapitalOne Quick Silver credit card to my XXXX XXXX credit card. Upon submitting the request for balance transfer, I noticed that there was an error in the account number I entered and I immediately ( within seconds ) submitted a note to CapitalOne letting them know if this error and requesting an update to the balance transfer request. Capital One acknowledged the change and said the balance transfer would be updated. 

The balance transfer was never completed to my XXXX XXXX. I was charged {$3000.00} the full amount of the balance transfer request, but my XXXX XXXX never received that credit/payment from Capital One. 

After YEARS of writing and calling to find what happened to my balance transfer. I discovered that Capital One erroneously sent a check in the amount of {$3000.00}. I have no knowledge of who they wrote the check out to or why. When I asked where they got this persons name or why they sent them a check when I requested a balance transfer to an XXXX XXXX account in my name, they had no response. I asked them what they were going to do to correct this error on their part and they informed me that I would have to contact the person they issued the check to or the banking institution that cashed the check and submit a request to them. This is completely unacceptable. They have done nothing to remedy the funds they lost/mishandled. They have been unhelpful and have drained hours and hours of my time as I fought to find out what happened to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The loan was in forbearance but they are reporting it as 120 days late as of XX/XX/2020. I am enclosing the mortgage verification from them showing no late payments so it appears that it's correct but they are reporting me delinquent to the credit bureaus.

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 2021-05-14
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Santander consumer USA for XXXX XXXX XXXX XXXX I had 3 years ago I no longer have and they still charging me I been gave back the cart and signed paper XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Report Number

Company response to consumer: Closed with explanation