BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my now ex-husband and I obtained a reverse mortgage on our house at XXXX XXXX XXXX XXXX, XXXX, FL XXXX through XXXX XXXX XXXX. This mortgage was sold to XXXX XXXX XXXX, division of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX phone XXXX in late XXXX. I left this house in XXXX and have no contact with my ex since XXXX, and have not seen any of the documentation sent to that address concerning this transfer. Our divorce agreement allows him to remain in the house until it is sold and he is being very uncooperative with this process. We contracted with XXXX XXXX of XXXX XXXX XXXX XXXX in the XXXX XXXX Florida office phone XXXX and finally signed a contract after agreeing to a listing price of {$350000.00}, knowing full well that the house in the condition it is in would not sell for anything near that price but it was a starting point to see what comments from viewers were along with any offers that were received. There were no offers, comments were very negative. 
We finally received a cash offer of {$220000.00} from a party needing to get money from a property exchange invested. XXXX XXXX hired XXXX XXXX XXXX, XXXX XXXX XXXX owner, XXXX XXXX XXXX XXXX, XXXX FL. XXXX phone XXXX to do the appraisal and his appraisal, with lots of errors, was given to XXXX XXXX of XXXX XXXX  at {$350000.00}. I sent Ms XXXX an e-mail letter requesting copies of all documents sent to the XXXX XXXX XXXX address on XX/XX/XXXX, I spoke to her on XX/XX/XXXX, she said that the e-mail address I was given was incorrect and that she never got the letter and that the dispute of the appraisal had been reviewed and the short sale was denied. I had to fax ( not e-mail ) the letter to her which I did through Mr. XXXX. Even though the reverse mortgage includes insurance for any shortage, they will not approve the short sale, want the house sold for {$350000.00} which will not happen. Mr. XXXX is filing a complaint against the appraiser as well. The amount of documents is large ( the appraisal documents & pictures alone are 46 pages ), and I don't yet have and have no ability to get from my ex, other documents that may be needed. Please let me know what you may need and I will do my best to obtain them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, I made a payment of {$1100.00} towards my CareCredit card. This amount was made towards a promotional balance ending on XX/XX/2023. I have had various promotional balances paid off and CareCredit always put my payments towards those balances. Until this time. Instead of applying the VERY large payment towards the promotional balance, they applied it to the revolving balance on the card. I called to get the issue addressed and pointed out that they never handled my payments like this before, and because it has been over 60 days they are refusing to correct the application of the payment.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and 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

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 2021-06-05
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
i check my credit report and notice a large number of unauthorized inquiries and when i called they didnt assist me so i want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: IL
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:
My problem is with CitiCards. On XX/XX/XXXX I mistakenly made an online reservation with XXXX for lodging at the XXXX XXXX in XXXX Utah for XX/XX/XXXX and XX/XX/XXXX. While I was led to believe that I was speaking directly with the XXXX XXXX I was instead speaking to a reservation clerk at XXXX. I did this on my XXXX and clicked on a site that said XXXX XXXX reservations. I am a senior ( XXXX years young ) and did not look carefully enough. I also believe XXXX purposefully makes clicking on their site an easy distraction for people like myself as a means of deception. However, my complaint is with CitiCards. Once I realized my error I immediately called the XXXX XXXX and explained what happened. As I was within the required 24 hour cancellation period, they agreed to refund my payment. However they sent it back to XXXX ( See attached ). Since then I have tried numerous times to get a response from XXXX and failing that have lodged my complaint with CitiiCards. I expected that they would act on my behalf ( See attached ).  Citibank charges are for {$750.00}. I don't understand why I have not received reimbursement as I have submitted documents substantiating the check from the XXXX XXXX back to XXXX. Thank you for consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
These inquires were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I applied for, and was approved for, the Capital One Spark credit card. Under the terms of the card agreement, Capital One agreed to pay me 2 % cash back on all purchases as an enticement for me to use their card. Because of this, I used their card for numerous purchases. All purchases were in accordance with their terms and conditions. Capital One paid the 2 % cash back up until they sent me an account closure letter, dated XX/XX/XXXX. 

The reason for closure - We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for commercial or small business purposes. 

As you'll notice, Capital One did not say they were closing the account due to any breach of the terms and conditions on my part. I used the card in accordance with Capital One 's agreement with me. I do not understand why they closed the account. I was never late for an account payment, and I used their card heavily, as I thought that was what they wanted, since they offered a generous spending bonus. 

As of the XX/XX/XXXX closure letter, there were 18 transactions on the account that had either not posted or had not received 2 % cash back. These transactions totaled {$27000.00}. Capital One owes me {$540.00} cash back for these purchases. They have refused to pay me cash back for any of these purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing you because while checking my most recent credit report I noticed that there was a published record of a Tax Lien in the public record section of my credit report, now what I believe and what I have been told by the IRS is that an indivisuals personal tax information is NOT PUBLIC INFORMATION, so Im not sure why this would even show as it does to be Public information, so Im writing you this letter in fear that someone has misrepresented themselves to be me. In addition, the IRS agent explains that the IRS does not verify or give out a persons personal identifiable information like social security numbers, complete names or date of birth to any THIRD PARTY. I have recently sent a letter to TransUnion dated XX/XX/2018 asking them to verify the tax lien on my credit report, according to the FCRA if requested they are to give me the information on how this information was verified, as of today they have not. While speaking to the IRS Agent, they advised me that the IRS does not report any personal tax information to any credit reporting agency and that the IRS does not even have a subscription to report to ANY of the credit reporting agency. Also according to the recent litigation rule handed down says that the three bureaus, XXXX, XXXX, and TransUnion have all announced they will be removing tax liens and civil judgments from credit reports where incomplete information exists, according to the XXXX XXXX XXXX, a trade group that represents them.

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 2021-05-21
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my last car payment on XX/XX/ 2019 and purchase a new vehicle in XXXX. The dealership took my vehicle as a trade for the new vehicle. They contacted the other dealer to inform them the car was at their location and for them to pick it up. However, They did not pick up the vehicle until almost 2 months later. This cause my credit to show a repossession and late payments. I was told it had damages to the vehicle in which I did not damage. I asked for pictures I never received them of the damages. They contacted my insurance company to pay for the damages. I also had GAP insurance in which would have paid off the remainder. I tried calling, disputing and even had a lawyer to dispute the collection. Each time the creditor would add things to my credit to make my score down each time. They keep adding repossession on my credit report for each month since XXXX of 2019 till now. This is unfair to me and reflects me from getting anything using credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: TX
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 recently sent a letter to XXXX dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to XXXX  and that their court does not even have a subscription to report to ANY credit agency. I feel that XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in XXXX  using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX  XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, LVNV Funding LLC, supposedly acting on behalf of XXXX XXXX, XXXX, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both LVNV and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 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 non-monetary relief
Consumer complaint received 2019-09-04
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage transferred our loan to XXXX on XX/XX/2019. Our regular payment ( via ACH ) arrived to Shellpoint on the same day. Shellpoint lost our payment. I have proof of the payment. Shellpoint will not send our payment to XXXX or refund our money. I have called Shellpoint several times and the problem has not been resolved. A similar situation happened the previous month ; our Bank sent an ACH to Shellpoint on XX/XX/2019 for our XXXX mortgage payment and it finally cleared on XX/XX/2019. I am a XXXX year old home owner with a perfect payment record. I have worked extremely hard to protect my credit rating. I have been treated unfairly by Shellpoint and feel powerless to influence them to refund the payment or send it to XXXX. Can you help?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX Now 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. 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 explanation
Consumer complaint received 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Experian Information Solutions Inc.
State: NJ
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 have requested for Method of Verification from Experian and I have not yet received proper documentation verifying or validating the debt/collections that are listed on my 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 2023-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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