BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During last 45 days, almost two CFPB cases against Mr. Cooper : XXXX XXXX What I am looking for : 1. Show me online amortization schedule once i login to my online account at Mr. Cooper. 
2. Close my escrow account and send all the money back to my bank account without incurring any fees to me. 

Till now Mr. Cooper is not able to explain why they are collecting different amount every time for my escrow. any way i don't want them to have my escrow account. 

It's really long wait time to reach out to Mr. Cooper Customer service due to lack of staff and limited work timing of theirs. 
Worst thing, even if you reach out to them then also nothing is moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Exeter Finance Corp.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the XXXX  below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: OK
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 tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.

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 2023-09-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged two identical transactions, one on XX/XX/2023 and the other on XX/XX/2023 from XXXX XXXX for {$130.00} each. When I filed a dispute with Citi, they indicated that XXXX XXXX claimed both charges are valid, which was never correct. Concurrently, I reached out to XXXX XXXX and XXXX XXXX confirmed they only charged me for one transaction for {$130.00} which was the charge I agreed on. At this point I filed a dispute with the XXXX against Citi for the duplicate charge of {$130.00}. Citi responded to the XXXX complaint with a generic letter that indicated the " findings '' of their investigation, which showed literally a blank paragraph where the explanation should have been. I have brought this up to Citi multiple times since then and they refused to do anything about it indicating their investigation was final.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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: 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Stellantis Financial Services US Corp.
State: MS
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:
Inquires that were not Authorized

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 2023-07-04
Company: Experian Information Solutions Inc.
State: IL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-24
Company: Credit Karma, LLC
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am homeless. My phone and wallet were stolen. I had a new card issued and direct deposit set up with credit karma and they accepted my funds on an account that is not active. Now they refuse to give me access to my money and kept my money. They refuse to close my account. Why would credit karma accept my employers direct deposit of my pay knowing they have my account locked and inaccessible to me. They absolutely refuse to give me my money and I worked for it. I am homeless and want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: AR
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 submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} EQUIFAX MORTGAGE SER Inquiry : XXXX. XXXX, XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 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 explanation
Consumer complaint received 2023-12-16
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-07-04
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2018-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

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 2023-12-07
Company: EQUIFAX, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$500.00}. Services were never rendered. 

On the date of XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$1500.00}. Services were never rendered. 

I have tried to have the amount reversed by XXXX legal group multiple times but they refuse to do so. 

I disputed the charge with citi bank and the refuse to reverse the charges.

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 2023-12-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1026.11 Treatment of credit balances ; account termination. 

Thank you for taking the time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a 100 % paid closed account as of XX/XX/2023 and would like to ask for consent of deletion of this hard inquiry to all three credit bureaus. My family has been a member of Sams Club for 13 years. During the pandemic, I was advised by a store associate to apply for a store credit card at my local Sams Club, I proceeded with the application and was approved for a store credit card. During the pandemic I fell sick to XXXX XXXX, spent weeks in the hospital and was laid off work. It became very difficult to maintain and keep up with credit card payments. The only negative inquiries tied to this account were a late payment in XXXX and XXXX of 2023. I have always been an exceptional customer of Sams Club, and this negative inquiry has made it extremely hard for my family to apply for new credit and receive higher approval chances for financing a new home. Please consider writing letter to delete this closed account from my credit report to XXXX, XXXX, and XXXX. I have always been a happy customer of Sams Club and I hope I can continue that relationship with you. Thanks! 

Kind Regards, : )

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 2020-09-23
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastern Account Systems continues to report a debt on all 3 credit reports that has been recalled by XXXX XXXX XXXX  not once but twice. They refuse to remove even though they have no ownership of account nor do they have a contract. It has been recalled therefore they have no rights to report or attempt to collect. Violating all FDRCA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Early Warning Services, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After not telling me anything as to why XXXXXXXX XXXX closed my account, they have caused it to be nearly impossible for me to open another bank account with any other bank! This happened around XX/XX/2022. Without a bank account, I can't get paid and it's causing me so much stress ; I can't pay my rent because I don't have access to any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/XXXX, my account was locked by Citibank. Subsequently, I attempted to contact them to resolve the issue. They informed me that they would need 30-60 days to close all my accounts, including my credit card. Now that the allotted time has passed, I have not received any response. When I tried calling Citibank, I was transferred between four different departments, and in the end, no one seemed to know how to resolve the issue. They only informed me that my savings account was locked but not closed. I would like to inquire about what they have been doing during this approximately 60-day period. All my other bank accounts and credit cards are linked to the Citibank account, and this situation has significantly impacted my ability to manage my credit cards.

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 2023-09-23
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in an Income Driven Repayment plan for over 10 years and submitted to have my payments assessed to confirm they qualified for the Public Service Loan Forgiveness program. I originally submitted the certification form in XX/XX/XXXX. XXXX XXXX determined that 0 payments qualified from XX/XX/XXXX to XX/XX/XXXX ( payments should have started counting in XX/XX/XXXX ) without providing any reason or documentation as to why not. I called customer service on XX/XX/XXXX to try and determine why the previous 8 years of payments would not qualify despite being on an IBR plan, making auto-payments ( on time ), and working full time for XXXX XXXX the entire time. After being transferred to a supervisor, he appeared to agree with me ( though could not confirm directly to me ) that the previous payments should be qualifying. He said he would put in a new request to review and make a note of what he thought and to a note to try and expedite the process. I have called periodically with customer service not being able to provide any updates on the status of that review. It is now XX/XX/XXXX, 9 months later, and well past the the original estimated 45 days to get any sort of rationale as to why those payments shouldn't count. With the introduction of the Temporary Expanded PSLF program there is a possibility I could apply for forgiveness as early as next month but I still don't know the status of the payments I've made.

Company response to consumer: Closed with explanation