BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: GA
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:
My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.

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 2019-06-18
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question isnt mine. I have a different account with someone else since XXXX of XXXX and the account was open in XXXX of XXXX. I called the company and the company couldnt do anything because I dont have the account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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: Account information incorrect

Complaint:
XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXXXXXX XXXX   response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

XXXX  XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I got a reverse mortgage XX/XX/2010they gave a total of XXXX in debt and I got XXXX but they told me I still had money up that I could get the money for repairs 6 months to a year but now they are changing everything they said around the loan officer I was dealing with is no longer working at champion mortgage now that I need my money for home repairs they are saying there is none I have reached out to them but nothing or no one has helped me now I am reaching to someone here I am senior citizen that's on fix income and no one wan na listen to me or help me I feel like I did something wrong I was only trying to help myself I really feel like I made a mistake my property was paid for before I went 2 these people they have traded my loan to over 4 different companies champion mortgage is the latest one can someone I TRUELY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a follow up from my last complaint that was submitted, but never resolved. Claim # XXXX. My private student loans were being serviced by XXXX  from XX/XX/XXXX. In XX/XX/XXXX, I got a letter from XXXX XXXX that due to the settlement of lawsuit, my private loan amount has been adjusted, and will be serviced through XXXX XXXX. However, instead of the account being transferred from XXXX, both XXXX XXXX and XXXX XXXX are billing me for the loan payment.

I have asked XXXX XXXX multiple times for the name of the servicing agent, that was servicing my private student loan from XX/XX/XXXX up until XX/XX/XXXX, when XXXX XXXX claims to have taken over my private student loan.

At the same time, I have asked XXXX XXXX for the Primissory note that I signed for the private student loan XXXX has been servicing since XX/XX/XXXX.

My loan should be serviced through either XXXX XXXX or XXXX, not both. However, I am currently getting bills from both agencies, and neither party is providing the necessary document.

I need to have the following information from XXXX : Primissory Note for my private Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My son signed for a private student loan with XXXX XXXX XXXX in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and XXXX XXXX XXXX reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called XXXX XXXX XXXX to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.

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 2020-06-23
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a brand new XXXX XXXX with less than 1400 miles on it. I have had it for two months. On XX/XX/XXXX, myy car stalled in 4 inches of water on the way to work and XXXX   Roadside Assistance was of no use. The electrical panel appears to be fried, as the car will not change gears, and the dashboard continued to display an error message about the retractable top, which was obviously not retracted in a rainstorm. Water never breached the cabin of my XXXX, yet it malfunctioned in a road lane? Does this mean I ca n't drive in the rain? 

XXXX  Roadside Assistance went through the trauma of verifying my telephone number four times over the course of ten minutes and then hung up on me, when all I needed was for someone to move me off of a busy interstate access road. They texted me that they would have a tow available in 60 minutes ( Case # XXXX ), and I was able to contact XXXX afterwards and they were able to assist me in 15 minutes. Why do you even offer this service, when you have so little regard for your customers ' safety? 

I have reported my concerns to the dealer, XXXX of XXXX in XXXX, Texas, and they are as kind as they can be, but at the end of the day, this isn't their concern. This is a problem with your craftsmanship and your inability to make good on the promises you make for your customers ' safety. How much do you really care about your customers if you aren't willing to respond to help requests? How much have I paid in hidden costs for XXXX  Roadside assistance, when they are unable to follow through on their promises and keep one of their customers safe? 

This is my third XXXX XXXX. I have owned a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX XXXX. I  am reasonably sure I am going to make this my last XXXX, and my relationship with the brand may end as soon as this weekend. You seem to have such indifference to your customers, why shouldn't I buy a XXXX? 

So, in summary, I'd like these questions answered : Why did my car malfunction in 4 '' of water in a paved lane? 
Does this mean I ca n't drive in the rain? 
Why do you offer roadside assistance, when there appears to be little regard for safety? 
How much did I pay for XXXX  Roadside Assistance, since I'm certain someone has to foot the bill for the people who answer the phones -- yet do nothing? 
How much do you care about your customers if you aren't willing to respond to requests? 
Why shouldn't I buy a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-18
Company: Vital Solutions, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my XX/XX/2019 statement I had a {$0.00} charge. I paid the balance by sending payment for a {$1.00} the minimum my bank would allow. This provided for a {$0.00} credit. I received my XXXX statement and the bank debited my credit to make the balance {$0.00}. I called and they refused to reverse the wipe of my credit. I am owed {$0.00}. 

Funny how they wouldn't waive it when I owed them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 1 year now I have been trying to save this home I sent paper over 10 times they say they never got it I offered to pay house off they refuse to work with 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
Consumer complaint received 2020-06-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated an international money transfer via MoneyGram on  XX/XX/2020 in the amount of {$1200.00}. Per MoneyGram, the money was supposed to be available in the recipient 's bank account in minutes. However, the transer status still showing " In Transit '' as I'm typing this compliant. I have reached out to MoneyGram on several occasions to inquire what's causing the delays and no one has been able to give an explanation as to why a transfer meant to be completed in minutes is taking weeks. The MoneyGram transaction reference # for this transfer is XXXX and the recipient country is XXXX. 

Also, this is not my first time sending money to the recipient via MoneyGram. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
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: Personal information incorrect

Complaint:
I have sent several letters to Equifax, I sent them all my personal documents required by Equifax, Equifax stated that they can locate my file ( letter attached ), They have sent me credit reports to me before, how cant they locate my file.?

They ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Equifax any written consent to report these inaccurate old addresses or erroneous information in my consumer report, No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 XXXX I got a email from Huntington Bank stating that my Business Bank account was on hold due to a check I deposited ( {$5400.00} ). I called customer service and I was told that I needed to come in a branch with XXXX XXXX my Uncle I deposited the check for ( He endorsed the check that I deposited properly ). Myself and XXXX XXXX both went to Huntington Bank XXXX XXXX XXXX, XXXX, PA XXXX to clear up the issue and take my account and all my funds off hold. Banking staff refused to accept XXXX XXXX XXXX poof of ID to show no fraud is happening. Staff also refused to take the holds off my account and release my funds that was available previous to deposited check for XXXX XXXX. Huntington Bank staff ( XXXX ) couldn't show me a legal reason to place a hold on my account and available funds. I did not violate XXXX XXXX Banking policies and procedures and they are illegally holding my money! Staff ( XXXX ) did not provide me with any Banking Policy nor Procedure that proves the holds on my bank account is rightful. Covid-19 is still a struggle for my and family this hold is causing me to fall behind in bills and at risk of losing everything I have left. Huntington Bank is causing great harm to my business and family during this current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/2019 I received a copy of the Vehicle Inspection report from Chrysler Capital indicating that all 4 tires needed to be replaced at the astronomical price of {$170.00} per tire. I called and spoke to a representative on XX/XX/2019 trying to negotiate a fair price as I researched tires and found at least five brands all under {$100.00} per tire. I was told that there was nothing they can do to help and I asked to a supervisor who indicated she can knock off 25 % which is {$170.00}. I explained that it was not fair that the appraisal company gets to pick the price of the tires and when I asked XXXX what tires were put on the vehicle to replace the worn ones she indicated she couldn't tell me. The customer service rep told me that they called me and sent a letter advising me that I should get my own appraisal, i never received the call or letter. I would have purchased a cheaper tire on my own if that was the case and not left the price up to the hands of a third party vendor. The fee is Unfair and the process Deceptive ( UDAAP ) and like I told the representative, I am willing to pay a fair price. Why would I pay {$170.00} per tire when the only one benefiting from that exuberant fee is Chrysler Capital. They are not treating customer 's fairly at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
Transunion and XXXX are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX  is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-06-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX After getting XXXX  lost my debit card and I called Bluebird express to report card lost and get replacement card they said to expect card by XX/XX/XXXX then when I called back they my account was restricted? On XX/XX/XXXX My Va XXXX someone use all of it up I call back and They wasn't accept called check my balance XXXX XXXX gone XX/XX/XXXX same things.I write them and ask they closed my account? They did not I send a cancel Direct Deposit Va it just got process XX/XX/XXXX money was send XX/XX/XXXX I lost 3 Checks XXXX my only source of income.Bluebird is a company of America Express Pre Pay Card ripped me off of 3 checks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation