BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit reporting, credit repair services, 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:
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is HSBC. I shows two different dates of XX/XX/17 and XX/XX/17. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: OH
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 recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-11-06
Company: Michigan Mutual, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I don't know how to even begin this other than the fact I am extremely frustrated and am dealing with brick walls at this point in terms of resolutions. I was awarded from the XXXX XXXX back in lateXXXX, for a full mortgage assistance for XXXX XXXX, at XXXX application number is XXXX. With the XXXX, payments go out on the XXXX of each XXXX  The first payment went out on the XXXX of XXXX. I called around XX/XX/XXXX after not receiving anything and they said the payment was sent and should have been received by then. It is now XXXX the XXXX and still NOTHING from the mortgage company. At this point, I know for a fact Michigan Mutual have the payments and I am requesting they be found and applied. My electric company, XXXX are receiving the payments just fine. At this point, XXXX have sent MiMutual {$6100.00} and this needs to be found and applied. I also demand that MiMutual apply these payments to the FORWARD XXXX balance and NOT the principle. I have called XXXX and MI no less than XXXX times and am getting nowhere between the both of them. XXXX, are just a call center and are unable to provide check numbers, not even the supervisor ( I tried ) can. XXXX are blaming " the mortgage companies '' at this point. So here I am, writing a CFPB complaint in hopes that this gets resolved and fairly quickly AND is not an issue for the remainder of the XXXX XXXX award. Also checked, many times, the loan number and the address ( XXXX XXXX XXXX XXXXXXXX XXXX  ) were verified to be correct. I want someone with significant rank at MI to look into this and find our payments! Thank XXXX we are not in a foreclosure situation, because thanks to THEIR negligence, we would lose the house! 

Recently : MiMutual says they are " reaching out to XXXX to determine my participation in the program '' this is fruitless and baseless. The problem is the fact MiMutual is sitting on checks they have received and not posting them. My " participation '' is nothing to do with them. However, I provided them the application number and the phone number for XXXX and they have obviously done nothing. Terrible mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I refinance my home through a XXXX XXXX recommendation for XXXX. XXXX  sold the loan in XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX sold the loan to Nationstar Mortgage LLC d/b/a Mr. Cooper. This is a criminal enterprise. The private notary that closed the XXXX loan locally was aware that the loan would be sold to Mr. Cooper. I have been provided multiple loan numbers for the Mr. Cooper account. Today, XX/XX/XXXX, I was provided another number, XXXX. They are preventing from making electronic payments through XXXX  XXXX XXXX online banking. They are claiming, that they are not receiving payment. Payment, that I have proof was mailed. I called repeatedly, including on XX/XX/XXXX. During that conversation, the agent requested an email address, that was already on file with my mortgage paperwork. Since that time I have received a daily email, harassing me over one thing or another. One of the first emails was " confirmation '' of a conversation that was never had regarding homeowners insurance. My XX/XX/2021 insurance to XXXX XXXX was paid XX/XX/2021 and was a long drawn out process with XXXX. Mr. Cooper notified that it had not been paid and illegally removed funds from my escrow, double paying my XX/XX/2021 XXXX XXXX premium, underfunding my escrow, which could lead to increasing my payment. Today, I received a letter dated XX/XX/XXXX, from Mr. Cooper stating that my hazard insurance had expired and that they were purchasing insurance on my behalf and that it may be at a higher cost and provide lower coverage. Which is it? Did they pay my XXXX XXXX policy twice or were they purchasing other insurance? They are CRIMINALS! I contacted XXXX XXXX  they have refunded the overpayment of my homeowner 's insurance to me, again, this causes my escrow account to be under funded and allows Mr. Cooper to raise my payment. This company needs to be investigated and closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Monarch Recovery Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Monarch recovery sent me a debt collection and the company is lying about the account and when I made a payment last. This is a XXXX credit account that XXXX XXXX bought after I had a huge issue with XXXX  and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my XXXX account until I get things worked out with XXXX. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a XXXX manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX i got in the mail a letter from Pep Boys and I never got my car fixed at no pep boys and especially not XX/XX/XXXX either so idk who acct they are trying to add on mines

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/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 2022-01-13
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Credit Bureau has violated 15 U.S Code 1666b in continuing to report inaccurate late payments. Please remove all lates from the following accounts, XXXX ACCt # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 2022-01-13
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi Team On XX/XX/2021 I had sold my crypto  Asset GYEN at Coinbase crypto  currency Exchange the status of the transaction was Completed however the funds dint get remitted to USD wallet I made multiple such attempts which failed to remit the funds on to my Usd wallet or allow me to exchange with other crypto asset, my Account was frozen for weeks not allowing me to sell my GYEN crypto coins cash out and this is totally illegal to freez my asset when market was on XXXX XXXX. 

I Need compensation for freezing my Funds for weeks and depriving me from all the profits or opportunities in the Crypto Market for almost 3 weeks XXXX XX/XX/2021 to XXXX XX/XX/2021. 

Also the sell transaction made for XXXX usd needs to be remitted back to my usd wallet. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is 3years but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.

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 2021-03-10
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. 

I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in and staying for over 90 days. Also attaching proof that I opened my account on XX/XX/20 per the email I received from Citi.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.

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 2023-09-03
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX Account Number XXXX, has violated my rights. 

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 -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 -- -- in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

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 -- -- in accordance with the Fair Credit Reporting act XXXX Account Number XXXX, has violated my rights. 

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 ----

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX Account # XXXX Account # XXXX have violated my rights. 
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 an account without my written instructions

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 2021-05-24
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ZIONS BANCORPORATION
State: CO
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 reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-05-24
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi There, The following company Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX called 87 times to collect a collection debt from XXXX XXXX XXXX. Few times I told them that only amount I owe is about {$200.00} and not incorrect amount they are trying to collect. 
I told them to send me something in writing with all the records what falsely claiming for and stop calling. They told me they did send a letter that I never received. Before also threatened to ruin my credit and other actions. This is totally unacceptable from this collections agency. 

After that I started ignoring their calls and now they have put this disputed amount as negative collection on the credit reports. 

I would definitely take action against the bad collection practices this company has. 
We are already going through a very tough times due to Covid-19 related financial problems and these types of companies make them worse. 

Thanks SM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-07-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My family and I had to make a last minute out of state trip due to a death in the family. We put the money for food, travel, and expenses on this card as this was the XXXX with the most usage available after being paid down so we chose to pay on this card to be safe. 

XX/XX/XXXX submitted a payment online of {$1100.00} at XXXX XXXX XX/XX/XXXX called XXXX XXXX to inquire about the payment not posting and received a response after 1+hr hold time that due to a system outage the company can see my payment on the back end but it has not yet posted XX/XX/XXXX XXXX XXXX XXXX  confirmed the {$1100.00} payment cleared the account and encouraged me to contact the company to see if anything could be done before disputing the charge. 
XX/XX/XXXX Called XXXX XXXX and spoke to a representative who stated that it would be 2-3 business days after it cleared so to give it until XX/XX/XXXX. 
XX/XX/XXXX Called XXXX XXXX just now after midnight EST and spoke to a representative who confirmed the payment has cleared but can not be posted and sent me to a supervisor named XXXX who stated that the company expected to have the issue resolved two weeks ago but they are still waiting for the IT department to clear this issue and there is no ETA.

Company response to consumer: Closed with monetary relief