BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2019, I requested a free credit report through Experian online and received the report immediately. I was not able to get my FICO score through the " free '' process and was given the option of signing up for credit monitory services for {$1.00} for 10 days and then {$21.00} monthly thereafter. The website said I could cancel anytime. I had no intention of continuing the monthly payment option and tried to cancel my account within the 10 day window. I called Experian at XXXX in an attempt to cancel my account but there was no cancellation option available on their outgoing messages and I was unable to cancel my account. I then went back to their website to try to cancel but just went around in circles and it appears that Experian 's website is, I believe, intentionally misleading and I was unable to find a way to cancel my account. However, there was an email address that one could submit a cancellation request to and I sent the email out to support@e.usa.experian.com on  XX/XX/2019 requesting immediate cancellation of my account. I included my Experian account number in my email but I did not receive an acknowledgement. Later, on/a XX/XX/2019, I received a charge on my credit card for the {$21.00} monthly charge. On XX/XX/2019, I went online again to my Experian account and found more information about how to cancel and I noticed that the phone number for cancellations, XXXX is different from the basic customer service number, XXXX. On XX/XX/2019, I called them and talked to an agent who said that she would cancel my account. I explained that I had problems with their website and that I had sent an email requesting cancellation and that I felt I should get a full refund of the {$21.00} but the agent said that was not possible since they don't give refunds. She said they would cancel my account as of the next billing cycle. 

I believe that Experian 's website and customer service contacts are intentionally misleading and lacking any easy cancellation procedures and therefore, I should receive a full refund of the {$21.00} charge.

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 monetary relief
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a mortgage with XXXX XXXX and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the XXXX XXXX has saw fit to remove this from MY credit history and refuses to put it back on, the Transunion Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.

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 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
15 USC 1681 States I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-11-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This was a few years ago when I was a XXXX or so in the XXXX. I had fell for a loan scam where the scammer asked for my banking info to input funds. like a dummy I fell for it and who ever the guy was deposited fake checks in my account and my account ended up restricted or whatever. I called navy fed then to solve the issue, they did conduct a investigation and said I was at fault for depositing the checks. In which I DID not the scammer did. They never went into detail about anything. Im disappointed in how they treated the manner. Even though I didn't deposit the checks I figured I pay the amount of what it was, to see if I can get my account back. So I called the bank and talked with the charge off department, and the representative told me as long as I paid the amount I can open a new account in which I was really happy about, because I love navy federal. So I paid them the amount only for the security team to tell me I can't open a account, which made me upset. So I get  scammed from some XXXX on the phone ( which I take full blame for ). For a check that I guess went through ( my access was restricted so I couldn't see ) and I can't open a account/account restricted? What happened to protecting the MEMBER? Did y'all even verify my signature?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As a veteran, I feel XXXX XXXX XXXX is no help to us veterans on VA loans programs. 

After a bad car accident and a huge stack of medical bills, we completed our application and was granted a VA Forbearance program. Under the program we were not suppose to be charged late fees, or any late payments reported to the credit bureau. We successfully completed the special VA Forbearance program only for XXXX XXXX XXXX to ruin our credit by reporting late payments to the credit bureau which was not part of the forbearance program. 

We even offered to make partial payments during the special forbearance program and all were refused. We notified them many times that we were making arrangements to bring the loan current and they refused to waive their late payment charges and took rapid action to foreclose on our property. 

They processed a rapid foreclosure even after notifying them that we would be bringing the loan current. They rushed into foreclosure without any discussion with us and the first time we knew about it was when the county notified us of the date. 

We finally convinced them to take our payment to bring the loan current only for them to later sell our mortgage to XXXX XXXX  XXXX dba Mr. Cooper probably to avoid the headaches and press about their underhanded process. 

We sincerely hope that no one else is treated this way by XXXX XXXX XXXX or any other lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account I have tried to dispute and ask for verification and never received any letters or confirmation. I need this deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I used a referral link to apply for a Sofi Student Loan Refinance XXXX # XXXX XXXX which was first approved on XX/XX/2020. When I applied, my referral bonus XXXX {$300.00} ) was present on the application the entire time. Sofi went through two iterations to beat my competitor 's offers and I eventually decided to go with Sofi. I had my loan funded on XX/XX/2020. Having learned from past experiences of companies refusing to pay incentive bonuses, I reached out to Sofi customer service on XX/XX/XXXX about my cashback bonus. I was contacted on XX/XX/XXXX and told the steps I needed to complete to get my bonus sent to my bank account. Over the past month I have been dealing with Sofi Customer Service trying to get them to give me my bonus. I provided the email thread of me discussing the bonus with them directly and the link I used. Of course, yesterday XXXX XX/XX/2020 ) they informed me that they were not responsible for the bonus despite it being applied to my application. Promoting cashback bonuses to have someone accept a loan and failing to provide the bonus is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family and I have been affected by Covid-19, I'm also 100 % XXXX with a XXXX XXXX. I have provided Ocwen Mortgage, XXXX XXXX, PHH Mortgage my financials requested a forbearance and mortgage assistance. I was told by my mortgage company I don't have enough income, I told PHH I'm married my wife works. I provided her information to my mortgage company. They are difficult to work with and unwilling to assist me with keeping my home. I was told by customer service that I could not get a forbearance for my mortgage even though there is a foreclosure moratorium from our President. PHH refuses to work with me also I have spoken with several customer service each one of them have given me different information to me they are trying to make me lose my home to foreclosure. My home is set for foreclosure sale but I have not received a foreclosure letter from the foreclosure attorney. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
Following accounts have been disputed sine XX/XX/XXXX with no response but to send additional verification which was well over the 30 days from my first letter. I sent the proper documentation in my dispute XX/XX/XXXX and feel this is just a stall tactic as they waited almost 2 months to even ask me for additional information Dispute for the following items was sent on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX {$1000.00} This account is still questionable since my dispute on XX/XX/XXXX with no response. High balance still showing {$1000.00} on Equifax when XXXX shows {$0.00}. Also shows that this was transferred or sold and does not indicate who it was sold to which is a requirement. Date of last payment on Equifax shows XX/XX/XXXX but on XXXX and XXXX it shows XX/XX/XXXX. Payment history is also incomplete and does not show any negative remarks No disputed notes on this account as well which is a violation. No disputed notes on this account as well which is a violation. 

XXXX XXXX {$620.00} This account is still questionable since my dispute on XX/XX/XXXX with no response and see changes where made and I was not given any information on why or how the information can now be different. On my report on XX/XX/XXXX the date reported was XX/XX/XXXX and now you have a date reported of XX/XX/XXXX. Date of last active shows XX/XX/XXXX with payment date of XX/XX/XXXX but on my report on XX/XX/XXXX the date of the last payment was XX/XX/XXXX. How is all this information now different and I have still yet to get any information on your investigation. 

XXXX {$1800.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to XX/XX/XXXX 120 days. Past due balance shows {$1100.00} on Equifax and has {$730.00} past due on XXXX  and XXXX There isn't even a dispute remark on this account. 

XXXX {$13000.00} This account is still questionable since my two other disputes that I have not gotten a response on. One of the items in question is this account payment status is Late 120 Days with a payment history of Okay from XX/XX/XXXX thru XX/XX/XXXX the jumps to 120 day in XX/XX/XXXX. Past due balance shows {$12000.00} in my XX/XX/XXXX reported with a date of last active of XX/XX/XXXX and now the Past due balance is {$12000.00} with the date of last active XX/XX/XXXX on my XX/XX/XXXX report. How does any of this information add up to be true. Please remove this errores unverified account immediately.No disputed notes on this account as well which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent documents to have the fraud alerts removed. Experian has ignored this. Its difficult to get customers service. Experians questions to verify identity are not relevant to me and incorrect.

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 2021-02-24
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: TX
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 single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

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 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 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 XXXX XXXX XXXX XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX AND MR COOPER COMMITTED WIRE FRAUD ON XX/XX/XXXX ... 
At the direction of XXXX XXXX, XXXX of Mr Cooper lied on the phone and said they were taking 4 payments and billed me for 3 @ XXXX plus one @ XXXX plus service fees for a {$3800.00} total. For the sixth time at MR XXXX XXXX 's direction Mr Cooper decided to steal a payment to make up for illegally added fees. We will be filing an additional criminal complaint in the state of Florida, and also re-energizing the dormant case since statute of limitations do not apply to out of state crime if this is not reversed immediately. 
MR COOPER LOST A CLASS ACTION SUIT ... WE ARE A PLAINTIFF ... WE REQUEST IMMEDIATE CANCELLATION DUE TO SHORT SALE ... We are exercising our right to loan cancellation when fraud is found and admitted. Nationstar admitted guilt,,, this is not a debate. 

WE REQUESTED A COPY OF THE WIRE FRAUD,,, ONCE AGAIN THEY REFUSED TO COMPLY ... THEY KNOW THE DATE OF THE CALL .... XXXX XXXX and Mr Cooper has serious honesty issues,,, The entire CFPB response was fraudulent. 

MR COOPER IS FULLY AWARE OF LOAN ORIGINATION FRAUD SINCE THEY WERE THE PARTY TO DISCOVER IT ... COVERING IT UP IS A FELONY IN FLORIDA ... XXXX XXXX is fully aware of the 30 day rule on correct loan origination documents. He Conspired with XXXX XXXX to commit XXXX mortgage fraud in Florida. Apparently they think we are joking on a criminal prosecution. I will be filing a criminal complaint tomorrow. 
NATIONSTAR AKA MR COOPER HAS REPEATEDLY TRIED TO STEAL HOUSE PAYMENTS FROM US ... ATTACHED IS A THEFT ATTEMPT IN XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-11-24
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two transactions from a merchant was made from my debit card that I did not make, I reported it to chime and they claim to have ran an investigation and did not find any error in these transactions. Chime said they would share the information used to find their results with me, and when I ask, they've only returned my origional report without any extra information. I am asking Chime to give me the merchants contact information and location so that I may run an investigation myself but they refuse. All I ask for is the merchants contact information or return {$89.00} back to my account for the transactions with the merchant.

Company response to consumer: Closed with explanation