BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing with XXXX and TransUnion about the incorrect accounts and information on my reports since XXXX of this year ( XXXX ). I mailed letters to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute these items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to investigate and respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The accounts are still reporting incorrectly on my report. I even sent some of my letters certified because I needed to know if they were getting my letters in the first place. These are the tracking numbers : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX ... 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / TransUnion # XXXX XXXX XXXX XXXX XXXX It has been months without receiving a response. As a consumer, I feel this is unacceptable. This is my life that XXXX XXXX, and Transunion are disregarding.

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 2022-04-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Mr Cooper Mortgage Co. After setting up my automatic withdrawl for payment with them, they proceeded to take multiple payments ( 3 ) out of my account the first month. It took several calls and numerous months to fix this simple issue. 
Secondly, I made several extra payments in order to pay my loan off quicker. I paid my 15 year mortgage loan ( # XXXX ) off in approximately 50 months. In late XXXX of XXXX I called to get a payoff amount on my loan. The representative told me there would be a {$35.00} charge to get that information. I laughed and said are you kidding me? Out of principle I did not get the exact payoff amount. Instead I chose to just pay as I recall about {$88000.00}. on the balance of roughly XXXX Assuming interests and escrow balance would wash out the following month. If I owed a few extra dollars than Mr Cooper would adjust my account and I would pay it the following month. Likewise if Mr Cooper owed me than a check would be issued to me. I waited several days and went on line to check the updates made to my account. A message instead came up on my account and said CONGRATS YOUR LOAN HAS BEEN PAID IN FULL. No numbers or statements were available for me to review. I called Me Cooper and they told me on at least 5 different occasions that the balance was XXXX. No money was owed to either party. Two supervisors even stated this to be the fact. I let them know this was impossible. After all there was a couple thousand dollars in my escrow account at the time of my final payment. I thought about calling an attorney but thought better to allow this company to rectify the matter. Again upon calling i was told i owed nothing nor would i be refunded any dollars. I told them that's impossible. I randomly picked a dollar amount and made that last payment and it worked out exactly to XXXX. Sounds a bit fishy to me. I received a letter date XX/XX/XXXX from MR Cooper. It contained my loan number, full name and property address. It also contained a Customer Service number to call. I called it and made reference to the statement in the letter that Payments and interests were not properly applied to my balance and that I would be receiving a check under separate mailing for the difference. No amount was given nor was there a date or timeline. In fact the representative told me he saw no record of any such letter. The hits just keep on coming!! This seems ridiculous to me. I paid my loan off in the end of XXXX of XXXX and I am still dealing with this inept company. They should be fined and reviewed for other errors. I am sorry to complain but I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is capital one is was close on XX/XX/XXXX of 2021, the amount of the account XXXX I try to dispute it and told them the someone else one open the account and they really didn't do anything about the situation. 

This is XXXX XXXXXXXX XXXX  it was Closed on XX/XX/XXXX of 2021, the amount of the account XXXX I did the same for all three of them. 

this is XXXX XXXX XXXX  is was close XX/XX/2021 of 2021, the amount of the account XXXX when they call I told them that is was a identity theft but. they didn't t believed they thought I just was to get out of pay of the debt. when I got card I just rip them apart and throw throw them away and recent I think homeland Security call to talk to me because someone was file fraud against me when some else using my information was and I have two checking account close as-well it was XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in 2019 and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to XXXX XXXX and they stated that I could not dispute this because a payment was made in 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I accidentally paid off the full balance of the account. I recently sold real estate and had cash on hand and was attempting to make larger payments against my revolving credit. On XX/XX/XXXX I received notice that my account was closed. I called the company and they advised it was closed to to credit concerns. I was maxed out on my revolving credit, had collections, and delinquencies. I advised truthfully that this had been the case for over 5 years. I advised that I was trying to correct this issue by making larger payments and paying off a significant portion of that debt. They advised they would not reverse the decision. I have been a customer if the credit card for over 20 years. They incorrectly received the full balance and therefore made the decision to close the account. Extremely predatory lending. Advised that the payment was incorrect I would be disputing it with my bank and they needed to reopen the account. They advised they would not. They stated that I could reapply. I advised was not an option. They refuse to correct the situation. Very frustrating and just a sign of the times with these predatory Lenders these days.

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts 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 2023-02-14
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MO CHILD SUPPORT ENFORCEMENT SYSTEMS ***** XXXX, XXXX XXXX XXXX, 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 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 2023-02-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 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 2021-08-02
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was having trouble accessing my USBank credit card account online. I went to their website and called the number listed for XXXX XXXX. After waiting on hold I was transferred to a gentlemens with a very thick XXXX XXXX accent. I shared with him my problem and he said he would need to verify my identity with my name, adddress, DOB etc. he then put me through a recorded message that he kept interjecting into to confirm the same information. He then stated he could not verify my identity and asked me for another credit card to confirm my identity. I was confused but keep in mind I called US Bank. I gave him another credit card number with another bank ( XXXX ) and I got a text from the other back asking if a {$1.00} charge was legitimate, he directed me to say yes. He then provided me a confirmation number and directed me to call XXXX immediately and provide the confirmation number given. When I hung up something felt off and I didnt call the other number. I subsequently called US Bank later at the number on the back of my credit card and they had no record of that prior conversation and have opened a fraud case on that card. I have locked the credit card account with the other bank but am now concerned about identity theft.

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 2021-08-02
Company: Shellpoint Partners, LLC
State: NC
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:
XXXX has wrongly put late paymnet on my account. i have conteacted XXXX in XX/XX/2021 but no issue resolved. I have contacted company new rez for this and they said its XXXX who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinancing with Rocket Mortgage because the rates are so low. I was promised verbally that there would be no hard inquiry on my credit report. I was lied to. When I asked the representative about it, he said that he had not promised me a soft inquiry, lying to me again, and that I should have expected a hard inquiry when I gave him my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got letter from collection company that I owe over {$4000.00} from XXXX I called the number on the letter and exyyo them that I don't owe this the apartment I was living had the garbage included in my rental it was a complex and the property management was paying the bills and I did give them the phone number of the property management but still we getting letters and phone calls and being harassed I requested the full bill details they did not send me I called the garbage company and they telling me it's on collection and they can't help or give me any information I like to go to court and file a lawsuit against both garbage company and collection company for harassment and damage of my credit It be great if I can get help

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 2023-12-11
Company: EQUIFAX, INC.
State: MA
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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My XXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : 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 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2021 I sent over a certified letter to PORTFOLIO RECOV ASSOC requesting debt validation after I noticed this unfamiliar debt on my report. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well PORTFOLIO RECOV ASSOC has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines or even notify me of the debt. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NM
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:
On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX  XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/2020, XXXX and its collection agreed to removing XXXX account from all three credit bureaus and still fail to do so. XXXX cashed my check and the check stated if cashed you would remove account from all three credit bureaus and they agreed. Back in 2020 XXXX 's also know as XXXX XXXX agreed to the same thing on back of the check it stated if cashed you agree to the agreement of removing account from all three credit bureaus and they hadn't upheld the agreement. We had an agreement and they agreed to it by depositing and cashing my checks. I have attached signed and cleared checks

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 2022-04-14
Company: EQUIFAX, INC.
State: SC
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 called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about

Company response to consumer: Closed with explanation