BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made the following monthly mortgage payments which have been processed through our bank account ( we have copies of our bank statements ) : XX/XX/XXXX - to XXXX XXXX ( prior servicing company ) for {$910.00} XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00} ( Note : XXXX XXXX sent the XX/XX/XXXX payment to Nationstar dba Mr. Cooper so Nationstar received XXXX payments in XXXX. We requested a refund of one of those payments via secure message to them ). 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
Total monthly payments made since XX/XX/XXXX : 5 payments. 

On XX/XX/XXXX, Mr. Cooper sent a letter indicating that they had sent Check # XXXX payable to XXXX XXXX XXXX for {$910.00}. The letter also mentioned that they sent a reissue check ( Check # XXXX ) on XX/XX/XXXX which they stopped payment on. We subsequently received the first check ( Check # XXXX ) and proceeded to deposit it in the bank account. This was the refund of the XXXX payments for XXXX. After we deposited the check, Mr. Cooper did a chargeback for {$910.00}, never notifying us that this check was not a good check. 

We have called numerous times, spoken with several different members of their executive resolution team and their explanation remains confusing because their processing shows a series of reversals and unapplied funds ( only on their books ) because we have not received any credit on our bank account for the {$910.00} still missing. Bottom line, there should have been 4 payments from XXXX to XXXX and we made 5, so one is supposed to be refunded back to us immediately. We've been dealing with this issue since XXXX and frankly after 25 calls and messages, I need help in getting our money back for the double payment we made in XXXX. They lie, try to confuse the consumer with all of their accounting jargon and WE NEED HELP GETTING OUR MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a summons to report to court for a debt that was purchased from XXXX XXXX XXXX and spoke with a rude individual from a legal firm never sent a dispute letter and never served they filed a lien on case # XXXX XX/XX/2022 and the debt that is well over 7 years old. They sent a copy of this letter came from a law group Resurgence Legal Group located at XXXX XXXX XXXX XXXX XXXX in XXXX il. The Debt collector refused to let me speak with a supervisor concerning this refused to give his name and was just rude he literally hung up on me and sated he has filed a law using threatening language and he was uncooperative I told him that i would pay this because i did not want this on my credit after payment was made he refused a paid in full letter stating he will send it in 5-7 business days. I paid on line on there web site and the payment cleared and he still refused to send a receipt of payment and rudley hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXXXXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2020 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 2022-01-25
Company: FinCo Services Inc DBA Current
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a checking account with Current a financial technology company, through their sponsor, XXXX XXXX. During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got approved by SBA for eidl loan and they funded my account at capital one bank. But when I went there to make a cashier check to buy box truck for my business they said we cant make cashier check and we need to make sure you are qualified for this loan so they froze my account.

I called the SBA and explained for them whats happened they said the bank are not financially responsible for this loan you are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. XXXX credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides XXXX is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report 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 2021-07-28
Company: CITIBANK, N.A.
State: WV
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:
on XX/XX/XXXX I reported fraudulent charges to my Citicards credit card account from XXXX which showed up on my account in the following charges : XX/XX/XXXX XXXX for {$1.00} XX/XX/XXXX XXXX for {$39.00} The citibank representative closed the account as a stolen credit card and reissued a new card however, Citibank transferred these charges to the new account. 
I have called the company and spoken with representative from customer service-fraud departments-security departments and collections departments, communicated through Citibank 's chat service with representatives, sent a letter certified/return receipt with evidence of the communications and that the charges were fraudulent as shown by XXXX only to have Citibank refuse to take the charges off, tried faxing the information over 7 times to a fax number given by Citibank which does not go through ; Citibank is assessing late fees and interest on these fraudulent charges and sent delinquent status to the credit bureaus. I have documentation of all of my efforts to correct this with Citibank. 

This has been going on since XX/XX/XXXX and Citibank refuses to correct it and is harming my credit report and rating even though they have a 100 % fraud guarantee that the consumer does not pay fraudulent charges or interest and penalties. I reported the charges the day they came through on the account and Citibank refuses to correct it. I contacted XXXX and had them investigate this charge which they found was indeed fraudulent and was made on a credit card number which had already been closed by Citibank at the time the perpetrator entered it on XX/XX/XXXX. So, Citibank allowed a fraudulent charge to go through on a closed account from the start. XXXX refunded Citibank for the charges made and gave me the account, address and IP address of the perpetrator and still Citibank refuses to clear the late charges and fees. The only balance on this card account is the late fees and interest which Citibank is charging on a fraudulent charge which was reported to them back in XX/XX/XXXX. 

I have tried every avenue possible to contact Citibank who refuses to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Island Finance Puerto Rico
State: PR
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:
XXXX XXXX responded and XXXX. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY ISLAND FINANCE ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED XXXX XXXX FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR ISLAND FINANCE ATTORNEY XXXX XXXX XXXX, BUT XXXX XXXX DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO XXXX XXXX TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY ISLAND FINANCE, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR XXXX XXXX TO RECOGNIZE HERE IN THIS RESPONSE ISLAND FINANCE FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report and was dismayed to discover that there are inaccuracies present that are adversely affecting my creditworthiness. The specific concern pertains to the reporting of late accounts, which I believe are incorrect and unjustly tarnishing my credit history. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my financial records, and I can confidently state that the reported late payments are erroneous. I have always strived to meet my financial obligations promptly, and any deviation from this commitment is a genuine mistake. I request your immediate attention to rectify this situation and ensure that my credit report accurately reflects my credit history. 
I have previously submitted a dispute regarding these late payments, but it appears that my concerns have not been adequately addressed. This oversight is both frustrating and disheartening, as the inaccurate information continues to have a detrimental impact on my creditworthiness. I am seeking your assistance to promptly investigate and correct these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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: Account information incorrect

Complaint:
Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from Equifax. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to XXXX ( formerly XXXX ), my loan servicer, in XX/XX/XXXX XXXX my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or Equifax detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to Equifax or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXX of XXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Greetings! My name is XXXX XXXX and I'm contacting you regarding Chime Financial Inc. ; account ending in XXXX for Unauthorized Transactions totaling in the amount of {$4900.00}. I initially reported this to Chime XXXX I went through the proper proceedings to no avail. After showing me the documents used per dispute-claim # XXXX for Unauthorized Transactions it did not resolve the issue at hand. After a thourough examination of the transaction history in my account, I adamantly refute those transactions. I have no knowledge of the activities that took place during that time. Thus, I was XXXXXXXX on unrelated matters ( please see attached documents ). I'm seeking a fair and courteous investigation be conducted in this matter. Please find attached all of the necessary documents per this matter. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have some different card, at the end all of each account are together with a bank name SYNCHRON. I lost hours of job because of my payee put her private doctor office with a clinic. With this mix, I lost 5 hours weekly of my job, in the end, my salary is less. I contact a company name XXXX XXXX XXXX   to help me to pay my debt. I started the program 2 months ago. They told me to enter to the internet pages of my different credit card and gave its number to contact them, I did, but this bank called me ALL the days several times including my job and weekends at XXXX XXXX. I called my represent in XXXX XXXX and told me that I need to give its number and request to call them, I did but they continue harassing me. 
I need help with this.

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 2022-04-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my loan account ending in XXXX with Cardinal Financial. They closed my account without my permission. They are now requesting a deposit to reestablish it, I refuse to pay a deposit. Also they are transferring it to XXXX now without solving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone applied for a XXXXXXXX XXXX in my name using my personal info. I froze my credit reports and notified XXXX. XXXX has said they are pulling the application. I believe this is from the BoA data breach which included names, SS # s, DL # s, birth dates, income, employment, addresses, etc.

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 2023-05-23
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:
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 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 2023-01-29
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, This dispute is in accordance with the Fair Credit Reporting act. The collection account with XXXX with the amount of {$560.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States that it is my right as consumer to have privacy, which this account violates.

15 U.S.C 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish a account without my written instructions, which I have not given. 

Due to my right as a consumer being violated, I request that this account be deleted immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation