BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.

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 2017-08-04
Company: Lendmark Financial Services
State: NC
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:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Radius Global Solutions LLC
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: Their investigation did not fix an error on your report

Complaint:
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.

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 2020-10-30
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can
reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Finished all required activities but didn't receive account opening bonus. Contacted customer service and the reason they denied the bonus was not listed in required activities term. Citi might be false advertising in the promo email to allure potential customers to deposit money with bonus that they will find every excuse to deny. 

Required Activities Eligible Customers must 1 ) enroll in the AAdvantage Offer between XX/XX/20 to XX/XX/20, and according to the Chart below 2 ) must open a checking account in an Eligible Checking Account Package 3 ) complete a Citibank Debit or ATM Card Purchase corresponding to the Eligible Checking Account Package requirement in the Chart within 60 days of account opening, and 4 ) make 1 or more Qualifying Bill Payments for 2 consecutive calendar months within 60 days of account opening. 

Contacted customer service and got this reply : " Upon checking, I see that you opened this account on XX/XX/2020. 

The promotion states that if you open an account, deposit the minimum balance within 30 days and maintain it for the next 60 days, you'll get the promotional bonus within the next 90 days ( from the 60th day ). 

But I see that you deposited {$50000.00} to this account on XX/XX/XXXX, which was more than 30 days after opening your account. 

So, I'm sorry to inform that your account doesn't qualify for the cash bonus as per this promotion. " After I pointed out that this is not a required activity, the customer service representative came back with another condition that's not clearly specified in the terms. 
" I checked these transactions and see that these payments were set up from your Credit Card account, which makes these payments as ACH debits in your Citibank account. I'm sorry ; but the Qualifying Bill Payments means they should be set up from this account in your CItibank profile. ''

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 2020-05-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I settled payment was paid in full of XXXX $ They advised it will be removed and updated as such. They are now saying I owe XXXX $ it is now reflective on my credit report as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, THE XXXX  XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE. THE CHARGES ARE FRAUDULENT, THE ACCOUNT WAS OPENED MAINTAINED AND CLOSED WITHOUT MY CONSENT.

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 2020-10-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I filed a dispute on Chime Bank ( XXXX  ) on XX/XX/2020 at XXXX onwards after that I got an email from on the same day that my dispute case was closed and there was no error at my end and they couldnt provide any credit to my account. as far as i know that the investigation takes 90 days but to qualify for the provisional credit they should investigate atleast 10 business days. I lost $ XXXX in unauthorized charge on my account and they just dumped my case like nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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:
Due to me being a victim of identity theft I spoke with XXXX XXXX XXXX on XX/XX/2020, I spoke with XXXX at XXXX on XX/XX/2020, and i also spoke with XXXX at Equifax on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: MD
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:
I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP. There are several items on my credit report that are reporting inaccurately and they should be removed. 

XXXX, XXXX, and Experian have yet to send ANY correspondence for my requests and completely ignored every letter.

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 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
Lost my card was charged XXXX on XXXX for so.ething i didnt buy. They opened an investigation and almost immediately stated that no fraud was found and closed my investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to go online and view my dispute results and for like the past 2 weeks, it says page unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient on your nine page Federal Family Education Loan Program ( FFLEP ) Federal Consolidation Loan Application and Promissory Note dated XX/XX/2004 contract why is no Guarantor, Program, or Lender Identification on it for promise to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX TransUnion and XXXX remove my public record XX/XX/2018 and it has showed back up my my credit file as of XXXX sent in letters to them asking them how they verify public record they say through bankruptcy court which is a lie I sent them proof from the court and proof pacer which both states they dont verify anything with 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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ga. XXXX See attached 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 2020-11-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I paid an additional {$2200.00} as the company said I was short on escrow by that amount. This is due to the fact that in XX/XX/XXXX, they paid me out of the escrow $ XXXX in error because they did not calculate properly. 
On XX/XX/XXXX they paid my homeowners my homeowners never received the payment On XX/XX/XXXX, they paid my homeowners again. 
XXXX in the escrow dept said that the homeowners refunded the double payment, but my escrow account was not credited the {$2300.00}. Only the withdraws are showing. 
On my mortgage statement, it shows {$4700.00} paid to Homeowners On my statement, it shows my YTD Escrow payments as {$5900.00} My escrow balance is showing {$2900.00}. 
If I made a {$10000.00} payment to principal and my XX/XX/XXXX payments are {$760.00}, then how is the PAID YTD on my statement only {$16000.00} which does not even include XXXX - XXXX payments. 
with all of their errors i feel like I am playing the shell game with my money and trying to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicing was assumed by Shellpoint Mortgage Servicing earlier this year. Upon receiving a statement, there was an additional {$2400.00} owed that was never on our account from the previous servicer. Shellpoint state this is a bankruptcy attorney fee. We have not filed for bankruptcy since 2006. The servicer at that time was XXXX. When we filed, we reaffirmed our mortgage. XXXX agreed to forgive all legal fees involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Acceptance Corporation never provided me with a copy of the proof of sale from the auction they held to sell the repossessed vehicle. I was never given the opportunity to review whether or not they sold the vehicle for a fair market value as is my right. They are reporting this negative charge off on all three credit bureaus ' reports. I want the account removed until they can prove to me the law was followed.

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 2020-05-15
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
Contacted my mortgage loan company on or about XX/XX/2020 about any programs available to delay payment of our home mortgage due to the Covid -19 issue. The PHH Agent said that they could do a forbearance for 90 days without reporting this to the Credit reporting agency 's. I requested information to be sent to my x-wife as she is a partner in our property. The info was to be mailed to the property address. About a week passed without receiving any correspondence. On the XXXX of XXXX I generated an email to PHH I had not received any correspondence. On XX/XX/XXXX I received an email stating that PHH records indicate the Forbearance Plan had been set up. Due to high volume there could be a delay. We did not request to be put on any plan only for information. On XX/XX/2020 I was alerted that my x-wife 's FICO dropped 52 points and when checking mine found it had dropped 62 points even though our mortgage payment for XXXX had been paid. On XXXX I spoke to XXXX  ID # XXXX and was told that a Supervisor from credit reporting would call me back in 24-48 Hrs. XXXX called back and said he was the Supervisor and there was nothing he could do and I should contact the credit reporting companies. I requested his Supervisor and have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new checking and savings account with Sun Trust Bank ( big mistake ). I have never used the account, but set up a direct deposit from to hit it. Out of the blue today, when trying to get a debit card, I was told my account is being closed. My paycheck is sitting in the account for as long as they feel like keeping it, and I am unable to pay my bills. I work hard, and this bank is literally putting my housing at risk. It's disgusting. I can not even log in to the online banking site to access information. I'm distraught. Please help me.

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 2020-11-23
Company: D&A Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I wrote an affidavit to the company D & A Services , LLC regarding a credit collection in the amount of {$630.00}. In the affidavit I listed the violations that the company had committed in the amount of {$2000.00} also I included a invoice for the company to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: MOHELA
State: GA
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 was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.

Company response to consumer: Closed with explanation