BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.

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 2023-07-28
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$3600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
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:
Equifax is currently reporting multiple inaccuracies on my credit report. 

I've notice that Equifax is reporting inquiries on my consumer credit report I do not recognize or has authorized. This is a violation of FCRA rules. 

1 ) XXXX XXXX XXXX ; inquiry date XX/XX/2020. I did not authorize this inquiry on my credit report. As a result ; reported as an accurate and needs to be removed immediately. 


2 ) XXXX card services, inquiry date XX/XX/2020. This inquiry is reporting illegally I did not authorize this. This is a violation of federal law inquiry must be removed immediately. 


3 ) XXXX XXXX XXXX XXXX, inquiry date XX/XX/2020, along with multiple inquiries on this date. I did not authorize this inquiry on my consumer credit report as a result this inquiry needs to be removed immediately. 

4 ) XXXX XXXX auto financing, inquiry date XX/XX/2020, along with multiple inquiries on this date.I did not authorize this inquiry on my credit profile. Inquiry is in violation of FCRA rules. As a result inquiry must be removed immediately. 

5 ) XXXX XXXX, inquiry date XX/XX/2020. Along with multiple inquiries on the date. I did not authorize this inquiry on my credit profile. As a result Equifax is in violation for reporting. Inquiry must be  immediately removed from a consumer credit report. 

6 ) XXXX XXXX XXXX  Dealer financing, inquiry date XX/XX/2020, along with multiple inquiries submitted on the states. I did not approve this inquiry on my consumer credit report. As a result Equifax is in violation for reporting this inquiry on my credit profile. inquiry must be deleted from my consumer credit report immediately. 

7 ) XXXX Auto finance, inquiry date XX/XX/2020. Along with multiple inquiries on this date. I did not authorize inquiry on my consumer credit report. As a result Equifax is in violation of FCRA rules and must immediately delete all inquiries mentioned from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From beginning of XX/XX/XXXXup until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My daughter sent me {$600.00} around XX/XX/2019. I have screenshots of her sending but I dont have the funds andCashApp will not respond to me. I received the initial email saying they had my inquiry and would respond in 24 hours, but that has passed a few times over and I cant get any responses or help as they have no phone support and they are simply not responding to my emails. I have opened several tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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'm submitting this complaint to remove an unauthorized hard inquiry from NISSAN MTRS ACCPT IFS # 1 that occurred on XX/XX/2020. This hard inquiry was initiated without my knowledge or consent. Please remove the inquiry as soon as possible. 

Institution Information NISSAN MTRS ACCPT IFS # 1 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Actions I have taken : I have called ( XXXX ) XXXX and ( XXXX ) XXXX for assistance and sent emails to XXXX, however this issue has not been resolved. 

Attachments : I have attached my XXXX  credit report and my XXXX  report from XXXX. 
The hard inquiry from NISSAN MTRS ACCPT IFS1 is located at the bottom of page 39 and the top of page 40 of the XXXX   credit report. 
The hard inquiry from NISSAN MTRS ACCPT IFS # 1 is located at the top of page 14 of the XXXX  report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mother XXXX XXXX XXXX whom is a XXXX year old widow on a fixed income of SSI had her monthly mortgage payments of {$600.00} to Mr Cooper account number XXXX auto withdrawn monthly and has not missed any payments since XXXX. On XX/XX/XXXX I received a letter from Mr Cooper advising that the payment for XXXX was missed. I then called the bank and found out that as of XX/XX/XXXX Mr Cooper was deducting XXXX from her account for XXXX, XXXX and XXXX after calling Mr Cooper on XX/XX/XXXX I was told by XXXX that they would look into this and call me back. I received a call back advising that the reason for the increase was due to the property taxes increasing over {$5000.00}! We never received ANY type of correspondence advising of this increase from Mr. Cooper. I then called the county and the taxes have not increased I am attaching the county tax record as you can clearly see taxes for XXXX were XXXX for the year and XXXX was XXXX for the year. This is NOT a XXXX increase as explained by Mr. Cooper. Mr Cooper then advised that they could spread the payment out over 24 months to bring the payment down to XXXX effective XX/XX/XXXX. This excessive payment of XXXX caused a financial debacle for my mom whom gets a little over XXXX each month SSI. Mr Cooper did refund the 5 overdraft payments but they took XXXX for the month of XXXX and XXXX and now she is 30 behind on the mortgage as a result of this issue. She has paid XXXX but now owes for XXXX and we are in XXXX. This is very disheartening as the home she lives in worth less than 30,000 due to the deteriorating neighborhood in which she resides. I have my home listed as the mailing address so that I can keep tabs on the finances and assist her as needed. I am also able to speak on her behalf with Mr. Cooper. I feel as though she should have been notified as Mr Cooper emails me all correspondence yet NOTHING was said about the increase in escrows. I feel this is unfair and deceptive practice and Mr. Cooper should be held accountable as now she has lates on her mortgage through no fault of her own. Please look into this as she is currently on a balloon payment with Mr. Cooper through mitigation she had completed prior to the roll out of TRID in XXXX and had not had a late payment since the mitigation. I feel she should be credited all payments from XXXX through present so that she can get financially back on her feet. All representatives from Mr CoopeXXXX were nice and understanding but this does not excuse the fact that the company policy needs to be revamped when advising consumers of increases in their payments. Thank you for your time and consideration XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is in regards to Coinbase. someone hacked my account and stole some cryptocurrency from my account. I notified them and they put a stop on the account. they did not nothing to retrieve my money. For the past 8 months I have been trying to log in to my account again and I have not been able to get access. I have sent numerous emails and calls and they keep telling me they are escalating this but nothing is being done. I just want access tom y account to close it. This is a fraudulent company and the government needs to examine their practices. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been having an issue with Citi bank since XXXX of 2020 until currently now. I have downloaded an app on my phone that allowed me to play games and they had my card information. I had unauthorized payments that was constantly trying to get deducted from my accounts that created negative amounts in my account. Ive spoken to over 20 representatives to get try to figure out my situation. Every time those negative balances was input citi bank did not do what I requested as far as to put a hold and freeze to my account to not allow anymore unauthorized transactions to create negatives in my account. Instead they wait until to my deposit to enter my account and take half my money. Ive complained and nicely asked if I can get my funds back for the mishappenings they couldnt stop. I was deposited of XXXX of my stimulus check and they deducted approximately {$400.00} out of my account and blamed it on the overdrafts that were owned instead of opening a new account for me to save my money from being deducted with the unauthorized over drafts. They said they have been doing investigation for 10 days every time I would call the same 10 days is processing after a few days has passed! Recently a new situation had occurred again with my job and HR had tracked my deposit and told me I was paid and citi bank lied and said they credited me my full amount after Ive recently called about half of my XXXX was only given. Once I called and was confused on that matter they blamed my job for holding on the run rest of the amount. Now its a new story stating they created and Ive been watching their false changes make on my statements as soon as I put in message about it. Making it look like I received my funds and havent. My statements show that what we funds I had available I would send to my XXXX account to prevent from citi bank making any more mistakes on taking my money with their overdraft methods. Im absolutely upset with this bank and I believe their taking my money on purpose. They owe approximately {$700.00} for the mistakes they couldnt fix. Im currently on the phone with a representative and still waiting 45 minutes on the phone. No help just highly rude and dismissing their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 .I made a payment through the automatic system. The payment never posted to my account. I called the XXXX customer service. They said everything is okay. Some times banks take longer to process. After a few weeks I check my online app. I saw it was return. As account unable to find. It has always been the same account from where I make payments from. As soon as XXXX payment came. I receive a call on XX/XX/XXXX from XXXX collector department saying she need it to collect a past due amount. She was struggle by seen my account was up to date them she said I was past due on my XXXX payment. I told her if there was a grace period which she didn't answer. I told her to please don't t harass me when my account is up to date. Because before I even had people come and knocked or leave letters at my front door too. I definitely feel XXXX use intimidations ways in the way they have treated me. 


The last representative I spoke with said she is just protecting the investors investment. So who would protect me as a consumer from those aggressive loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are  illegally put my information in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Barclay approved my application then send me my card. I used it place an order. Then during the order ship time, barclay put an restriction on the account and canceled my order without notification. I called more than 10 times and faxed them all the documents they asked for three times. Different representative give me different information. Someone said none of the documents has been received. Someone said the restrictions will be removed. Someone said partial documents received. None of them could give a single answer and most of are rude and not even know what they are talking about. I have the record to prove that. The application is approved on XX/XX/XXXX. Up to today XXXX, they still saying restrictions is on the way to remove and ask me to wait for 24 hours after 24 hours after 28 hours. I decided not to wait for the endless waiting time and rudeness service ever and ask them to close my account. They refuse to do so and ask me to call back again and again. Not able to close my account with barclay and would like it to be closed now.

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 2018-06-14
Company: Kwikcash, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had to take this loan to help out my family. I am struggling to pay it off but I do want to pay it off if the company would work with an easy payment plan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1900.00}, {$6100.00}, {$0.00}, {$0.00}, {$1700.00}, {$600.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

-- PERSONAL LOANS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have beein calling at bad times during the day repeatedly. It's annoying and harassement. No one has sent my veriffication. For this action I want them to stop reporting this on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi. This complaint is partially directed at the CFPB. CFPB previous closed a complaint against FedLoan and failed to verify that the file provided to CFPB by FedLoan, which you posted as adequate evidence, was even a valid file.

It is not. No application will open it. You could not possibly have completed an evaluation based on a corrupt file with no content.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Ive been trying to dispute information on my credit with XXXX  they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account

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 2018-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
experian taking for ever to remove my security freeze and fraud alert ftc law saids they have to remove it within 3 hours of the request

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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