BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For more than a year I have been trying to get current on an alleged missed mortgage payment with Mr. Cooper. For more than a year I have followed their instructions and directions to get current and now that the account is technically current Mr. Cooper is unwilling to do what is necessary to resolve the delinquency. 

In response to the letter received by Mr. Cooper dated XX/XX/2023 RE : Funds Received Suspense Notice : I have performed my due diligence and I have paid the outstanding balance in full. The outstanding balance that Mr. Cooper is looking for, by their own admission, has been split between surplus escrow and unapplied funds accounts, which has been disbursed by Mr. Cooper as they deem appropriate to their monetary advantage not the clients. The money in these accounts is my money, not Mr. Coopers. However, Mr. Cooper decides how and where to distribute funds while trying to make a profit off of my distressed situation. I have done my due diligence per the direction and information provided by Mr. Cooper and Mr. Cooper alone has the ability to bring my account current with my money that I put into the account but refuses and is unwilling to do so and instead is attempting to collect frivolous fees while sending threatening letters of foreclosure to a XXXX an XXXX Veteran. This is predatory and it is being practiced on those less fortunate with the least number of resources to fend for themselves. 

As of XX/XX/2023 according to Mr. Cooper in the letter sent XX/XX/2023 RE : Funds Received Suspense Notice the total balance required to bring the account current is : {$3100.00} : That has increased {$120.00} since XX/XX/2023 As of this date XX/XX/2023 the Unapplied Balance is currently : {$1500.00} As of this date XX/XX/2023 the Escrow Balance is currently {$2900.00} As of this date XX/XX/2023 the total balance in the Unapplied and Escrow accounts total : {$4500.00} To bring account current it being requested that Mr. Cooper reconcile the account. 
o Total Balance Owed : {$3100.00} {$1500.00} [ Unapplied Bal ] = {$1600.00} remaining to bring account current it would be prudent if Mr. Cooper recover remaining balance from the Escrow Account o Escrow Balance {$2900.00} - {$1600.00} [ Remaining total from above ] = {$1300.00} reaming in Escrow Account The remain above balance is more than enough to maintain Escrow Account Minimum. 

I am in the situation because I trusted and followed Mr. Cooper instructions, it is upon Mr. Cooper to correct this. 

MR. COOPER HAS THE MONEY DO THE RIGHT THING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They have a problem with their computer website for payments. I went in to make payment and the system showed no payment was due. Showed next payment was due XX/XX/2021 for the {$490.00}, I took a screen shot of this and provide this to them and was told XXXX XXXX would call me back and she never did. This is an on goin problem within the third party site they use and they know this and refuse to fix the problem its nothing but excuses from them. We made the payment for both XXXX and XXXX and XXXX was not even late and they reported that way to all the Credit Companies the wrong information and also confirmed from XXXX XXXX that the payment for XXXX was not late and the the credit companies made a mistake and yet refuses to correct the mistake. We have had nothing but problems with customer service with them and this is not this first time that we have had this issue with the company. I was told the next time it happened to contact them which we did and the still refuse to do the right thing and fix the problem. They don't even have contact information for there website that handles the payment. According to XXXX unknown last refuses to do anything about the problem as well just excuse as to why they can't contact and oh just sign up for auto pay that is not an option as this is not a company we will be staying with not worth the problem of auto pay because they have a big problem with reporting the account current which it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Resurgent Capital Services L.P.
State: AL
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 asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
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 was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: SYNCHRONY FINANCIAL
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:
An account was opened by SYNCB/XXXX  in XX/XX/2017. I did not open this account, but it is reporting on my credit report. This account is charged off and reports a balance of {$6000.00}. Although, it is not my account I believe my wife opened this account. 

I have contacted SYNCB/XXXX  as well as XXXX, XXXX  and XXXX   explaining this. None of them have resolved this issue or provided any info that ties myself to this account.

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 2023-10-12
Company: EQUIFAX, INC.
State: TX
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired a moving company to help move my things. 

The moving company told me that I can book an elevator between XXXX. 

Then the moving company came at XXXX and left my stuff on the road without delivering it to my condo. 

The moving company also forged my signature and charged a different card for {$500.00}. 

But Chase is refusing to see all this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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:
I have sent XXXX certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  G XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/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 2023-03-19
Company: CARCO Group, 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:
I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a idiot put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Starting in XX/XX/2020, XXXX and I notified Fedloan Servicing that the Loan was forgiven on XXXX XXXX. Official notification was provided in writing notifying them of XXXX decisions as well as multiple conference calls with them and the previous loan provider directing both of them to process the loan write off. Fedloan Servicing has declined multiple request to process the request and continue to report this as a active loan to all the Credit Agencies. Multiple managers with Fedloan Servicing have committed to resolving this issue and communicate back with me with specific timelines. They have failed to meet their commitments .The government agency XXXX advised me to file this actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief.

I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Good Day sir/Ma I'm XXXX XXXX, i'm XXXX years old, I live in XXXX XXXX XXXX XXXX Vt. 


I'm writing you regarding the restriction placed on my Coinbase XXXX, XXXX account. 



I deposited {$8500.00} into my Coinbase account on XXXX of XXXX Thursday. 



On the XXXX of XXXX Friday i found out Coinbase XXXX , XXXX, had restrict my account at their earliest convenience without notice. I opened a support ticket and i haven't gotten any response yet. 


Case number a-signed to me by Coinbase XXXX, XXXX Case # XXXX. 



Case # XXXX - Restricted. 


You can follow my case with coinbase with this case number. 

I'd like you to help me with my request. 



Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX i walked into XXXX, gave them {$500.00} cash, and wanted it deposited to my Capital one checking acct, I gave the women my capital one credit card ( instead on the bank card. The 3rd party who handled the cash transfer was, XXXX XXXX. i went home immeditally to correct the situation, XXXX XXXX said the transaction was to fresh, new that she did not see it, check back in XX/XX/XXXX business days. should not be a problem, until there was a problem. they gave my credit card the money and not the bank card. Capital one was unable to transfer it to my checking account or issue me a check. They sent it back to XXXX XXXX electronically ( date XX/XX/XXXX, trace # XXXX ) XXXX XXXX  is impossible to get a hold of if you don't have an account with them. I spoke to XXXX and they reached out to XXXX XXXX, to Call me and they have, and stated there is no record of my name and that the trace # is to long they cant help, case closed. i have been in a run around circle with XXXX, CapitalOne and XXXX XXXX  for several months and not one of these Hugh companies can help me get my {$500.00} cash back. what i have been through to fight for my money back is so unbelievable, the hours upon hours of being on hold, dealing with horrible customer service. its going on 4 months now, Please, Please help me Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. 

I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. 

The debt is now over 10 years old. The collection companies know that this is past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX CARD on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2022-08-08
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022, had an accident in my leased vehicle. My insurance company declared a total loss on XX/XX/2022. 

On XX/XX/2022, my insurance company sent a check for {$24000.00} to XXXX XXXX XXXX XXXX, which was cleared on XX/XX/2022. 

My lease for Hyundai was due to expire in XXXX, XX/XX/XXXX, and we were in the process of speaking with our bank to get a loan to cover the {$14000.00} buyout amount at the end of the lease. 

Because the insurance paid XXXX XXXX {$24000.00}, there is a discrepancy of {$9700.00} which is in credit on the account. Hyundai refuses to pay me the difference ( the credit amount ) on the account, after giving me false information every time I have called them over the past 6 weeks. 

I have been told that a check will be expedited, that a manager needs to evaluate the account after 30 days, that the manager needs 5-7 days to evaluate the account, that it could take an additional 10 days to process the check and send it out, and now that they won't release the funds because it was a leased vehicle. I even asked if it could be transferred to a new vehicle purchase, and they said that was not an option.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This company Transunion continues to report fraudulent information even after being notified. 
I am a victim of Transunion my rights have been violated prior to rental and housing been denied. 
I place a freeze on my profile and it wasn't lock and it is still open. My profile was never frozen

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 2018-04-20
Company: Experian Information Solutions 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:
Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, Experian, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I  contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.

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