BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: Mr. Cooper Group 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:
Company continues to report a debt that was discharged in bankruptcy in XX/XX/XXXX to credit reporting agencies up toXX/XX/XXXX negatively affecting credit score. 

XXXX XXXX XXXX currently is reporting the debt and held the debt at the time of the bankruptcy filing, Nationstar Loan Management held the debt prior to XXXX and also is continuing to report the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/2018 XXXX leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of XXXX XXXX who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that XXXX XXXX was reporting me 60+ days past due on the lease. I immediately contacted XXXX XXXX and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. XXXX XXXX should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. XXXX does not seem to be in any rush to follow through on their promises or obligations to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent in dispute letters to the credit reporting agencies ( equifax, XXXX, and XXXX  ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/2018 and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Citibank debit card holder for around 1 year ( opened XX/XX/XXXX ). On XX/XX/XXXX I was restricted from accessing my account. I called technical support to see what the issue was. I was told " my account is subject to closure and you will receive a letter in the mail along with the funds in 30-60 BUSINESS DAYS. '' THIRTY TO SIXTY BUSINESS DAYS ... That is a long time to hold onto my funds without giving me a reason as to why my account is closed. 

Since then, I have tried to contact them on multiple occasions. On these dates, I called different citi departments who routed me to the risk department department ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On each occasion, I verified my account, was told I would receive the letter in the mail in 30-60 business days and that they were going to hang up now because that's all the information they could provide. 

Why can I not get an answer as to why my funds are on hold and account is closed?

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 2018-08-24
Company: Ray Skillman Westside Imports Inc
State: IN
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:
On XX/XX/18 I went to seek purchasing another vehicle. I already had a pre-approval from XXXX XXXX that I wanted to use for financing with the printed out confirmation number. I informed the salesman ( XXXX ) when he went back to his finance rep 's office ( XXXX or XXXX was his name ) that I did not want my credit ran through different banks and that was the reason for me trying to finance through XXXX XXXX. Later that night when was home I started receiving XXXX XXXX emails informing me of inquires ran on my credit through XXXX and XXXX. I did not give them permission to do this and when I informed the salesman of this they should have asked my permission first. I called them on XX/XX/18 and was told that they can't do anything about removing them now. That's unacceptable and very unprofessional. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Ditech Financial LLC
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 status incorrect

Complaint:
On XX/XX/XXXX, I wrote to DiTech Financial asking for proof of a late payment that they were reporting to all 3 credit bureaus. As of that date I have not received correspondence and they are still reporting a late payment on my credit report for XX/XX/XXXX. Furthermore, I have been advised that DiTech Financial is no longer in business and there is no one there to take my request to investigate this matter. I would like for the late payment to be removed from my account for all three Credit Bureaus indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Family First Funding LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I registered and attended New Jersey XXXX expo on XX/XX/2018 at The XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. I participated in the home buyer class. Attendees were told of a NJ State government program that gave first time home buyers {$10000.00} grant to help with down payment. Also present were some financial institutions, who have agreed to work with the state in providing loans to individuals who meet the criteria for the loan. The only condition for this loan was that a beneficiary must live in the house purchased for a minimum of five years. If the beneficiary decides to sell the house before the end of this five year period, he or she will pay back the money in full. Unfortunately, I engaged one of the firms ( Family First Funding LLC ) that I met at this expo for mortgage loan. 
I was approved for {$500000.00} with a credit score of XXXX. But towards the end of the process, the mortgage firm said that my interest rate with be 6.125 %. This came as a shock because the market rate at that time was about 4 %. The loan officer told me that the higher interest rate was due to the fact that I was receiving a grant of {$10000.00} from the state through them. But I was made to sign a paper stating that the grant had no impact on the interest rate. 
The worst thing is that when I spoke to the loan officer about 2 months ago, she told me I can not refinance until after 2 years. At different points I was ambushed with very little information that came at the last minute or when it was impossible for me to look for another lender. 
They lied about the government grant determining the extraordinarily high rate ; and I was never told at the time I signed for the loan that, I can not refinance until after two years.

Why do I have to wait two years to refinance? Is this legal? Is it written in the original mortgage agreement? What is their reason for this exorbitant ( higher than prevailing market ) interest rate?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Have you tried to resolve your complaint with anyone? : Yes Describe your complaint : I have XXXX XXXX XXXX I diagnosis in the month of XX/XX/2018 my XXXX XXXX   was started on XX/XX/2018, I am not working since that time I was behind on my MORTAGE payment XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 on XX/XX/2018 I deposited two checks from different Account {$3300.00} in my checking account and on the same dayXX/XX/2018 I called my 5/3 MORTGAGE Department to let them know that funds will be available after 2 business days for my MORTGAGE payment which will be MONDAYXX/XX/2018, what the mortgage department did they CREDITED MORTGAGE payment on FRIDAY XX/XX/2018, these are professional bankers without checking my AC they charge me OVERDRAFT FEES {$37.00} three times, the specialist did not resolved my issue instead of that he blame on me that you means I am allowed them to charge mortgage payment there is recorded conversation, I humble request you to resolve my issue at your earliest for overdraft fees which is totally unacceptable 5/3 bank forcefully charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: DC
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:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. 

Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XX/XX/19 I submitted a dispute to Transunion regarding the XXXX XXXX XXXX account that is reporting. Transunion stated the account was valid. on XX/XX/19 I requested Transunion provide me with the details on how they validated this account. Transunion has not provided me with the details on how they validated the account. Transunion is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.

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 2018-08-24
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a debt with XXXX XXXX credit card. I was going through hard times in my early XXXX and had to use this card to survive, I was young and naive and didnt know much on how credit works. I am now in my late XXXX and finally financially able to pay this debt off. My account was sold to Hayt & Hayt Landau where I agreed to pay them a monthly amount of {$180.00} on the XXXX of every month since XXXX. I have been paying them since XXXX and I have signed and faxed the settlement documents twice but apparently they have told me they never received the documents even though I had faxed it to them twice. Even though I have been paying them monthly in XXXX they had wanted to take me to court and tried to serve me at my house where I rent a room from, they had given my information to someone else who rents a room from my landlords house I dont really know or talk to this person and they disclosed my personal information to this person. This month of XXXX I had an issue with my debit card and talked to the receptionist asking if I can go to their location and pay on Friday XX/XX/XXXX and she said yes and that they close at XXXX. I drove 1 hour to pay them instead of {$180.00} but {$250.00} and when I arrived at XXXX they were closed. They didnt serve me I have not received documents but they said over the phone I have a court date on the XX/XX/XXXX. All I want to do is pay off this debt that I had accumulated in my early XXXX but I am being harassed by this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX A XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( TU & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  XXXX XXXX XXXX  XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( TU & XXXX  ) Please remove unauthorized inquiries from my credit file : 1 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

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 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

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