BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sold my home. Final payment from attorney office was late. Resulting in a bad mark on my credit score.

I need this bad mark removed as I have never had a late or missed payment for the entire term of loan and history of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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: Information belongs to someone else

Complaint:
i have been a victim of the dark web and the XXXX  data breach, in addition to losing my purse with all my personal information in it. My identity has been compromised beyond comprehension and that's not a good place nor feeling in such struggling times. I'm demanding that these accounts be removed and blocked from my credit data files. I've reported and requested information in regards to these accounts. Please remove the following accounts immediately. 

1 ) XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1100.00} 4 ) XXXX XXXX XXXX {$61.00} 5 ) XXXX XXXX XXXX {$1.00} XXXX 6 ) XXXX XXXX {$120.00} 7 ) Chapter XXXX bankruptcy 8 ) XXXX XXXX XXXX XXXX   XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) Dept of ED/ XXXX {$56000.00} 14 ) Dept of ED/ XXXX {$31000.00} 15 ) XXXX  {$5500.00} 16 ) XXXX   {$5000.00} 17 ) Dept of ED/ XXXX {$3200.00} 18 ) Dept of ED/ XXXX {$4200.00} 19 , ) Dept of ED/ XXXX {$1000.00} 20 ) XXXX XXXX   {$4800.00} 21 ) XXXX XXXX XXXX XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I transferred my account from Merrill Lynch to another broker on XX/XX/XXXX, but not all funds got transferred. Merrill Lynch held back {$19000.00} in funds, including over {$10000.00} in cash proceeds from trades that had settled. I was locked out of access to those funds. I called on Monday, XX/XX/XXXX and was promised it would be resolved the next day. It wasn't. I called every day, spending over two hours on the phone over the course of three days. Each day I was told the money would be released the next day, but it was not. Today, XX/XX/XXXX, my account shows online as " closed '' and I have no way to access my cash balance or transfer it out.

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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 recently reviewed my credit report in XXXXXXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XXXX Inquiry three : CAP ONE NA INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing to dispute several accounts on my credit report that I believe are the result of fraudulent activity. I have been disputing these unauthorized accounts several times and I believe that this will be the last time that I will escalate these items. 
The following accounts are the ones I am disputing : 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 2023-01-06
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-25
Company: Idaho Housing And Finance Association
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FIRST MY HUSBAND HAD A XXXX IN XX/XX/2019. HE WAS OUT UNTIL THE MIDDLE OF XXXX FROM WORK. SO OF COURSE WE FELL BEHIND. THEN COVID19 HIT AND WE'RE FORCED TO STAY HOME WHICH PUT US EVEN FURTHER BEHIND. I CONTACTED THE MORTGAGE COMPANY TOLD THEM OUR SITUATION AND WANTED TO USE THEIR COVID19 HELP PROGRAM THAT THEY SUPPOSIDLY HAVE GOING ON. THE REP ON THE PHONE TOLD ME A FLAT OUT NO THAT THEY WERE NOT GOING TO HELP US! CONTINUING TO FALL BEHIND EVEN MORE NOW- We FELL SO FAR BEHIND I WAS SCARED OF LOSING OUR HOME. SO I CALL AGAIN TO ASK THEM TO PLEASE HELP US. THE REP ASKED WHEN I CALLED LAST TO TRY AND GET THE COVID19 HELP AND HE HANGS UP ON ME! I CALL BACK AND TOLD THEM EVERYTHING A~GAIN AND THEY SAID THEY SAW NO CALLS FROM ME AND WE ARGUE BACK AND FORTH ABOUT IT. ONCE AGAIN THEY HANG UP ON ME!! THEY'VE CHARGED US LATE CHARGE AFTER LATE CHARGE AND THEN LATE CHARGES ON TOP OF LATE CHARGES! I JUST DON'T KNOW WHAT TO DO?! MY HUSBAND FINALLY WENT BACK TO WORK. HE ALSO HAD TO CALL HIS DAD BECAUSE THE MORTGAGE COMPANY WAS THREATENING TO TAKE OUR HOME- HIS DAD IS XXXX YEARS OLD AND HAS NO EXTRA MONEY BUT LOANED US IT ANY WAY PUTTING HIMSELF BEHIND ON ALL HIS BILLS~!! WE WERE ONLY ASKING FOR HELP THRU THE MORTGAGE COMPANY FOR 3 REASONS 1. ) IN FEAR OF LOSING OUR HOME 2. ) THEY OFFERED COVID19 HELP 3. ) WE NEEDED HELP DUE TO COVID 19. PLEASE HELP THANK YOU

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion, XXXX, and XXXX refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.

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 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX ) XXXX  / XXXX  Date Opened : XXXX  XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
During the pandemic I had trouble keeping up with credit card payments. I enrolled with a non profit credit counseling agency ( XXXX XXXX XXXX XXXX XXXX  XXXX aka XXXX ) in XX/XX/XXXX. XXXX Representatives reached out to all of my Credit cards enrolled in their program to reach a terms of agreement and payment agreement. Note this was not a settlement. Full account balance payments would be paid but negotiations were made on lowering interest rates and amount due every month. My problem lies with one of my credit cards from Synchrony bank XXXX XXXX XXXX XXXX account. 
Synchrony agreed to XXXX agent proposal for no interest and a specific amount to be paid monthly and I have been making those payments regularly every month as agreed to XXXX who disperses payments to the creditors. Now in XX/XX/XXXX XXXX notifies me that Synchrony bank for XXXX XXXX XXXX account is charging me an extra $ XXXX. The XXXX agent and myself called on a conference call to inquire about the charge. Synchrony said that a promotion on the card ( which I knew absolutely nothing about and was NEVER discussed in XX/XX/XXXX or time of purchase in XXXX ) expired and since I didnt pay the full amount by XX/XX/XXXX XXXX 3 months after I enrolled in XXXX  Program ) I have to pay full interest for the balance. I expressed that I knew nothing about this and this was not discussed with me or the XXXX agent at the time of our new agreement in XX/XX/XXXX. They are now breaching the new contract we made in XX/XX/XXXX to charge me interest. This was lack of communication on Synchrony end and very deceitful. They agreed to have me pay the full amount with NO interest and now decides to charge me full interest on the balance. That is completely wrong. I would like the XXXX charged to my account removed as they failed communicating this with their customer and to the XXXX agent and are breaking an agreement. Regarding account ending in 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 2021-03-18
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX stolen XX/XX/2020. Cash app acct was taken over ( cash tag/email/phone changed so i didn't know it was accesed and locked me out of account ) reported this a few days later when i realized the acct was empty. Cash app did nothing about unauthorized transactions, kept me out of account until it was too late to dispute charges. I can not get any details of transactions that would've enabled me to dispute thr charges eith the merchants. I lost about {$700.00} and information on parties responsible for fraudulent charges. I was let into my acct recently after they accepted my IRS stimulus checks and I posted many negative reviews and complaints online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: GA
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: Billing dispute for services

Complaint:
XXXX XXXX made a {$1000.00} payment to XXXX XXXX XXXX on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted XXXX XXXX XXXX only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; XXXX could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
XXXX XXXX XXXX appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : 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 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 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.

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 2022-10-03
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have requested my loan service provider ( edfinancial ) to refund a payment of {$10000.00} I made during the pandemic because I qualify for the {$20000.00} loan forgiveness outlined by President Biden 's student loan forgiveness program. I requested this refund on XX/XX/2022. Edfinancial said it will take up to 6 months for my refund to be processed. I never received confirmation that this refund request has been initiated, nor clarity on why the timeline is very long to process this refund ; I see no activity recorded from their end on my edfinancial account of me submitting this refund request. I have called twice asking for a confirmation email to be sent to me that states edifinancial has received my refund request, and clarity around : 1 ) why it would take 6 months for this refund request to be reflected on my account since other service loan providers have a much shorter time frame for processing and have been able to reimburse people much faster 2 ) why edfinancial is providing inconsistent timelines to different people ( I have peers who have been told they would receive it within 180 days versus 6 months for me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
As consumer and natural person, was denied when I applied for credit by CITIZENS BANK, N.A on Loan Number ending XXXX XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX. 

CITIZENS BANK, N.A are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by CITIZENS BANK, N.A. due to the response I received. CITIZENS BANK, N.A is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CITIZENS BANK, N.A. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The loan should've been approved.Citizens One XXXX XXXX  also monetized the application. 
Citizens., NA XXXX XXXX  is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 

15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports.

15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.

Company response to consumer: Closed with explanation