BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Account information incorrect

Complaint:
I have been struggling to repair my credit scores Finally got my Transunion score in 770s XXXX in 760s and XXXX XXXX About a month ago both my Transunion and XXXX scores dropped significantly by over 80 points for no apparent reason Everything is the same credit usage only 6-7 %, no new loans, last reported late payment over 2 years old The only thing is did differently was pay off a loan while my loan payments were current.

There has to be a mistake. Im trying to refinance my mortgage and the drop in credit score hurts a lot! 
I need an explanation. 
Thanks! 
Respectfully, XXXX XXXX XXXX MD

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 2019-03-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, Please accept this as my formal complaint that ConServe lied, in their attempt to settle my accounts. On XX/XX/2018 at XXXX I spoke to a lady at ConServe. When speaking to ConServe, she misrepresented which accounts would be taken care of with my payment. She stated that my payment of {$620.00} would settle all 3 debts ( 2 for XXXX XXXX XXXX  and 1 for XXXX XXXX College ). She specifically used the terms " released and forgiven '' when referring to all 3 accounts if I made the payment. If I had known that it would not have forgiven all 3 debt accounts, I would have made other arrangements to secure their release. 

It should be made clear that I was fraudulently told that my payment would satisfy all 3 debt accounts. As of today, a different agency is now calling for the XXXX XXXX XXXX University accounts and I am being informed that payment has not been made. 

It should not be legal for ConServe to misrepresent their ability to settle on behalf of their client ( the schools ) in order to obtain some of the money that is owed. I was willing to come to some form of agreement and was given the impression that I was settling all the accounts. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I changed my lease by trading in my XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX with the pull forward option Kia was offering. The sales rep stated that in order to take advantage of this deal I had to make 4 payments on the XXXX lease and I would qualify for NO down or deposit on the new XXXX lease. I made sure to make the 4 payments required as I only needed 8 payments to finish my XXXX lease contract. Which then the sale rep stated that they would take care of the last 4 payments. At this moment XXXX XXXX has yet to make the last 4 payments that was agreed upon when turning in the XXXX Kia lease and leasing a new Kia with them. As a result of their false promise I find myself being affected as well as my credit has taken a plunge due to their lack of professionalism and not following through with what was agreed. To include I am being charged {$260.00} disposition fee when I faithfully stayed with XXXX and leased my new XXXX XXXX the same day as I returned the XXXX. 

Attached you will find the paper work from XXXX XXXX when my tag was transferred from the XXXX to the XXXXXXXX XXXX. I request the {$400.00} disposition fee to me removed being that I stayed with Kia. I request the XXXX to be removed I did in fact return the car the same day and terminated my lease under the push forward program. 

In the attached paper you will see email traffic from the dealership manager accepting fault additionally you will see email traffic with KIA Motors XXXX stating they can no fix the issue due to the dealer being sold to new management and not being able to verify the information. 

Ive attempted correcting this information through all avenues. I am not being heard and my evidence is not being viewed.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus.

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 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 2021-11-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, XXXX and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-07-27
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I sent a certified letter to TransUnion on XX/XX/2022 ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22 I was a victim of fraud. As an elder woman, I was conned out of providing my information to someone who claimed to work for XXXX. Soon after I provided them with requested information they Zelled money out of my Capital One 360 savings account for the amount of {$500.00} and out of my XXXX checking account for the amount of {$500.00}. I immediately called XXXX XXXX  and soon after Capital One to inform of this fraud. As of today, XX/XX/22 my Capital one 360 savings account is still frozen and I can not access my money despite being sent a letter received today that they can not reimburse me for the fraudulent zelle payment for the same reason. When I asked why my account is still frozen, they say it is still under investigation. I am a victim of fraud. I did not authorize these XXXX payments. I am an elder of age XXXX XXXX XXXX and the victim of elder abuse having this money fraudulently zelled from my account. Both XXXX XXXX  and Capital One are promoting this act of elder abuse enacted by the scammer on XX/XX/22 by refusing to reimburse my money. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have requested of Capital One Financial Corporation to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, presenting my concerns to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs. 
I am awaiting for Capital One Financial Corporation to rendered the monies for credits and for the security deposit towards the secured credit line in the form of a check or a deposit to my account on file. 
I am not in understanding as to what has prompted the business to remain in possession of these monies after I have requested for account closure in demonstration against the malpractice and the abuse of their account specialist when presenting my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Referred my husband and business owner to sign up for business card for XXXX card referral bonus. I called chase twice to verify when the points would appear. They could not verify and stated it looked as if I would not get the referral. The only reason we opened the card was because the bonus points would make us eligible for the companion pass. We are getting the run around and being told to cancel the card and reapply with an additional hard credit hit. The lending department told us that they would decline the 2nd card application and that information didn't sound right. We have literally spent over 2 hrs trying to obtain the referral points and have been transferred to one unhelpful person after another. We are highly frustrated with Chase XXXX card and would like someone to call us back and give us the correct information and path to take. We have zero faith in the information we have been given over the phone and no longer have the hours to waste on the phone trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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:
On XX/XX/2022 a credit card with Bank of America was opened in my name. All information was correct in it but the address and phone number. On XX/XX/2022 after not receiving said card, I proceeded to call Bank of America and tell them I had not received this card. I asked where the card had been sent and it was sent to XXXX XXXX, Texas. Where I have not resided in almost a decade now. The customer service rep I spoke with then closed the account due to fraud. I was then told that it should be resolved by XX/XX/2022 and should also reflect on my credit report also. My credit report still shows that it is an active and opened account. It is now XX/XX/2022, and I spoke with XXXX this morning to try and resolve the issue still. My credit has taken a direct impact due to this fraudulent card being opened in my name.

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 2021-11-23
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I started a refinance on a current XXXX Mortgage. I was approved for the loan and was told that everything would go fine since I was refinancing a current XXXX. Then I was told I had to get a property survey and pay for it out of pocket, the cost was {$2400.00}. I had to use my emergency funds for this survey, then they said it didn't give them the information they needed. They wanted the 100 year flood level. They made me do the research for this information, I contacted the Attorney General 's and was told that this information is not available. XXXX, who does flood zones has the area of where I live under Flood Zone D, it has never been mapped. 

They then would not fund the loan and the reason that was given was I didn't meet the income. This is what shows on my credit report, the real reason was because I was unable to give them information that doesn't exist. 

On top of that they are not willing to reimburse my out of pocket expense. They have been holding {$11000.00} of my money in a trust account for property taxes and homeowners insurance. The only money that has been used out of this account has been for the insurance. I am exempt from property taxes as I am a XXXX Veteran widow. They say they can't reimburse those funds even though they don't pay any property taxes out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CMG MORTGAGE, INC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are exempt from paying county, city and school taxes. I submitted the necessary documentation to the mortgage company XX/XX/2022. As of today, XX/XX/2022, they refuse to adjust our monthly escrow payment to reflect the exemption. I called them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and today, XX/XX/2022. Each time I called, I was told by the representative that the exemption documentation was on file and " an escrow analysis had to be done '' and it would take 2 weeks for the adjustment to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was struggling to pay credit card bills, due to splitting with spouse ( few months earlier ), adjusting to paying all the bills by myself, Hurricane Harvey, dog dying and a few other bumps in the road. Talk to card company several times and explained the situation, was told if I just paid x amount buy a certain day then it would put me under a limit to where it wouldn't be reported to agency. So I did but they still reported it. I then made an agreement with a family to transfer debt from 3 of the cards to one of their cards. Two of the cards once paid off were canceled, one of the cards has been valid for 7 years with no late payments and paid off several time the other card never had a late payment ever. Because of this other cards even ones paid off for a year was canceled and others cards had credit limit drop every time I got balance down a little.

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 2018-02-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is responsible for disbursing an insurance claim settlement made due to flooding with Hurricane Harvey. My total claim is {$190000.00}, and Mr. Cooper so far has disbursed {$58000.00} including {$20000.00} disbursed only after a previous CFPB claim. I have uploaded nearly {$80000.00} of receipts for repairs done and previously Mr. Cooper would not release more that {$37000.00} of my settlement ( which represented less than my insurance advance ) until the CFPB helped out. 

I have now reached 50 % completion of repairs to my house. Mr. Cooper previously assured me that they would release 50 % of my settlement once inspection revealed that I had reached 50 % completion. This inspection was done and certified on XX/XX/2018. I have been expecting then {$190000.00} / 2 -  {$58000.00} = {$39000.00}. However, Mr. Cooper has found excuse after excuse to not release my next disbursement. Despite certifying that all of my documentation was complete in XXXX and disbursing money previously, they have overlooked updated contracts, asked me to re-upload documents numerous times, and denied requests that are based on obvious errors on their part. Every time they make a mistake and ask me to re-upload documents, it takes an additional 48 business hours to review. They have thus been able to delay for now over 2 weeks an additional release of funds that they assured me would have no issues. 

This company is absolutely preying on natural disaster victims and should be heavily reprimanded as such. By no means is my experience unique -- just do a web search for Nationstar or Mr. Cooper and see how many complaints are raised about their company. They constantly use an excuse that this is all due to " government regulation '' but no other mortgage company ( and I know the stories of dozens of my friends who flooded ) has given so many roadblocks to releasing Harvey settlements.

Company response to consumer: Closed with explanation