BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: TX
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: LA
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 noticed unauthorized inquiries showing up on my credit report at each of the three major credit bureaus Reporting on XXXX XXXX  XXXX XXXX XX/XX/22 SXXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 Reporting on Equifax 1 XXXX XX/XX/22 2XXXX XXXX  XX/XX/22 3 XXXX XXXX XXXXXX/XX/22 I have not given permission for any of these creditors to pull my credit report and I believe I have been victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: TX
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called my bank today in hopes to reverse the XXXX payment I made to someone who claimed to be someone theyre not and claimed they help with students and finances. They sent me fraudulent checks that have now been bounced, but had me as a middle man to send money to others. I sent {$500.00} of my own money to a XXXX XXXX XXXX at XXXX and the phone number of ( XXXX ) XXXX I was first met with a very rude person whom I do not know the name of who said they can do nothing, later a very nice woman told me the same thing, but including that each bounced check will cost me {$12.00} each and I deposited two fraudulent checks. There must be more that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Hunt & Henriques
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:
I called the debt collector trying to find a way settle this debt. With multiple phone calls they don't care about you and threaten you in many ways. I am not a lawyer and don't understand a lot of what they say, I asked them to speak to me in language I can better understand. They then threaten foreclose on my property, which I don't have, I rent and live pay check to pay check. In face the company I work for has recently closed and we don't even have a Job at the moment. Then they said that they will impound my car and take more of my property. Its very scary and I don't know how to deal with this situation. They wont listen to me or care about anything I want to say. They are very rude and do everything to scare you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am extremely upset at the lack of communication that has gone on with this file. If you could please take a moment to review the message history. As you can see this entire time ive been given half instructions and little clarification, when I ask a question it doesn't get answered further delaying the file, I had asked at least 3 times if the XXXX and listing history we provided would suffice as the property was on the market a long time with a previous agent so it was on the market at least 7 days but with this agent and XXXX it was only 5. Never any clarification until today when a mls was requested again, corrections to documents for property address were provided several times, etc. I cant seem to get customer service to speak to me on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello my father and I are looking to refinance our single family primary residence. Doing a simple conventional rate and term loan. We have excellent credit and qualify. The process has taken almost 5 months. This company is having a hard time closing a simple loan. This is happening to so many people. No one is doing anything about it. This is dwelling and draining. They keep promising to close every week and never do. This is a shame. It costed us money and energy! attached are the emails i have sent to the company attaching the ceo and leadership to the email and no one did anything about it. 


Hello team, My father and I have submitted a loan application mid XXXX. Both of us have credit scores over XXXX. Refinancing a primary residence, simple rate and term. Plenty of equity in the home. All documents and stipulations were submitted within the week. Appraisal was done 1 month later. Fast forward we are Going on almost 4 months. During the loan process the loan processor was changed 3 times and our file has been kicked around. The process has not been transparent at all. Everytime I reach out, someone says they are going to check on the loan and no one ever gets back. Its getting ridiculous. I was a mortgage banker for over 2 years at loan depots biggest competitor and not one of my clients ever went through this. To be # 1 you also have to consider the client experience. 


Hello to whom it may concern, My father and I are refinancing our primary residence It has been in process for 4 months. I have attached a image of an email i sent on XX/XX/XXXX to touch base and see where our loan stands. Its XX/XX/XXXX. I tried reaching out to several team members involved in the loan process and no one has reached back out. The process has been a horrible experience. The process is not transparent. We keep going in circles. Our loan is a simple loan that is rate and term, plenty of equity in the property, my father and i both have excellent credit. The point of this email is to get a loan closing date or unfortunately we will withdrawl our application and go with XXXX XXXX. ( As simple as push button get mortgage and close within 30 days ). Please understand where i am coming from. The reason i attached leadership of the company on this email is to make them aware of my situation. This is unacceptable. No one looking to get a loan should go through what i have been through! 

Thank you kindly and respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-06-16
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed a loan from One Main Financial ( I believe it is a national agency ) in good faith. The problem started with my monthly statements, and that on the form I never saw the interest being accumulated. Also, the amount that I paid this company is not reflected on my statement either, but a different amount that is clearly inaccurate. By doing this, this has caused me much worry and anxiety from the onset. This should all be very clear to ALL CONSUMERS.I complained to the company about this before and was treated very rudely ; in addition the person used hard to understand financial terminology. As of Today ( XX/XX/2021 XXXX, I again spoke to a loan representative from One Main about my issue/complaint. I told her I did not understand what she was talking about. She mentioned something about a " rule of 78, '' and that I should look it up, When I did look this term up, I discovered it is a scam used by some agencies, and that it was outlawed.

When I told the loan person ( Ms. XXXX ) this and that what the company was doing was illegal and unethical, and she should have been explained to me when I applied and borrowed the loan, she then hung up on me. Before hanging up, she threatened that I will be reported and that I will likely " never get a loan again and my credit will be destroyed. '' By hanging up on me, this just corroborates my stance that I was duped and cheated. I thought this was a reputable company, but I've discovered it is not. I am a Senior on a fixed income, and don't deserve this -- NO ONE DOES. I am hoping that the Consumer Financial Protection Bureau will help me, and work to resolve my issue/complaint. In good faith, I will pay back my loan, but I will not pay this unfair and loan sharking interest this company is trying to pull. This is clearly XXXX, and when the person hung up on me and using evasive terms and actions they are using, well this is why I am writing this complaint in the hope that they stop what they are doing. I know I am helping other consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was given an amount to get my house out of foreclosure that was being auctioned on XX/XX/18. They said included were all fees, attorney, interest, late fees principle etc. I paid the amount on XX/XX/18 and the auction was ceased. When I received my new monthly bill which should have been for just my monthly mortgage payment of {$890.00} they tacked on additional fees totaling {$360.00}. I asked for the quote that was given to me that totaled the reinstatement fee {$9500.00} and was told they can not send that to me even though that is what they quoted and I paid. So I asked also for the tapes from the last 3 month of the conversations between me and Mr Cooper and was told I can not have them either. If I wanted both of these things I would have to get a subpoena from the court to get the quote and tape copies. Lastly, they state they are my mortgage provider than they say they are a debt collector, which are they? 

I was in the wrong on getting back on my mortgage due to different life changing reasons, this is highway robbery that I feel they are doing to me and probably others. Any help that I can get to receive what I have asked for and to get the {$360.00} removed from my account which I really feel I do not owe. I've been charged enough and paid for it. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost my business that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop XXXX points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But XXXX points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop XXXX points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NC
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 inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is 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 over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into 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 explanation
Consumer complaint received 2018-03-31
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was recently sold from XXXX to Mr. Cooper. In the past, the mortgage payment was always due on the first of the month with a 16 day grace period. I have always advance ( electronically ) payed my mortgage payment to be delivered on the XXXX of the month. With XXXX, I never received a late fee, as the payment was received during the grace period. As with all my electronic payments, the day my bank transfers the payment is the day the receiving institution credits my account. Except Mr. Cooper. Even though my bank transfers the payment on the XXXX, Mr. Cooper does not credit my account for 2 to 3 days later and subsequently assesses a late fee. To date, they have reversed the late fee each time, but my concern is that they are defrauding other customers by not crediting accounts the same day they receive payment. This appears to be a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I know I said they closed the account verily I said as sure at one bank to another found that there was money available in my card, and I did call XXXX Citibank, they said there is no reason to believe the card or account has been closed even if the Savings bank side is saying that, but I do tell you do you have a credit, and go back and tell yourself that we will pay you payback for all things lost or misplaced if you just call us at the Citigroup HQ hotline, and the Social Security Administration told me to call Citigroup or walk into the bank first and as it had happened to him this same thing, and he was robbed, and had his money turned back once he had doesn't mind as just pay as normal his bills, then turn to the theory of account managers of the Citigroup, and they said that they will payback any wrongful charges, and I cried until unto SSA and said they took everything even yours and moms XXXX  and he said go and tell the Citigroup, and I said even they most coercive me to give them a chance to sign up for cool relationships and they aided if I wanted a bride status or bribe roam east and then normal will you felt, but now I'd said, that if you just chat when that monthly fee arrives I suddenly will dispute and pay back that {$25.00} a month, and if you find anyone dispute worthy you tell me and immediately we'll pay it back, but they hadn't not for hotel XXXX XXXX of XXXX and all the fees they change the dates for and now you see i had supposed fees for the late fees of nothing actually, because all by now the cards have gone through if there is any excess charges when each corporate said they got the payments for the complete payment for each card as done to XXXX and XXXX and so on and I have written proof now they're all paid off, then we know if they cancel anything they're running a celebrity with themselves, and well see it in IRS, I AM FEDERAL EMERGENCY MANGEMENT NO ONE TAKES MORE THEIR ALLOTEMENT. I have taken photos of all receipts of cards now paid clearly off, and if there is so much as a question, about my life in Credit and Scoring let the winds march forth as in XXXX XXXX, for Frozen, must be your account heads, then says 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 explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mr Cooper ( Nationstar Mortgage ) misreported my credit info to bureau as a foreclosure on my HARP modification. I have called and emailed them multiple times. They have same response every time, we are working on it ... ... Issue haven't been resolved since three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On 3 different dates BTC ( bitcoins ) were removed from my account without my doing to 3 different wallet addresses listed below I did not send funds to this address XXXX Nor did I send it to this address XXXX Nor did I send it to this address XXXX The response from Coin base is the following Thank you for contacting Coinbase Support. Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. If you need a quick answer to your question, please visit our Help Center for more information and help. 
This was on XX/XX/2020 Case Number XXXX Case Number XXXX

Company response to consumer: Closed with explanation