BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: Statewide Credit Services Corp.
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:
I paid a settlement amount over two weeks ago and got a confirmation number, yet the amount is still showing as active and going up. When I called this creditor they claimed that they just sent proof of payment and the letter is on its way. I asked why I can't get a confirmation email and the collector states the don't send emails. I have not received a letter and the money came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX  says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX XXXX  on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am XXXX with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX  of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX XX/XX/XXXX balance of XXXX  in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.

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 2020-09-02
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE COMPLAINT : I refinanced my home in beginning XX/XX/XXXX with XXXX. They subsequently sold my loan to XXXX effective XX/XX/XXXX. The first half of my XXXX mortgage payment went to XXXX, 2nd half went to XXXX, both were {$820.00}. 
Loancare took over servicing my loan effective XX/XX/XXXX, after XXXX filed for XXXX. 
Somewhere along the way Loancare determined that I was missing a payment, but I'm certain I am not. I have been making 2 payments in the prior month on the XXXX and XXXX, for the upcoming month 's mortgage. I can't count the number of times I've contacted them and explained this. Loancare has always removed late fees when I re-explain I make 2 payments in the prior month for the upcoming month 's mortgage, and they look at my account, but then within a month or two, they send me a Reminder Notice to pay my mortgage and there are more late fees and missing 1/2 payment. I have sent my bank statements repeatedly showing I have missed no payments. In early XXXX I had a conversation with them and the CSR pointed out that it looked like I missed a payment somewhere in XXXX of XXXX, but I haven't. I have a XX/XX/XXXX XXXX showing the 2 XXXX payments ( made in XXXX ) and there were no past due amounts. On XX/XX/XXXX I resent all my bank info again to them and they responded " The proof of payment provided is not sufficient. If further research needed please provide the transmittal form from your bill payer to further research your request. '' At this point I'm so tired of going through the same routine, I sent an extra payment on XX/XX/XXXX of {$800.00}, so for XX/XX/XXXX, they received XXXX {$800.00} payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX, I received in the mail a Payment Reminder FOR XXXX, DATED XXXX, SHOWING I OWE THE FULL XXXX AMOUNT WITH MORE LATE FEES TOTALING {$250.00}. FOR OVER A YEAR I'VE BEEN DOING THE SAME THING WITH LOANCARE WITHOUT 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 explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: NV
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:
The credit reporting agencies did not correct my credit files whereas they are still reporting unauthorized accounts inwhich was derived from my identity being compromised and misused in away, I'm misrepresented. In light of my previous attempts I've also demanded physical documentation as well as the Method of Verification used in regards to these accounts. Before any escalation of these claims charging the major credit reporting agencies, I'm demanding that these accounts be removed and blocked as of this writing. Please remove the following : 1 ) XXXX XXXX   {$700.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX XXXX XXXX {$300.00} 4 ) XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX  XXXX 7 ) XXXX XXXX {$600.00}

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 2019-08-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Husband, XXXX Veteran, lost job. We got behind on payments. Mr. Cooper/Nationstar restructured the loan added {$600.00} to the monthly pmnts for 12 months. Husband got new job, but could not afford NEW $ 3000 monthly pmts. Mr. Cooper wanted full pmnt on arrears ( {$6000.00} ) to get back on regular pmnts ( {$2400.00} ). Asked Mr. Cooper/ Nationstar to move arrears to the end of the loan. REFUSED. We tried to make payments in other amounts. Mr. Cooper cancelled the restructured loan, and REFUSED to take payments demanding full arrears. Meanwhile, trying to get caught up on other accts. Listed the house for sale. Aprox 3 weeks after listing, neigbors tree fell in our yard causing non- estructural damages to the property. Had a potential buyer, but due to damages ( fence, gazebo, exterior, aprox $ 50k ) buyers offer was cancelled. Settlement for damages from XXXX XXXX aprox $ 25k. Repairs were done as required by Mr Cooper/Nationstar. Inspectors from Mr. Cooper came home on XX/XX/19 and prepared 100 % repairs completion report, inspector REFUSED to provide us with copy of 1 page report we signed, his name or contact number. WE NEED to provide XXXX XXXX ( per claims department ) with copy of the 100 % repairs completion report from Mr. Cooper to get $ XXXX settlement money released from claim. Mr. Cooper REFUSES to release the 100 % repairs completion report and for 2 weeks has been giving us all kind of excuses, still uploading, I see it, but cant download it, maybe this afternoon, call us again, its no longer available, will send a research request we might need to schedule new inspection unfortunately we dont do emails or fax, once report is available we will mail you a copy, etc .... Inspector from mortgage ( independent contractor ) explained to us report would be ready and avail within 24 to 48hrs. after Inspection. Two ( 2 ) weeks from inspection still no report, still no money from XXXX XXXX after 3 months. Foreclosure begins XX/XX/19. Husband requested a loan modification early XXXX they insist they will NOT have an answer BEFORE XX/XX/19!?!?? We wanted to use settlement money to pay arrears, get caught up, go back to regular payments and save our home where a XXXX and XXXX y/o grandparents live, and a kid in college, and 2 dogs, and a cat, husband and wife trying just about everything to save our home. Mr. Cooper/Nationstar has put all kind of obstacles and refuses time after time to help us in any way to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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:
In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... 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 2019-08-10
Company: EQUIFAX, 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:
In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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: Information belongs to someone else

Complaint:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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: Information belongs to someone else

Complaint:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.

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 2020-09-02
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: Information belongs to someone else

Complaint:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.

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 2020-09-02
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: Information belongs to someone else

Complaint:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.

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 2021-03-26
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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:
i have been a victim of the dark web and the Equifax 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 EDXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
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:
XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello Team, I had purchase XXXX XXXX XXXX model with XXXX XXXX XXXX XXXX of XXXX Massachusetts on XX/XX/XXXX and when I had bought the vehicle I had took loan with Kia motor finance which was endorsed by the dealer. I duly closed the complete loan amount XX/XX/XXXX as I did a auto refinance to another institution, and now the loan amount with Kia motor finance was paid off. 

When I had bought vehicle i had bough couple of packages with XXXX which was again told by my dealer and since I wasn't satisfied with the product I canceled the service a year later, now this product was prorated and there was refund cheque to be issued to me, the dealer never sent cheque to me instead he sent cheque to KIA motor finance which in first place was wrong, moreover KIA motor finance en-cashed the cheque on XX/XX/XXXX for {$1200.00}. I had been following up with them from XX/XX/XXXX to get the money refunded back to me however they are just delaying the procedures, initially it was stated i will get a refund in a week and then when i went back to them on XX/XX/XXXX week they stated it will be sent by XX/XX/XXXX week and now they state it will take 1 more month, they are holding my money without no reason. If a customer doesn't pay money on time banks apply penalties and interest and now since they have en-cashed money which is not belonging to them and they are refusing to send money to me on time what penalties can be implemented on KIA motor finance and also what action can be taken on the dealer who endorses them in first place. I need help. Can someone assist me? 

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 explanation
Consumer complaint received 2020-11-21
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account under my name at SunTrust Bank. XXXX XXXX XXXX XXXX, TN XXXX i called Suntrust and they wanted my social security number over the phone and i would not give it to them I am still receiving information about my account in the mail. I live in Massachusetts and there is no SunTrust branches here. I also received notification of enrolling in Overdraft protection, which i did not apply for either.

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