BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: NCB Management Services 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: FL
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 have the following disputes ( complaints ) : 1. After calling all of the Experian 's phone numbers listed on Experian 's website or other sources, I never could speak with a real person. I got the same computer generated menu from each phone number that did not address my problem and would not allow me access to a real person. I need a phone number where I can speak with a real person that is knowledgeable about my account and their business. 

2. I want a knowledgeable person at Experian to explain to me specifically why my credit score changed XX/XX/XXXX and went down another 5 points XX/XX/XXXX. I did nothing between those dates to affect my credit score. 

I do not want to be told of " potential '' negative affects that are several years old. I want real time specifics. 

I do not want to be told I should review my credit report and figure out myself why my score would dive 5 points. That's because there is no reason. 

If Experian uses an algorithm that knee jerks every time a report is submitted by a company about my credit, then tell me so. Tell me a human has nothing to do with my score calculation and a company can report anything they want to influence the algorithm. 

How many times over a 4 year period does a 4 year old late payment solely or contributes to moving my credit score down. Once for x negative points and then never again? Or does the same late payment on my credit report continue to lower my score a number of times over several years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the 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 2022-09-16
Company: Experian Information Solutions Inc.
State: NC
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 XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-10-25
Company: STATE FARM BANK, FSB
State: CA
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:
This is a formal complaint on State Farm Bank Credit Card. I have been a customer of theirs for 10+ Years. I have trusted them at all times to resolve any issues and have always been great. I used my credit card to pay for a parking service in the XXXX ( XXXX ) Airport. While I parked there my car was broken into, items were stolen from my car. In person I tried to resolve the issue at the parking lot and they would not let me file a police report or a complaint. They would not let me out if I did not pay and my safety was at risk. My cost to replace my stolen spear tire and tools were {$480.00}. I felt I should not have to pay for parking in a lot where my security was compromised. State Farm has always been great and has promised to be good neighbor and protect its consumer. The representative stated rudely that it was not state farms problem. I was forced to use my credit card to get out of the lot. I used SF CC to pay since it was the only card I had with me and the only one I ever use due to the security it has always given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
This is my 2nd time or 3rd time fileing a complaint on XXXX XXXX XXXX As stated before. XXXX XXXX XXXX is report in accurate information on my experian credit report. I'm requesting XXXX XXXX to remove account off my experian report asap. I know account is gon na self come off XXXX XXXX as fcra allows 7 years has passed since last payment was made. I want this off asap. 

I went to court to tell Judge that the attorneys for XXXX XXXX XXXX  didn't serve me. Judge ordered default Judgement to come off my record. I do now owe XXXX XXXX  the amount showed on my credit report. The car was repo years ago. Delete this now XXXX XXXX 

I'll see u in court XXXX XXXX XXXX  for our conference. Also XXXX XXXX. I'm not collectible as I'm getting on social security. I have XXXX XXXXXXXX. And I'm not working So please do the right thing. Leave me alone and take off account off my credit 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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-15
Company: SANTANDER HOLDINGS USA, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A little over 3 years ago, XXXX XXXX XXXX transferred my mortgage to Nationstar Mortgage. Over the past couple months they kept calling me saying what are you going to do with your property. I told them I have no intention to sell and I plan on being here for several years. ( My mortgage is and has been current since I started with Nationstar over the past 3 years ). The first time they called I thought it was a routine check. When they kept calling I asked them to stop calling me on this issue. The choice they gave me is I could issue a Verbal Cease and Desist and they would n't call me anymore. The problem with this choice is they also wo n't contact me under any other circumstances by telephone/e-mail/text/regular mail. So if there is a glitch in their system and my payment did n't go thru for any reason I wo n't be notified. If there is a change to my mortgage in anyway I wo n't be notified. I feel like I 'm being held " hostage '' either I have to take their monthly calls so I can receive communications or use the Verbal Cease and desist and not know about any changes in my account. My desired resolution is simple, I would like them to communicate to me if there are any changes in my mortgage but I do n't want them harassing my every month, what am I going to do with my property etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we sold our home and paid off the mortgage held by Mr. Cooper. 
Paid off the mortgage nearly 30 days ago and still getting the run around on money, our money, that is in the escrow account. Have received the release of lien and still no check from Cooper.

Have called numerous times and told it takes 20 days, 30 days, 45 days. 
It should be illegal for them to hold your escrow money after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: AL
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:
My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a junior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-02-19
Company: DISCOVER BANK
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: Data Mortgage Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 - XXXX XXXX  company informed me my loan payment for the prior month had not been made. This is incorrect. 

I mailed and the check was cleared from my account on XX/XX/2019 for the amount of {$86.00} for loan XXXX this was sent pay to the order of Data Mortgage dba Essex Mortgage. 

I have been transferred twice since then and they have failed to forward this payment to my past 2 mortgage company which is in violation to the 60 day transfer of payment date for a mortgage company. 

I have been trying to resolve with XXXX, in Essex Mortgage servicing, phone number XXXX since XX/XX/2019 and it is now XX/XX/2019. I have contacted XXXX, XXXX XXXX, phone number XXXX to have her help resolve and it also has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint concerns a checking account # XXXX at Capital One. The account is owned by XXXX XXXX XXXX. This entity is the XXXX XXXX XXXX organization and I am the XXXX XXXX XXXX the organization. Typical deposits are a portion of election qualification distributed by the XXXX  XXXX XXXX XXXX. 

On XX/XX/2021 the treasurer, XXXX XXXX XXXX  unexpectedly passed away. XXXX XXXX was the elected treasurer of the organization. 

Capital One has refused the organization access to the account without a death certificate. The organization is not an appropriate entity to get a death certificate nor is the asset part of XXXX XXXX estate. The new treasurer ( XXXX XXXX XXXX XXXX  ) went to the Capital One location in XXXX XXXX and was denied even information regarding additional information regarding the identity of approved signers on the account. Capital One has provided no path forward to gain access to the account. 

I submitted a complaint to Capital One and was assigned this to reference - XXXX. I request the assistance of the CFPB so that we can gain access to an asset held XXXX by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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. 
This creditor has violated my rights.

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.

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 2019-10-25
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
In 2012, while still in the US military and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXX XXXX room was supposed to be charged to their respective US military issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from XXXX XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.

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 2017-12-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.

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