BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I'm a senior and a victim of wire fraud by Champion Mortgage! 
In late XXXX I requested a payoff figure on my reverse mortgage from my then mortgage servicer, Champion Mortgage. They informed me that my payoff would be {$170000.00} and that figure was good through the end of XXXX. On XX/XX/2020, I wire transferred the funds to Champion to pay off the loan. 
Eight days later, I received a letter saying my loan was being assigned to FHA with XXXX XXXX servicing the loan effective immediately. A mortgage assignment was filed with the XXXX XXXX XXXX on XX/XX/2020. 
My understanding is that under the Truth-In-Lending Act, I'm supposed to be informed of this prior to the transfer. That did not happen. 
I immediately called Champion to inquire about my {$170000.00} wire transfer. Customer Service at Champion rudely informed me they can't give me information because the loan had already been transferred to XXXX. They told me to contact XXXX. 
After trying for nearly a month and half to find out what is going on, XXXX finally informed me and my fraud investigator that FHA could not record a satisfaction of mortgage because I still owed an additional {$580.00}. I was told to send them a cashier 's check ( XXXX apparently doesn't accept electronic payments or wire transfers ) and I would receive a written letter saying the loan was paid in full within XXXX days in the event a satisfaction of mortgage was not recorded. 
On XX/XX/2020, I sent XXXX a cashier 's check for the {$580.00} via XXXX ( XXXX # XXXX ) The XXXX envelope was received on XX/XX/2020. 
I contacted XXXX on XX/XX/2020 to see if the payment had been processed and was transferred from XXXX to an FHA call center. The woman was absolutely no help and would not or could not give me a straight answer. 
To me a senior on a fixed income, this is wire fraud and Champion Mortgage stole my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry on XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022, When I spoke to the customer service rep they had told me would be a soft pull on my credit. I tried to explain this to XXXX around XX/XX/2022 and they weren't having any of it. I would have never asked for a increase had I known they were going to give me a hard inquiry. The hard inquiry was done 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 2018-02-14
Company: United Recovery Solutions
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: FL
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 resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid off a car loan 4 years and they never sent a release of Lien letter to XXXX nor to me. After filing my complaint with the XXXX, XXXX XXXX the CEO of the credit union pulled my credit and caused my score to drop 23 points. I didn't authorize them to do so. It was done in an act of retaliation. There was no reason for them to do so. I have been working with a credit repair company an I explained that to Mr. XXXX. On or around XX/XX/XXXX, I checked my credit report and found that XXXX XXXX XXXX XXXX had pulled my credit report without authorization from me to do so. I didn't apply for any type of loan. Therefore they had no right to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: OH
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:
Experian furnish unknown inquiries on my credit report that I dont recognize and did not authorize UNDER 15 USC 1692e & 15 XXXX XXXX they are in violation of the FCRA and I want these inquiries removed immediately Rentgrow XX/XX/XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-04-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. There are fraudulent accounts on my credit report that are not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I also have a NOTARIZED letter stating it is me that submitted everything to the XXXX reporting agencies. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Cornerstone Mitigation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I KEEP GETTING MESSAGES FROM cmg associates about a person owing a debt to them, I told them am not the person they looking for but they keep calling and leaving threatening messages to my voice mail

Company response to consumer: Untimely response
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: MA
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:
How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: MI
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-10-29
Company: Strategic Alliances, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: IN
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 made numerous attempts with EQUIFAX and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get EQUIFAX to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Equifax has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. My initial request for information verifying or removal of the accounts these accounts was mailed to EQUIFAX on XX/XX/2018. The accounts are XXXX. XXXX XXXX, Ky XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  .I have documented many of my request for information and have received confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital Systems showed up on my credit report with a past due XXXX XXXX bill of {$950.00} from Maryland in XX/XX/XXXX. I contacted XXXX, proved to them it wasnt me, as i was locked up at that time. I also disputed through 3 credit reporting agencies. 
Now, Jefferson Capital is saying the bill was from Maryland from XX/XX/XXXX, but I've lived in NC from XXXX. I cant get them to answer me, and my credit rating says they are counting every month now as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/2020, The merchant XXXX issued a credit in the amount of {$200.00} towards my American Express Serve card, however American Express claims that the credit is still being process. The funds were already credited by merchant, American Express is delaying the refund because they play with your funds for several weeks to gain interest. American Express ones again has engaged in Florida 's Unfair Business Practices. Funds must be released immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of I dentity theft I have sent an FTC report and have spoken with the creditor let them know the account is not mine and it needs to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/20XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
REQUESTING COPIES OF ALL PAYMENTS APPLIED TO XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX ALSO REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE ABOVE ADDRESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Sunset Management, Inc
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I intended to make all loans current as soon as I could. I just recentley have gotten to a place financially where i can begun paying again. I was out of work with XXXX in XXXX. And out of work intermittenley all year due to an national chip crisis in the automotive industry. Sc unemployment took 6months to approve my lay off wages. I also had a XXXX XXXX for the past XXXX weeks. Sunset finance has worked wth me quite well but after explainung all this to them the calls, the at home door knocking and letters on my door step, contacting my relatives, sitting in my elderly mothers front yard or driveway etc etc need i say more ... it gotten way out of hand. And i will not pay anything because I am being harassed to do so. In the process of all this i also had to make a residence move in XXXX and did not informt he company ( not intentionally ) but somehow they acquired my new address and were waiting on me in my complex parking lot when i srrived after a very long frustrating day. I made a payment that day and informed the manager I would be back as soon as my short term XXXX began. But the day I cashed my 1st check the manager was knocking at my door at XXXX on a saturday for 2hrs straight. So i havent made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
Transunion illegally reinserted a deleted item on my credit report account XXXX XXXX XXXX does not belong to me, I am a victim of id thief and Transnion has been made aware Also there is a new account that just popped up from XXXX XXXX  that I never opened

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 submitted certified letters to Transuion, XXXX, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

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 2020-09-08
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Huntington Bank is making it very difficult for me to close my business checking account. They say they require me to come into a branch or send a notarized letter just to close the account! I do not want to do either of these things because both require interacting with people unnecessarily and putting myself and others at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry in my credit report from : XXXX/XXXX on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

Also from Chase Card on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX XXXX XXXX, multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XX/XX/XXXX 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.

Company response to consumer: Closed with non-monetary relief