BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet XXXX failed to respond accurately and actually contradicted itself in both responses. 

XXXX  account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with XXXX on resolving the corporate failure to pay. As terms of that settlement XXXX agreed to remove the trade line info from my personal credit history once payment agreed to was made. XXXX terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but XXXX claimed to have no records of the payment. We needed to go to our bank and request proof XXXX cashed the check. That transaction came back as cashed XXXX. Once we showed proof to XXXX they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

XXXX came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into XXXX for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.

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 2023-02-21
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few years ago my wife and co-borrower died. After a long exhausting battle with her illness and funeral expenses, I was unable to maintain our current household bills alone. In addition, I had the responsibility of caring for extended family members. There was a reduction in my once dual income household and a rapid increase in expenses. On top of that, my property was suffering from major repairs that I was unable to fix because I was using my income to maintain the bare living essentials, like heating oil. Shortly, after all of this began, I was faced with even more mounting problems by a loss of income from the pandemic. I am a XXXX XXXX XXXX and with schools closed, I was put out of work. I had to go on unemployment and got seriously behind on all my bills. Foreclosure actions commenced with my first lender. I was a widower and I wanted to liquidate the property and move on and not continue to fight in court. I was granted relief by the judge to settle in good faith. Ive attempted to apply for loss mitigation with my first lender, Selene. To settle with my second lienholder, I asked Selene to take a modest reduction of ~2 % to their total balance. But before considering my application they are demanding the identities of 3rd party buyers, by requesting everyones IDs. My agent explained that IDs are exchanged between attorneys at a closing but never during the purchasing/negotiating phase and that this type of demand can be seen as highly discriminatory and prejudice. 

Selene has refused to consider my previous application that asked them to stop the foreclosure and settle for an extremely fair reduction of ~2 % so the second lienholder, that has a larger balance and is taking a larger reduction, can also be fairly negotiated. Now they are focused and concerned about the buyers personal driver license and identities, all of which are not a party to my loan. All other legitimate documents about the buyers have been supplied including NYS certificate of good standing, corporation documents/articles and proof of funds. 

It appears to me that Selene is finding ways to deny me the opportunity to relieve myself of this home and burden. This complaint is to put the CFPB on notice of how SELENE does NOT work with homeowners who attempt to pay them back in good faith but practices discriminatory behavior to deny loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with TransUnion, XXXX and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!

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 2017-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In   XXXX   I cancelled a  XXXX  music charge on my account. The lady a t Capital One  got  XXXX  on the phone so we had a  three way  conversation. I cancelled the  XXXX  charge and also closed the account. Since then I still receive the monthly bill with the  XXXX  charge added. I called  Capital One but t he young lady seemed confused but said everything was taken care of. This month,  XXXX , I received an additional charge on my account that was supposed to be closed in  XXXX . I can not get through to  Capital One that I want no more charges I did not make to an account that was closed months ago. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is a phishing scam from someone other than XXXX  who is impersonating the company in order to get funds from me. This is in regard to an item in the front of my desk that I have up for sale on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please note, I'm not using any third party for this matter and this is my first complaint to CFPB because I'm a victim of identity theft and my personal information went to wrong hands or some organization who have tried to obtain a credit or financing goods on my behalf, as a result I got hard inquiries on my report that I have never authorized : : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Please remove these items from my report as a fraud items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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

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 2023-09-10
Company: Avant Holding Company, Inc.
State: DC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Does the interest rate of XXXX percent on my Avant installment loan violate the usary laws in Washington DC where I reside of a maximum XXXX percent for loans? 

Can I ask them to lower my interest rate based on the usary laws in Washington DC where I reside? 

I got this loan online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: CA
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 Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved 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 explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I owed about {$80.00} to charter kids clothing department, in 2019 sometime in XXXX, then left to XXXX because of Covid-19 lockdown I was stuck there with my 8 months old baby, after coming back to USA in Aghast collection agency called me, telling me to {$270.00} I ask them what is original amount because I forgot exact amount, they didnt come back to me, I also explained my situation that let payment was not intestinal act, now amount is {$340.00}, I contacted them offering {$100.00}, and asking for forgiveness because I am single mother and cant work in COVID-19 situation, I requested them to let me speak with supervisor but, supervisor didnt contact me. 

They are asking whole amount, which I dont have it, I am not working, i cant buy second hand car because of my credit they have screwed up. 

They did not send me anything by post, just mounting amount, and repenters are stubborn just want their {$340.00} whole amount. 

Please help me, I am able to pay {$100.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The CBE Group Inc-Former at : The CBE Group , Inc. XXXX XXXX XXXX XXXX, IA XXXX XXXX been sending me collections notices in the amount of {$2200.00}. The collection has been reported as past due balance. I'm not aware of the company, nor have I conducted buisness with them. This company doesn't have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dispute Over Unresolved False Charge on Citibank Account XXXX XXXX XXXX, 2022, for {$130.00} There was false charge that appeared on my Citibank account on XX/XX/2022, for an amount of {$130.00}. Despite my efforts to have this issue addressed, the matter has remained unresolved.

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 2021-04-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the Credit Bureuas are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.

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 2023-03-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers Never worked at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX my XXXX  tried to make my mortgage payment for XX/XX/XXXX but Mr Cooper Mortgage XXXX system would not display my mortgage loan account. I tried to diss ; ay my mortgage loan account online on XX/XX/XXXX to make my XX/XX/XXXX mortgage loan payment and received a message saying : Good Evening, XXXX Congratulations, your loan is fully paid off. I had read an article about Mr Cooper 's systems receiving a cyber attack so I assumed perhaps my account was compromised, therefore prohibiting me from accessing my account. I contacted the online Mr Cooper chat representative on XX/XX/XXXX to request an explanation for not being able to make my XX/XX/XXXX mortgage loan payment. The rep 's chat reply was that a letter had been sent to me on XX/XX/XXXX and as of XX/XX/XXXX my loan was transferred to XXXX XXXX and to reach out to them at XXXX and this is the reason I can not make a payment online with them. I contacted my estranged husband whom I own the property with in joint-tenancy to learn that he never received a letter or notice from Mr Cooper pertaining to the transfer of our mortgage loan. I did not call XXXX ( XXXX XXXX XXXX, XXXX ) because incorrect information could possibly be given out over the phone and a payment could possibly be lost. There is a federal law regulating transferring mortgage loans so I am requesting that CFPB assist me in the deceptive and bad business practice by not informing me and my husband of the transfer and leaving us without documentation and the new XXXX XXXX  loan account #. Please help us not to be penalized with late fees for the XX/XX/XXXX mortgage loan payment and please request that Mr Cooper expedite the legal documents to both me and my husband who have different addresses on file with Mr. Cooper. 
Thank you for any help we can get in this serious matter.

Company response to consumer: Closed with explanation