BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts  taking it sometimes have been 10 times what was owed for that month.

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 2019-05-31
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a loan from XXXX XXXX XXXX for {$5000.00} to aid me in opening a business. For the next 15 months I had beeen making payments of XXXX XXXX monthly. Three weeks ago the vehicle was totaled by another driver so I called to get the payoff amount and I was told it was {$6400.00}, I asked why the payoff balance was so high after making payments for 15 months and I was told that none of the payments or add it to the principal and they were only interest when I asked how they calculated the final payoff I was told it was 100 % of the principal +2 additional months of interest. I did not think this is fair because I have been diligent about making the monthly payments I was under the impression that a portion of the payments would be applied to the principal.

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 2018-02-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an alert in my email from XXXX XXXX. I checked my credit report and it showed a collection agency named XXXX  XXXX reporting a student loan debt. I sent them a validation letter because I did not recognize it. They mailed me a response on XX/XX/17 saying they are attempting to collect a debt for XXXX XXXX XXXX and they attached verification documents regarding the debt. I looked at the documents and it was a Loan Request/Agreement Form with someone else 's name, address, social security number and school I had never been to before. It also had the co-signers name, address and social security number. That was a breach of their privacy. The other pages were payment history of the student loan from this person but it does not show his banking information. I was so upset because not only did my credit score go down, they sent me someone else 's personal information with all this identity theft going on. I responded with a letter to notify them of the error and to have it removed from my credit report immediately. They have not responded, so I want to file a complaint.

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 2018-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want this resolve asap ... .My credit has DROPPED further because of this. Status and amount is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT EDXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXXE XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}

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 2021-02-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIPLE ISSUES : INCORRECT PRINCIPLE BALANCE upon loan sold/transferred XX/XX/XXXX INCORRECT INTEREST RATE due to 1-year adjustable mortgage INTERNAL AUDIT AT MR COOPER triggered my account to go into a LATE STATUS ( due to the {$940.00} principle payment issue that I believed was corrected and closed ) INCORRECT LATE FEES resulted from late status MY CREDIT HAS BEEN MARKED AS LATE STATUS for no reason MR COOPER SENT A 1099C form requesting I PAY TAXES on the " DEBT FORGIVENESS '' there was no debt forgiveness, just a correction of the true and correct principle balance. 
NO PROPER DOCUMENTATION IS ON MY ACCOUNT so customer service can't assist NOW WORKING WITH THEIR INTERNAL ESCALATION DEPT contact is XXXX  he also answers my XXXX  off XXXX. 

MORE DETAILS AND HISTORY : Upon the sale and transfer of my loan from XXXX to Mr. Cooper, the WRONG loan balances were recorded and the WRONG interest rate was set into place by Mr. Cooper from my prior mortgage servicer XXXX XXXX XXXX aka XXXX. An amount of {$940.00} was in dispute, which happens to be my principal payment. THIS AMOUNT WAS CREDITED TO MY ACCOUNT backdated as of XX/XX/XXXX by Mr Cooper as a resolution. I finally received a letter from Mr Cooper explaining all this at the end of XXXX after months of phone calls and letters. 

In addition, my interest rate was in dispute for months with Mr. Cooper, and they had changed it several times. I am still not 100 % confident it is correct today. They reset it at a higher rate than was placed on my account when they first took over my loan. 

On XX/XX/XXXX, I went online to my account and was shocked to see I was 2 months behind. I knew this was impossible and had all payments in full and had received confirmations via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXX   XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} AEA FCU XXXX {$2000.00}

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 2019-11-02
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WORLD FINANCE CO  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On i believe XX/XX/2021 I was at XXXX XXXX a car as my vehicle was stolen. After 2 hours in the rental agency I handed the customer service rep my chime debit card to reserve the vehicle. It was declined. How could that be as my check was direct deposited into my chime checking the night before. So, I called my son and he came to the agency to use his chime debit card only to find out it too was declined. No way we thought. Had to call my husband to my rescue to start the nearly 3 hour process all over again THE NEXT DAY. Phoned Chime, they have my number blocked stating my account was closed and they won't speak to me. Only communicate thru email!! I emailed many times wirh zero response. I have nearly {$1000.00} just deposited on this account! As well auto deducts for my rent, storage unit, car insurance, wifi and several other ACH bills. My son tried to login t on his account and was blocked by chime stating his account is suspended. 2.5 weeks later STILL no access to our accounts and every dollar we own. I am faced with eviction now. I'm being charged nearly {$1500.00} in latest fees from all creditors. My son sent chime all documents they requested to verify identity and STILL TODAY no access to his account or monies. CHIME gave us zero notice our accounts would be closed and frozen. I've called them 8 times only to be rudely put on hold for 1.5 hours at one point and hung up on by a customer rep!!! I am faced with eviction because of these crooks and late fees I can not afford. I can not even put gasoline in my car as chime holds all of my money. We need help and quickly please. Chime should be accountable for all of our late fees and then some. I want them held accountable! We want OUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.

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 2018-02-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One set my monthly credit card due date on the first of the month. I made my credit card payments on XX/XX/2020 and XX/XX/2020. That is ONE single day late for each month. And, I paid more than the minimum each time. For both months, Capital One charged me 25 % interest for the balance carried over each month AND {$38.00} for each month. 

I called Capital One on XX/XX/2020 to request leniency for the late fees due to the uncertainty of my pay during the COVID crisis. I asked to have the fees removed for XXXX and XXXX. The senior account specialist named XXXX told me in no uncertain terms that all fees and interest would stand because Capital One has procedures in place where " late is late even if it's by a minute. '' She said her decision was final. 

I am sure this supervisor is enforcing policy per Capital One 's corporate culture and standard operating procedures. Whereas other companies have shown understanding during the pandemic period, Capital One is operating with rampant corporate greed. They are like price gougers during a natural disaster/state of emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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: Harris & MacNeil, LLP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for XXXX XXXX ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: CA
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 had some fraudulent activity on my credit report in which I reported to Equifax. Since everything is now accurate, I've requested that Equifax remove the fraud alert and they refuse to remove the fraud alert. I've requested them to remove the fraud alert on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today, XX/XX/XXXX. I don't understand why they refuse to remove the fraud alert but I feel that after over 1 year of requesting them to remove it that they should now be obligated to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: PA
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 had contacted many times XXXX  XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 -XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2023-04-04
Company: EQUIFAX, INC.
State: NY
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 disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: CA
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:
My Best buy account was paid off in full. The XXXX statement said I owed {$370.00} and I sent in {$380.00} the next month it showed I owed {$28.00} late fee. I called up and they said it was in error and removed it. Two months latter I get a 30 Day late on my credit report. I have disputed it with all 3 bureaus but Best Buy refused to correct to reports. I called them direct and still no help. This account only had a minimum payment due of {$25.00} with no interest and I paid off in full. I have never had a 30 day late and had perfect credit till Best Buy improperly gave my account a late charge and then did not wave it as promised.

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 2020-01-28
Company: Conn's, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation