BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: Mr. Cooper 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 is missing that should be on the report

Complaint:
We filed bankruptcy in XXXX and tried to complete a reaffirmation with Nationstar aka Mr. Cooper and they denied it. Since this took place they stopped reporting the loan to the credit bureau even though we were making the payments in a timely fashion. We later completed a Modification with them and they still would not report the loan. In XX/XX/XXXX we sold the property and paid the loan in full to the original amount including the modification non interest bearing principal balance. We just received a copy of our credit report and noticed they did not report this loan as paid in full. We received the Satisfaction of Mortgage but the at this point they have not reported this to the credit bureaus and due to this our credit has been affected during the last nine ( 9 ) years due to this situation. We made numerous attempts to have this issue resolved and they denied to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received another can letter from Experian and XXXX  stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.

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 2020-02-04
Company: SYNCHRONY FINANCIAL
State: MS
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 placed an order with XXXX  XXXX on XXXX XXXX for two dresses to attend a XXXX XXXX ball on XX/XX/2020. I paid for the dresses through my paypal line of credit. Well I have emailed and called and emailed and called the XXXX  XXXX company and have not gotten a answer or update on my order. So being that I needed the dress by XX/XX/XXXX and it does not look like its coming, I filed a dispute with paypal ( whom i paid for the items through ). All paypal did was tell me they have reached out to the company and Have not got a response from them.. I have read reviews on The XXXX XXXX company and many buyers are saying that experienced the same thing that I am experiencing and some even said they never got there order and the company nor paypal will give them their money back. I can not understand why paypal will be letting this company use them and they are a fraud.

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 2020-05-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern, I have my FHA mortgage with Lakeview/Loan Servicing LLC. Their website and phone message state they will get back to you within 3 days after requesting forbearance due to covid-19. That is a lie. I applied in the past 2 weeks and have heard nothing back. I am unemployed and my mortgage is due and can not pay. They may be in violation of the Cares act. This company has major trust issues. This is not first I or anyone has complained about them Please help! 



Thank you! 

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 2019-09-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts were found on my report after checking it after a couple of years and are fraudulent accounts. 


01 NETCREDIT XXXX XX/XX/2017 2017

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2020 I received a refund of {$46.00} from XXXX. I called TD Bank to see if the refund was applied. They reviewed my claim for a credit and XX/XX/2020 they reversed the merchants decision. I called the company as late as XX/XX/2020 and they told me they refunded my money. Meanwhile I get my mini-statements from TD Bank and they show the {$46.00} on 4 statements as 2 debits and 2 credits. i keep a " log '' of all my transactions and I am still short {$180.00}. I can't walk a mile to the nearest bank so I keep calling and wait upwards of 30 minutes on the phone ; still can't get through. I told the Federal Trade Commission every month for 2 months and they gave me your number and website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).

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 2021-03-01
Company: Holloway Credit Solutions
State: AL
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 just obtained a copy of my credit report and I was very surprized to see several unauthorized account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.

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 2019-09-26
Company: Experian Information Solutions Inc.
State: KY
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:
After doing several disputes with Experian, and XXXX  I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky 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 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A double payment from my chase debt cart to chase credit card posted. They wont refund only put in a request and will be 3-5 days before refunded. That money was for from now until Tuesday when I get paid and that required me to pay them {$30.00} fee to stop a pending bill payment to another payee so I atleast have {$200.00} at midnight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on 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 explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX  injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX  XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX  explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/19 XXXX XXXX XXXX ( XXXX XXXX ), a Home Mortgage Consultant from Wells Fargo ran a hard pull on my credit without consent. I never was aware and did not sign anything. There was a conversation in which I was simply asking him what the process was and he said he would ask me a few questions and then he would run numbers that made sense for a mortgage. I asked him to not run a hard pull knowing that I needed to protect my credit rating and those affect the rating. 
During a phone call on XX/XX/19 I discovered that he did in fact make a hard rather than soft credit pull and I was furious. Not ready for the process, I was simply asking him about next steps and he has now put me in a terrible position by not authorizing this. 

I now am ready to shop lenders and the date XXXX did this is now outside of the timeframe that multiple mortgage pulls are allowed without negative consequences. I will be also filing a complaint with all 3 credit bureaus with the intent to have this removed. 
In addition to this, XXXX XXXX advised me to try and help my credit report by applying for a loan to help pay down my credit cards. I have come to find out this is exactly the opposite of what someone should do. 
When I asked that he close my account he responded that he did not have to. He called me and I told him I wanted him to. After 2 more emails of telling him I wanted it closed, he said that he did however, I did not receive any other confirmation of this besides his email which stated " It been cancel Have a great weekend and if you need anything please let me know. '' This man has terrible judgement and quite frankly took advantage of my naivet. He does not seem to be an ethical man and I want this removed from my credit report and consequences given to him for his actions. 
Here is his information : XXXX XXXX Home Mortgage Consultant XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX Tel XXXX | Cell XXXX | eFax 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 2020-05-02
Company: EQUIFAX, 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:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reported fraud on XX/XX/XXXX. A {$1500.00} transfer was made to a XXXX   which I have no idea about. Also a {$76.00} charge for checks that usaa said was sent to some woman i have never heard of in another state. My account was credited these amounts in the following days. Since, i transferred money to my credit union account in the amounts of {$4900.00} and {$4900.00}. It was in my credit union account for over a week when USAA requested it back from my credit union? It was withdrawn on XX/XX/XXXX and as of today, USAA has not given me credit? Im out almost {$10000.00}!! Please help! Ive spoken to dozens of people at USAA and get a different story EVERY time! No one cares! I need this money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions 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:
In XX/XX/XXXX I noticed that their was an incorrect reporting on my Experian credit report. This negative reporting according to Experian 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XX/XX/XXXXl I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact Experian and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, Experian only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted Experian 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record  keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.

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 2018-03-26
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: I.C. System, 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 C System Opened XX/XX/2016 + {$190.00} Original creditor : XXXX XXXX   XXXX XXXX This is not my collection account. This account was opened fraudulently.

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