BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was under XXXX where I had ZERO issues. I had requested a forbearance due to COVID. Back in XXXX of 2021, I contacted XXXX to get out of forbearance and back on paying my mortgage. I selected the option to place the amount deferred to the end of the loan. I completed all the paperwork they sent me and XXXX them back on the XXXX of XXXX. 

Days after I, received notification that Mr. Cooper was now going to be servicing the loan. I set up my online account and contacted them regarding the forbearance and when I could make my first payment. I was instructed they were honoring the paperwork from XXXX so I didn't have to worry about filing new paperwork. I went weeks before they could even tell me anything on my account with the switch. Then they tell me it will be fine and that it has been approved, yet my account still says I owe $ XXXX. My online account even says I am not allowed to make payments at this time. When I called about it two weeks ago they tell me it was sent to accounting to be paid. Still it reflect the $ XXXX balance. When I called the other day, I was told that I would have a payment until XXXX but I asked what happened to the XXXX payment the paperwork said I had to make. The guy said he saw nothing about XXXX, then he reviewed the paperwork and said oh, yeah I see it does show you are 30 days late. 

I have been calling them and being told a supervisor would call me back and nothing. They are trying to make me several months late, so it gives me more problems when trying to get back on track. As they are a debt collector as well this does not surprise me. They are trying to steal more money from me from their lack of response and work. 

No one there can tell me anything and I would prefer a different servicer on my mortgage. Mr. Cooper should lose it license to service mortgages as they lie to the customer to get them off the phone and do not return calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MD
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 a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.

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 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, we cancelled a trip with XXXX. They immediately sent my refund to card ending in XXXX through XXXX. The issue is that the bank account that was associated with this debit card number had been closed for approximately 2 weeks. 

Ive been told by Bank of America in the 6-8 phone calls Ive made that the refund would not be accepted by Bank of America ; it would immediately be returned to XXXX. Bank of America did state they checked transaction records for that card approximately XX/XX/XXXX and no attempted transactions were recieived. 

Im caught in limbo with each place stating its the others fault. XXXX notified me this morning that a trace was out on these funds and it shows successful. A copy of that notification and transaction number are attached. 

Again the refund was from Airbnb for XXXX and was routed through XXXX to Bank of America on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I went to freeze my credit with TransUnion, but their website TransUnion.com/XXXX is blatantly advertising their credit monitoring service there, and makes the actual links to get to the page to freeze your credit very hard to find. Specifically, the link is at the very bottom in step 5 under " About credit freeze '' AFTER they suggest a lock by enrolling in their paid subscription service. This is a blatant attempt to financially take advantage of consumers in the wake of the XXXX breach. I did not fall for this trick, and personally need no resolution. However I want to report them for dishonest and unethical behavior in the hopes that they will make their credit freeze page straightforward and not deceptive.

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 2018-01-30
Company: EQUIFAX, INC.
State: MD
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 a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: MoneyLion 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:
Two loans were taken out in XXXX of this year under my name without my authorization or permission. I contacted Moneylion immediately to dispute these loans. Moneylion has not closed the loan accounts and now they are showing up as delinquent and affecting my credit score. I reached out again to Moneylion several times and have not gotten any updates or issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
On XX/XX/XXXX, I received a alert on my Transunion Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

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 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have being going back and forth with the three major credit bureau Transunion, XXXX  and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from 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 2021-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capital one never provided me with full disclosure. They closed my account without any written notice, and continuously report negative remarks to the credit bureaus without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a alert on my XXXX Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: BTH Management
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This organization has purchased the debt at issue from Capital One.

I have never done any business with Capital One or XXXX XXXX XXXX ( hereinafter XXXX ).

I have informed XXXX via reply to one of their notifications regarding this debt. I have informed both Capital One and XXXX that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement.

XXXX claims I opened an account online with Capital One. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and XXXX  will not receive one penny towards this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Public record information inaccurate

Complaint:
TransUnion put a credit alert on my account preventing me from getting more credit I need as I had XXXX XXXX. They are refusing to remove the credit alert and now my cards are useless to me but I never lost my card. I had it through my entire XXXX  XXXX and no other person used it through the past six months. 
I am suffering with XXXX to XXXX myself so that I can seek employment but I do not have time to sue thm. Could you have them lift my credit alert?

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 2021-06-02
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the debt with JJMarshall on XX/XX/2021 and received a letter on XX/XX/2021 stating that my dispute was lacking facts or info to conduct an investigation but the company requested that the account be reported with the CRAs as disputed

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 2021-11-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Hello this is the most ridiculous problem I had with any company. One person said from Chrysler Capital I can't make a settlement offer. The next time I called they said we only do it for bankruptcy I stated I was in bankruptcy so misleading. The third time she told me we do settlement offers and transferred me to another department and I talk to a gentlemen he stated we never do settlement offers ever. So, misleading and they sold my loan to a collection agency. This could have been avoided if 4 employees did not say different quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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:
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There is {$340.00} has been transferred from my bank account to cash app without my authorization. I tried to fix this issue with cash app but they didnt do anything in this regard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: MI
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:
On my credit report it shows that in the month of XX/XX/XXXX, that I had a late payment which is inaccurate. Also on my credit report under that same closed auto loan it states that the account has never been late. I also had issues with leasing another vehicle with XXXX. I attempted to renew my lease in XX/XX/XXXX due to being over my miles, and was told I would be able to do so without any issues. I continued to get the run around about when my new vehicle would be ready and constantly called them. I was never contacted back and due to unsatisfactory service, was forced to turn my leased vehicle in early. I am now working on the remaining balance but have never had a late payment while the account was opened through 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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

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 2021-11-07
Company: Upstart Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had my identity stole and I two credit/ loans taken out under my social have police report and would like for these items to be deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CITIBANK, N.A.
State: FL
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:
In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.

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 2021-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My services is Rushmore Loan Management, I applied for forbearance or assistance as it was the second time Ive had XXXX. They approve it, but then have me fill out applications that are very lengthy and theyve also increased my payments significantly. Why is my payment increasing if the balance is added to the end, it doesnt make sense to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is currently reporting two accounts by the names of 1. Portfolio recovery opened on XX/XX/XXXX for the amount of {$430.00}. This company has been previously updated and removed from my report THEN changed their name and has reposted an account on my credit report that is not mine. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$250.00}. This account is not mine

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 2021-02-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX sold XXXX debt from XXXX  XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested. 
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX. 

Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies. 

XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt. 

Also XXXX  is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus.

Company response to consumer: Closed with explanation