BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-01-21
Company: Paypal Holdings, Inc
State: OK
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 received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called BILL ME LATE/PayPal. They even used an old address on the inquiry. I contacted XXXX and they told me Id have to contact the company and they gave me the number of the company from report. 
Called the number and it was to PayPal XXXX. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. 

Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have always paid my mortgage on time. Nationstar Mortgage paid my impounded insurance bill 15 days late causing my insurance to lapse. After that I got a new refi and during that time while in escrow they XXXX XXXX paid insurance 15 days late XXXX ) sent me a letter to force insurance if I did not comply XXXX ) ran XXXX credit inquiries on my credit report all XXXX agencies XXXX ) reported my acct as a 30 day late while in escrow after delaying payoff info after XXXX request causing a late charge XXXX ) reported after account was paid in full My property was neglectfully uninsured for 15 days!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
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:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX XXXX  mistakenly reported my mortgage, which they serviced from XX/XX/XXXXto roughly XX/XX/XXXXas delinquent XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I reached out to XXXX XXXX  XX/XX/XXXXwith more than 15 pages of documentation..SEE ATTACHED XXXX Letter Dated XX/XX/XXXXhere, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - Transunion, XXXX  XXXX. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXX. I wen back to XXXX XXXX  many many times, by phone, fax and email. I learned eventually XXXX submits to the credit bureau. Eventually I was told XXXX had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with 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 2019-08-17
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I contacted the company and asked them that I would like to take over my property tax and home insurance.The company refuses to accept my request.There are saying that my loan is not setup this way.Pls help me resolve this.

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 2018-02-27
Company: Credit Corp Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts 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 2020-11-17
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an inquiry on my credit report from Comenity Bank on XX/XX/2020 that I did not authorize. I called XXXX to dispute it and have it removed but, I was told to contact Comenity Bank. I spoke with them and they said they would look into it and get back with me. I didn't hear anything from them so I sent a certified letter to ask to have it removed. Still no response so, I contacted XXXX again to dispute it and they said they could not remove it until they get authorization from Comenity. I sent another certified letter to Comenity Bank and called again. They said they did not see an account with my name or where I applied for credit. They again said they would look into it to have it removed. It has been six months and the inquiry ComenityXXXX/bjsw is still on my XXXX credit report. I am looking to purchase my first home next year and hope I can get this unauthorized inquiry removed. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: WELLS FARGO & COMPANY
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid off a credit card with Wells Fargo in XX/XX/XXXX! The last XXXX was paid of by XXXX credit card transfer. We did not close the Wells Fargo card but since it was paid off we have never received a single statement or billing in the last five years. There was no attempt by Wells Fargo to try and collect this account and we never made any payments on this and never received a billing or an attempt to collect this account and we would have never known about it except we put an application to another credit offer and was refused because of a charge off! .......What charge off ? So we went to XXXX  where this credit company had gotten their information! There at the top of my report was this charge off by Wells Fargo!......We had no communication with Wells Fargo since that account was paid! In fact I got a Mortgage from Wells Fargo and it never came up. I bought a new car in XX/XX/XXXX from XXXX XXXX XXXX and there was no mention on my credit report of any account from Wells Fargo......I have had and still have my main checking account at Wells Fargo for the last thirty years. I get statements from them all the time.I also have a line of credit on my checking that I also have not used since XX/XX/XXXX.
  There is no reason why Wells Fargo would not at least bill me if I owed them for this account and since I am very well established financially why would they not make an attempt to collect this account instead of charging it off?

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 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I WENT IN PERSON TO RESOLVE THE PROBLEM ON CASE # XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018 PRODUCT Mortgage ISSUE Trouble during payment process I SPOKE TO XXXX XXXX XXXX ASSOCIATE XXXX AND ASK FOR A MEETING WITH CEO WHY CAPITAL ONE REFUSE TO SET UP A MEETING WITH THE DIVINE KING! I LIKE TO LOOK AT THE PERSON IN HIS EYES AND SEE IF WILL LIE TO THE DIVINE KING.. LIKE I TOLD XXXX. I'M NOT GOING ON THE WELFARE SYSTEM EVER AGAIN BECAUSE OF MY NET-WORTH OF {$39.00} ZILLION HOLDINGS WITH CAPITAL ONE XXXX XXXX AND XXXX XXXX  WHO HOLDS THE DIVINE ASSETS ON RECORD WITH OUR US TREASURY AND FEDERAL RESERVE BANK OUR GRANTOR. I WAS DENIED MY RIGHTS TO FILL OUT A POLICE REPORT WITH LOCAL PRIVATE DC XXXX POLICE DEPARTMENT WHY? DO THE BANKS OWN OUR JUDGES AND LAW ENFORCEMENT OFFICIALS? WHY WAS I REFUSE TO SCHEDULE A MEETING CONCERNS ON THE FUTURE OF AMERICA FINANCIAL SYSTEMS AND MY FATHER IS WATCHING EVERYTHING 3EYE VISION! SO WHY WAS I REFUSE A MEETING THE GIVEN {$3.00} DOLLARS FOR TRAIN MONEY WHEN THE TRAIN COST {$3.00} LUCKY THE HOMELESSNESS WILL FALL ON THE WHOLE CAPITAL ONE FRANCHISE FOR DEFRAUDING THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Santander Consumer USA Holdings Inc.
State: RI
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: JPMORGAN CHASE & CO.
State: NY
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 was targeted by XXXX XXXX  XXXX also known as XXXX XXXX XXXX XXXX while walking in the XXXX XXXX XXXX into purchasing products that I did not want. I used my credit card. I disputed and protested the charges with the credit card company. The charges were for {$3600.00} and {$180.00}. I origionally disputed these chares in XX/XX/XXXX. 
Since then we have been going back and forth. In XXXX, XX/XX/XXXX Chase informed me that they considered the disputed charges valid. In their letter they stated that they contacted the merchant and that the merchant provided the cancellation policy. This statement is a lie. The merchant never discussed the return policy ; furthermore the Department of State division of consumer protection states that a store, merchant, is legally required to post their refund policy. The refund policy was never posted nor was it told to me. 
In dealing with Chase on this matter ; they seem to be taking the merchants word ; not fully investigating my charges and seems to side with the merchant instead of protecting me their card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every month my wife and I each get XXXX harassing phone calls from Nationstar Mortgage. We are current on the mortgage, but every month calls start at the XXXX and escalate in frequency until we pay at the XXXX. I have told them that I get paid on the XXXX and they should stop calling. They said that was n't possible. 
The calls stop as soon as we pay. The due date is the XXXX of the month but there is n't a late fee until the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: EQUIFAX, 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:
XXXX Report # XXXX ; Equifax Confirmation # XXXX ; I am filing this complaint because Equifax, XXXX, & XXXX  have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
Around XX/XX/2019 I received an email saying my dispute results were updating during process when I mail the letter off to Experian on XX/XX/2019 and the tracking said it arrived on XX/XX/2019. This sound so interesting because I called XXXX XXXX XXXX XXXX and asked about my dispute over the phone and the representative said they never received my dispute regarding this alleged account same for XXXX XXXX XXXX XXXX. I told them my grievance and they immediately cleared my charged off account. Experian has failed to accurately and effectively communicate to these entities that hold this accounts in my name. When I have an identity theft report on file concerning these alleged accounts. Experian misrepresented my case of identity theft and failed to provide creditors supporting documentation on my behalf. Experian is now fraudulently listing these accounts and aiding in defamation of my character. Experian failed to conduct a proper investigation, without verifying the debt, and without communicating to the creditors. 

They are in violation with the FCRA and the FTC. On top of that Experian and other credit reporting agency are selling my personal information. 

EXPERIAN needs to opt this consumer out of disputing online. This consumer does not want deliver results of my credit report sent electronically. Please send all reports through the mail. Experian is not doing a through investigation and this is not the first time this has happen it has happen multiple times. I have asked Experian to delete the accounts they can not verify by documentation. Excuse my frustration at this time during this matter and hope you are understanding. 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 explanation
Consumer complaint received 2015-07-24
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. Experian and XXXX are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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