BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wife, and I refinanced our mortgage loan for lower interest rate with a new lender ( XXXX ) the month of XX/XX/XXXX. XXXX XXXX XXXX, XXXX finalized our refinance, and submitted the {$360000.00} wire payoff to NTNSTR/Mr. Cooper on XX/XX/XXXX ( 4 days prior to the date that our loan would be 30 days past due on XX/XX/XXXX ). I submitted a screenshot proof via the Mr. Cooper App that NTNSTR/Mr. Cooper applied the funds on XX/XX/XXXX. Unfortunately, NTNST/Mr. Cooper reported our XX/XX/XXXX Mortgage payment 30 days past due prior to closing our account which greatly negatively affected our credit history. I contacted NTNST/Mr. Cooper at XXXX ' twice stating the previous, and submitted a credit letter from XXXX XXXX XXXX XXXX XXXX with my screenshot proof of the {$360000.00} credit via the Mr. Cooper App on XX/XX/XXXX, but I never received a response from NTNST/Mr. Cooper. I disputed this matter with XXXX, XXXX, and XXXX  without acceptable resolution. XXXX  has reported the NTNST/Mr. Cooper account paid & closed but did not remove that 30 past due record. I request for the 30 days past-due record reported XX/XX/XXXX to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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 is missing that should be on the report

Complaint:
My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and XXXX XXXX experian is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. Systems - Acct # XXXX XXXX XXXX XXXX Acct # XXXX CXXXX XXXX Management - Acct # XXXX XXXX acct XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-11
Company: EQUIFAX, INC.
State: MN
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 XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: CA
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 have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX 1st letter XX/XX/2023 and then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
WELLS FARGO CARD SER 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX  1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through 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 2021-07-12
Company: Mountain Run Solutions, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I bought {$2900.00} of flooring from the XXXX XXXX on XX/XX/2022. I was encouraged by the salesperson to take the Home Depot credit card because my purchase was over {$2000.00} so I could get 24 months interest-free. I took the offer because of the 0 % interest. Otherwise, I would have paid out-of-pocket on the day. 
Once the first bill arrived, I divided the total amount by XXXX and set up XXXX equal auto-payments of {$130.00} so it would be paid off before any interest accrued. I didn't go back to look at the account or the agreement once it was up and running. 
So now that 12 months have gone by, I did log in just to see what the balance was, expecting to see about {$1500.00}. Well, no, in fact they started charging me interest in XXXX after only XXXX months, including deferred interest. 
I talked to a couple of XXXX call center people, including a XXXX. They were very nice, but they were reading off a script and would not deviate from the script. They were only authorized to adjust the interest from the most recent 60 days, and only if I paid the full balance immediately. 
So far, Ive been charged about {$700.00} in interest charges, which I would like to be removed from my account. I would be happy to pay off the entire balance immediately and close the account, but I dont want to pay the interest. 
I see on the CFPB website that dozens of other consumers have had the exact same experience. Can you help me resolve the issue, please?

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 monetary relief
Consumer complaint received 2021-07-12
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I purchased a dress from a vendor in XXXX XXXX XXXX XXXX XXXX, via debit card and XXXX, for {$350.00} USD. 

I received the dress on XX/XX/2021 in a XXXX shipping bag. There was no customs paperwork, no invoice, and no documentation inside the package. The package was brand new and certainly did not appear to have made the trip from XXXX to XXXX, Oregon. It had no customs marking on the package. 

The dress inside was wet, foul smelling, moldy, and crumpled up with a wet piece of filthy tissue paper. Minutes after opening the package, I called XXXX and asked for a delivery person to inspect the package and the dress. I was told by XXXX, it was my problem and I would need to take it up with the vendor. I called my bank, US Bank, immediately and started a claim on the purchase. US Bank issued a provisional credit. There was no phone number for the vendor so I sent a series of emails that were not responded to over the course of several days. US Bank mistakenly pulled the provisional credit from the wrong vendor. It then released the provisional credit back to the vendor. I called US Bank and they reopened the claim and reissued the provisional credit -- again from the wrong vendor. I have spent over 15 hours on the phone with US Bank ( not including the time spent on the [ phone with XXXX and XXXX XXXX trying to get this claim resolved and to clear up the bank 's mistake regarding issuing the provisional credit against the wrong vendor. 

Every time I speak with someone at US Bank I am told contradictory and incorrect information. I get endlessly transferred from one person to another, one department to another. Most of the time I hear, " that's not my department, you need to speak with someone else. '' I also have to reexplain the whole situation each time I am transferred. I have spoken with at least ten different managers, customer service reps, fraud specialists, and claim specialists since XX/XX/2021 without any resolution. 

I have very serious concerns about the competency level of everyone at US bank I have spoken to regarding this issue, where one vendor is denied the money she is rightfully owed and another benefits from this incompetence at my expense.

No US Bank manager seems to be able to fox this problem. Please help me to get the innocent vendor paid and my claim resolved.

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 2021-07-11
Company: Innovate Managed Holdings, LLC
State: CA
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 had a XXXX with a company named XXXX XXXX XXXXXXXX which dissolved and transferred to a company called innovative Loan Servicing. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to Innovative Loan servicing. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called innovative Loan servicing several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my chase bank account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Midland Credit XXXX has consistently called me multiple times a week, including weekends and evenings. They persisted even when I was overseas in another country for approximately 2-3 days before discontinuing, then continuing a month following my return. I no longer allow phone calls to numbers in my phone to ring because of the nuisance calls from this abusive company. At the height of these calls, I was receiving them 6 days a week ( Sun - Fri ), around XXXX 2022. I can obtain these records from XXXX, my service provider, if required. They also use multiple phone numbers rather than one number with multiple lines, thereby making it impossible to avoid their harassment via blocking numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, Equifax, and XXXX. XXXX My XXXX XXXXXXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to spectrum and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen on Saturday XX/XX/13. The theif had my ID and debit card and made an illegal withdrawl at my bank at XXXX hours. They went to a teller at Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The teller gave them XXXX XXXX  from my checking account. There were internal safeguards that were supposed to alert Chase Bank if someone took over XXXXXXXX XXXX out of an account. None of those notifications worked. Chances are, the theif looks nothing like me and they did not check the ID picture carefully. The signature did not match at all. How did the theif get my bank account number or pin? Was this an inside job from this branch or another one? I have gotten know answers so far. 
The bank is working on reimbursing me. Meanwhile, this has cost me time, money, and frustration. There is a police investigation that is going nowhere. Had Chase caught this, we could have caught the criminal and returned all my wallet. Also, Chase would not close my accounts for a day and a half becuase they did not have a photo-ID of me. This opened my accounts up to further fradulent withdrawls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 FURTHER Complaint that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) you are required to remove/block any items which wereopened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumerthat the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX  Balance : {$4000.00}.

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 explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bank with Wells Fargo. They offer a service that allows you to send money through XXXX. On XX/XX/XXXX I was notified that an unauthorized payment of a total of XXXX was sent. Immediately called the bank and I was told that I was going to get my money back in 10 days and a new card. I didnt receive the card nor the money. I continued to call every other day to check on the money and the card. Today, XX/XX/2023 I called and was told that I could not get my money back and the case was dropped. Although they told me they was going to send out another card. I still need my money and they refuse to give it to me.

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 monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
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:
Received a copy of my credit report on XX/XX/ and XX/XX/ and theirs 's XXXX hard inquires on my credit report from XXXX XXXX XXXX they're XXXX soft inquires also on my credit report. 

I have called and written letters to all three-credit reporting Bureaus ; Equifax, XXXX and XXXX which included a copy of my driver 's license and social security card,

Company response to consumer: Closed with explanation