BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Mr. Cooper Group Inc.
State: IL
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:
mr cooper look at what you just sent me asto resolution of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was overdo tazes which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was supposed to close on a home on XX/XX/2019. 
I paid {$3000.00} for closing and approximately {$800.00} for appraisal and inspection. 
{$50.00} on HOA application fee. 

Two days before closing, I was informed that there was a problem with the down payment. The total amount had been wired on XX/XX/XXXX, to the title company. {$51000.00}. It had been wired by my future father-in-law per request by my lender. I was informed that 5 % had to come directly from me, the borrower. 
As I was short approximately {$600.00} in my bank account, my lender advised me to deposit or have someone deposit money immediately. He said to make it an odd amount, like {$680.00} so it did not look obvious. My future father-in-law transference money into my account the next day. Since it showed " pending '' my lender implored me to deposit more cash into my account. Which I did as instructed. I had even transferred money from my XXXX acct to my bank, but my lender said it could not be verified. even though it clearly shows on my account, the transaction. 
After scrambling at his bequest to get my account in order to make my 5 % wire for the downpayment, he just could not get the closing packet to the title company. I sat at title company for 3 hrs on the XXXX. The closing had to be extended to the next day, but again, he did not get the closing packet in. Closing was again extended to the following day, XX/XX/XXXX. I was told by my realtor to go the bank to wire the money, then head to title company. 3 home purchases were hanging in the balance. This had to get done that day or the contracts would expire ... there would be no more extensions. At XXXX on XX/XX/XXXX, as I was heading to the bank, the lender called and informed me that my future father-in-law was not an acceptable donor. None of his money would be accepted, although the money had been wired to the title company on XX/XX/XXXX. 
It caused all 3 home purchases to collapse and everyone involved lost their money and the homes they were purchasing. 
The 3 listing agents involved have filed formal complaints to the board about my lender. I have made numerous attempts to reach out to the mortgage company, only to be completely ignored. 
How did my lender not know this would be a problem? He knew from the very beginning that my father-in-law was donating money. It was my lender who instructed us to just have him ( father-in-law ) wire the entire amount and we could work it out with him later. 
This action by my lender devasted 3 families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: NJ
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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: DISCOVER BANK
State: NJ
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/XXXX, I booked a trip via XXXX XXXX XXXX a travel agency ) with a payment plan split into three transactions. The first of XXXX XXXX on XX/XX/XXXX, payment of XXXX XXXX and then on XX/XX/XXXX, for XXXX $ for a total of XXXX XXXX Then on XX/XX/XXXX, the trip was postponed due to covid which the policy promised a full refund due to covid related issues ( which this was one ). They had the option of a full refund or going on the delayed trip. I opted for a full refund. They said that the refund would take around 90 days. Eventually, after more than 90 days, I got an email saying they would process the refund in 5-7 days. I wasted and nothing was processed. after I emailed them about this issue the company stopped replying to all my emails. To combat this, I filed for a credit card dispute, and Discover only provided a refund for the first two transactions and not the third one. They were all the same purchase split into three transactions, so the decision makes no sense how only part of the refund is given when it was all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was rejected for a credit card due TransUnion failure to provide accurate account information. 

On XX/XX/2019, XXXX XXXX on behalf of XXXX XXXX declined my request and stated as follows : Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have high outstanding credit card balances XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 

Your credit score as of XX/XX/2019 : XXXX This information is inaccurate and I have requested TransUnion to update my XXXX XXXX account to reflect the account balance and report my score accurately. TransUnion on XX/XX/2019 reported my correct XXXX XXXX balance to XXXX prompting my score to be XXXX. 


Thank You

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is reflecting a 30 day late payment when the payment was not late. I've attached a screenshot for confirmation showing a payment was processed in full on XX/XX/XXXX which would've completely covered the balance of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to collection agency " Real Time Resolutions '' in XXXX after bombardment of phone calls demanding that I pay a debt that I was unsure of. I wrote to them and offered settlement if the phone calls will stop, never verified debt and request the debt be validated by the company within 30 days. I also request that if the two criteria 's were met and they accepted my settlement that the debt be reflected as paid in full and removed completed from my credit report. 

Not only did i not receive any written correspondence from the company, the harassing phone calls haven't stopped to this day. Per the Fair Debt Collection Practices Act its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Around the end of XX/XX/XXXX I received several emails from what Appeared to be chase bank regarding an approval of a freedom card. I asked my wife if she applied for this card. Her answer was no. I also asked one of my children if they applied for a card in my name their answer was also no. I deleted two emails thinking they were spam. In late XXXX, I received a credit card freedom credit card from chase bank, and proceeded to find out who did applied for this card. I called Chase and each credit bureau. Our identity was stolen a few years back and its not something I take lightly. I may be highly suspicious but my gut feeling is Chase purposely sent me this card. Appears that my credit agencies decreased my credit rating because of this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX  XXXX - XX/XX/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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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

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 2023-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A Chase Bank check was mailed to me dated XXXX for {$4000.00}. The check was stolen from the mail. An individual fraudulently appended their name to the check and cashed it at XXXX XXXX XXXX XXXX in XXXX, California on XXXX. The individual was a member of XXXX XXXX XXXX XXXX. All three financial institutions are accusing each other of inaction related to retrieving and returning the funds. I have spoken with XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of JPMorgan Chase. I spoke with JPMorgan Chase Fraud on XXXX and they will not provide me with a substantive update. I have filed a similar complaint with NCUA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX   data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2XXXX XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXk {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. 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 2023-02-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 have 3 credit cards that I pay in full monthly that Im the authorized user on. XXXX  is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Their investigation did not fix an error on your report

Complaint:
I just received feed back from TransUnion of the complaint that i had on XX/XX/XXXX that stated my affidavit was not excepted when it was notarized and also had a police report attached to it the accounts the came back on my report where already previously deleted and i have proof of that. Trans Union never sent me a reinsertion letter telling me that these accounts will be put back on my report after they where already deleted on XX/XX/XXXX i was told by a transunion representative that they don't control what someone else puts on my report they just have to dispute it as it comes and i simply asked the lady why do they have to investigate something that was already closed out and deleted she told me i would need to speak with the creditor about that. From my understanding transunion is not doing there part by reporting 100 % accurate information and not taking proper legal documentation seriously a notarized affidavit and police report are legal instruments that can be used in the court of law but they are saying they where not accepted. So now i have to wait an additional 45 days for accounts that where already deleted off my account to be deleted again and the representative also told me that it does not matter if the accounts were fraudulent and that i sent in paper work showing proof they still would have to file another dispute and i would have to wait an additional 45 days.

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 2022-08-12
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting that my Auto Loan for a XXXX XXXX XXXX was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit 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 2019-08-13
Company: CITIBANK, N.A.
State: CA
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:
I am writing to ask for help in a dispute over the Citi Thank Your Preferred Card. I was charged approximately {$72.00} in XX/XX/XXXX for an XXXX on a card that was never activated. The card charged on XXXX 's end had different digits than the card I had originally saved 4 years ago ( and had expired XX/XX/XXXX ). The new card was charged but never activated on Citi 's end. 

The new card was never activated nor used. But somehow, XXXX updated the payment method and populated it with the new card information including a new expiration date, even though it wasnt active. I spoke with the XXXX team and they said that when they charged a card, they have to get a confirmation from the credit card company that the card is indeed active before they charge can proceed. What I dont understand is how they were able to charge a card that was never activated. When Ive tried to book XXXX or another service with an expired or inactive cards, I will get an error. But XXXX charge went through. I didnt realize this until XXXX of XXXX. Since I no longer used the Citi card, I wasnt receiving statements or bills to inform me of the charge. As a result, I didnt learn about the charge until XXXX, by which time multiple late fees were charged to that original {$72.00} charge. It is now over {$260.00} and has gone to collections, which has negatively affected my credit. Ive never missed a credit card payment and my credit score was 700+. But I am afraid that this incident has seriously dinged by credit score in the interim.

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