BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I set up a one-time extra principal payment of {$1200.00} through nationstar mortgage website. On XX/XX/21, I saw two pending ACH 's from my XXXX checking account in the amount of {$1200.00}. I phoned Nationstar and they had me get on a 3rd party call to XXXX to verify that both debits would go through. Basically making sure I had {$2500.00} in my account. My issue is that I only set up 1 payment. I didn't click anything twice. I didn't have a previously pending payment. I didn't receive 2 confirmations for payment, etc. I DID NOT MAKE 2 PAYMENTS, and yet nationstar deducted 2 payments back to back that morning. Nationstar agreed to reverse one and since XXXX has partnered with Nationstar, they removed the fee to put stop placement on a check I had pending for savings at another financial institution and they reversed a {$29.00} NSF charge for an ACH. I am filing a complaint because although Nationstar says they will investigate this and get back to me, they have no vested interest in exposing themselves. Also, if I didn't have the funds to cover the 2nd payment, would they have assisted me? I'm concerned that others may be subjected to penalties and fees that they can't fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX stating that a hard inquiry changed on my report. That a JP Morgan/Chase credit card was being processed. At this same time, I received an email at XXXX thanking me for applying to JP Morgan/Chase and they were reviewing my application for a new credit card. This was not me. I did not request or apply for a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Previous fico score ( averaged ) XXXX  My mortgage was refinanced ( XXXX XXXX ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On Transunion a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, transunion 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One Services LLC sold my debt for pennies on the dollar to a 3rd party XXXX XXXX XXXX XXXX without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX XXXX nbr ending XXXX XXXX XXXX for {$2300.00} second one XXXX XXXX XXXX ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty. 
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now. 
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota. 
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Go Capital Holdings, LLC
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2023-08-08
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I wrote a letter on XX/XX/2023 to Apple Bank after not being able to get through to them either by phone or website. It is attached below. I have gotten no response. 

I have had a number of IRA CDs with Apple Bank that have been renewing for about 40 years. After trying in vain to reach the bank by phone or on the website in order to roll over these accounts into my XXXX retirement account, I wrote a letter. As with the other avenues of contact, this one too seems to be inaccessible. They have not responded to my letter just as they have not picked up the phone ( their service is absolutely impossible ). I have spent hours during the day holding on or on a waiting list for for call backs to no avail. I have a similar issue with the website, which will not accept my credentials. In the meantime, they send me notices about the automatic renewal of my CDs, which are at very low interest rates. This is an unfair and unacceptable banking practice. I dont understand how a bank can legitimately function this way. I have not been able to roll over these accounts, and now I want to cancel the accounts altogether, but can not get in touch with APPLE BANK to do so. I'm beginning to suspect some kind of fraud. 

I wish to close out my accounts as soon as possible. I do not wish to keep my funds in a bank with no possibility of customer contact and I believe this should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Traded in a leased XXXX XXXX when purchasing a XXXX XXXX in XX/XX/XXXX ( another GM product ). Per GM, lease disposition fees are waived if borrower trades in for another GM product. Never should have been charged this fee. Never got a bill, never got a call, never went to collections, no correspondence whatsoever. On or about XX/XX/XXXX, 8 months after the transaction, our account was written off by GM Financial due to " Natural Disaster '' per my credit report. It is my firm belief that GM Financial did this to access relief money at my expense, irreparably harming my credit and costing me hours of time and potentially thousands of dollars in attorney fees to address a negative mark on my credit report that should have never been there I the first place. I demand that this is removed from my credit report immediately, and further, I implore CFPB to fully investigate GM Financial 's unauthorized and fraudulent charge off and reason code for said charge off, as they are clearly trying to take advantage of consumers, federal funding and the current situation to benefit themselves at the expense of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Great American Finance Co
State: GA
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:
The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}

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 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law. 

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAN TRANSUNION AND TRANSUNION REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: TX
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 account # 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 2023-02-07
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:
Incorrect information is being reported to my credit profile and I have proceeded with the proper steps to resolve this issue. I need the items removed form my credit report asap.

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