BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
refinance was to take place in XX/XX/XXXX, however loan did not close. The closing was resechuled for XX/XX/XXXX at XXXX in my home. The day of the closing a notary higher by Mr. Cooper which is my mortgage company, called to say another person would be doing the closing, which to him was the last minute, closing ran until XXXX that night and continued the next morning. Papers were signed closing certified check was given. After two to three weeks since we had not heard anything from the company I called, Mr. Cooper, they said they had no record of such closing! and from that day its been a nightmare. After much going back and forth with this company, they still refused to ackowledge the closing, even though I signed documents and paid closing costs. A rep from Mr. Coopers, said they would check into this, and instead my closing costs were returned a month after the closing. I reminded the rep that I had 3 days to recind the transaction and I had not and according to mortgage documents they had 30 days and that they had gone beyond the thirty days. Well they falsely said to me they would return the closing costs so I could pay the original mortgage bc it now was late ( their fault ) and call me back with another closing date. Then I get a phone call from XXXX XXXX, not from the other personal I had been working with, and she told me that she had bad news that they were not going to reschedule a new closing. According to her they now had to do appraisals credit reports etc.,? This conversation took place the evening of XX/XX/XXXX. All this time since XX/XX/XXXX? I am still waiting for a reply. Very upsetting to say the least, is this legal what they did to me :?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE 9 UNAUTHORIZED INQUIRIES ON MY TRANSUNION REPORT. I NOTICED THEM AND REACHED OUT TO THEM AND THE INQUIRIES ARE STILL THERE.

THIS IS THE LIST OF INQUIRIES : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/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 2021-07-11
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and XXXX  . On the XXXX  credit report, I again see the fraudulent World Acceptance Corporation account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both World Acceptance Corporation and XXXX  failed to adhere.

According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both XXXX  and World Acceptance Corporation have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, World Acceptance Corporation violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a dispute then ending up in another dispute with with the bank. 
Ive Been with 5/3 for 5+ years during that period I have been late on payment once maybe twice, after opening a dispute I was given incorrect information ( on a recorded line that was reviewed and confirmed ) by their representative who advised me not to make any payments on the amount in dispute which was my entire balance at the time yet still I was charged late fees which they refused to waive even after it was confirmed the rep gave me wrong info. So my claim was denied and I was charged 2 late fees on top of my dispute amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX uses XXXX XXXX to process their payments. My payments, principal, interest, taxes and insurance are XXXX a month. However, in XXXX of 2021 my payment was XXXX which raised an alarm because it is automatically debited from my account. I have contacted them several times. They come up with this line of hoopla that my taxes and insurance have risen, which is a complete lie. I have proof from insurance and tax records that this company is stealing extra claiming it is needed for escrow. They need to be investigated further. I have gotten the rudest people and nothing but continuous loops with non existent customer service. Go to find out this company has numerous complaints regarding extra funds taken out, when they shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: OH
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 submitted several inaccurate information and reporting on my credit report. The issues still arises. The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the reporting account is shown charged off in XX/XX/XXXX which is completely inaccurate. Inaccurate information that a CRA reports as accurate has to be removed under FCRA if the said information is to be inaccurate. This is the case. My records reflect that the aforementioned account was opened on XX/XX/XXXX. On XX/XX/XXXX, XXXX placed your account with XXXX XXXX XXXX XXXX ( XXXX ). This did not accurately relfect the information that Experian and XXXX considered to be accurate on my report and thus FCRA violation require removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately 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 2023-06-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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:
On XX/XX/2020 I submitted a complaint to XX/XX/XXXXXXXX and XXXX XX/XX/XXXXthat had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are not my accounts or inquires on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I took out a cash advance in the amount of {$1400.00}. On XX/XX/XXXX I made a payment in the amount of {$1400.00}. The minimum payment was {$280.00}, I was under the impression that any amount paid over the minimum would be applied to that portion of my credit card balance with the highest interest rate. When I saw that was not done I called on XX/XX/XXXX and asked if the excess over the minimum payment could be applied to the portion being charged the highest interest, I was told that was not possible. 

I thought the Credit Card Act of XXXX made it very possible to pay off the higher interest rate by making a higher than minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initated two account deposits from my XXXX checking account to Coinbase. Both transactions one on XX/XX/XXXX for the amount of {$1000.00} and the second on XX/XX/XXXX for {$500.00} were completed by XXXX on XX/XX/XXXX and fully funded to my account in Coinbase. When logging into Coinbase account funds show in a still pending state and unable to move money back. 

I have reached out to support numerous times and received no reply. This company is horrible, very misleading, and should no doubt be banned in the United States as this is no way to treat customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue

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 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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 and account #, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$770.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my personal information stolen after opening a new business and an est. amount of XXXX that was missing and I also had company fuel cards stolen using an est amount of XXXX, XXXX, XXXX XXXX with XXXX XXXX, capital one 360, capital one spark, XXXX XXXX personal and business, XXXX  XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX, XXXX I did file police reports after each time that my semi-tractor trailer was broken into without my permission some of the companies that I was working for is the same individual that broke into my semi and stole all of my personal and business information and I have a lot more evidence that can not be said as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ONLINE Information Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Online Information Services about a utility company, XXXX XXXX XXXX, in XXXX, Arkansas. I contacted the utility and was assured by the person I spoke to that the debt was for an address in XXXX and the individual was from XXXX. She verified that the last four digits of my Social Security number was not the one associated with the account in question and that the address of the individual was not at all similar to my address. The name on the account is not my name and my address is in the Eastern half of Arkansas and not even close to XXXX, Arkansas. She also did not recognize the name of the collection agency. I believe this company is gathering debt information and associating good addresses with bogus names in an effort to extort money from unsuspecting individuals. I have reported this company to the Arkansas Attorney General 's Office, as well as the XXXX County Sherriff 's Office in an effort to alert others to this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.

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 2017-09-22
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today I learned from XXXX XXXX that because my student loans were consolidated in 2010 that any payments prior to that date are not eligible for the Public Service Loan Forgiveness program. I was not informed, at the time of consolidation, that my eligible payments from XX/XX/XXXX2010 would be eliminated from my PSLF history, and I would be starting from scratch. The customer service rep I spoke to confirmed that " the impact to PSLF is not mentioned as part of the consolidation process '' and it was n't in the fine-print ( which I did in fact read ). They are clearly trying to avoid forgiving loans to those of us who are committed to public service, and that 's reprehensible.

Company response to consumer: Closed with explanation