BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XXXX XXXX Status : The file is in forbearance ending soon Initial forbearance Started in XX/XX/XXXX Ends on XX/XX/XXXX How many more months are available? 
It is a private investor so the client has to call in to make the request for extension on forbearance. 
Under Review : No XX/XX/XXXX, XXXX XXXX Status : The file is in foreclosure Sale Date : N/A The forbearance expired on XXXX XXXX. The file is referred to attorney XX/XX/XXXX Under Review : No, nine applications got denied and the most recent one in XXXX, XXXX. The only option is to re-in-state, short sale or deed -in lieu. 
What docs need to be moved forward with Loan modification?

They can still re-apply but are not sure about the result.

Due months : 31 Current principal amount : {$240000.00}. 
This is the timeline of the events that have led up to me losing my mothers home during the last 18 months she passed away and i has been a real struggle to get the loan into my name I have submitted all of the paperwork that was requested and still being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: LA
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:
Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: STATE EMPLOYEES CREDIT UNION
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CARD Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I wentvto XXXX XXXX XXXX on XX/XX/18 I rented a car, also I took one back so I got my deposit of {$200.00} back then the branch manager put in the wrong price so he refunded {$160.00} also that day. So card.com sent me an email on saturday XX/XX/18 which they are close on weekends. They had block my card. For my protection. I did not call this company and say i had and problems so why block my card. I talk with XXXX on XX/XX/18 to see what was going on. I sent documents and she unblock my card. So on XX/XX/18 my card gets block again for the same stuff. Which i sent documents the company XXXX  sent documents but still my card is block. I spoken with 3 supervisor only name i know is XXXX because the other 2 refuse to give their name. I want my card unblock its my money and not their. However i spend my money is my business. So this company is doing fraulant stuff to my card. I need my money. Can u all help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2018-11-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I turned XXXX last year. My property taxes froze and I sent XXXX XXXX XXXX this information. They recalculated my mortgage and reduced my payments. However, the calculation was in error resulting in a $ 12,000+ escrow shortage and double mortgage payments in XXXX and XXXX of this year. I have made up the shortage as soon as I knew exactly what the full amount was. I expected my payments to go back to the recalculated amount for XXXX and XXXX since I immediately made up the shortage ( at unexpected expense to me ). However, BBVA is telling me I must still pay the double payments until year end because the recalculation was already done and they " will just start fresh in XXXX ''. this is NOT acceptable. This wasn't my mistake and I made it right. Now I need AT least XXXX back to the recalculated amount or the difference placed in back in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2021-01-27
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: Investigation took more than 30 days

Complaint:
In 2017, my XXXX XXXX Credit Card ending in XXXX was stolen from my office. Purchases and fraudulent payments were made that allowed the thief to exceed the credit limit. I filed the attached sheriffs report. The card was canceled, charged off, and then one year later a fraud investigation was performed in my favor. The amount was reduced and I could not afford the lump sum. I had great credit rating and was paying card off monthly after XXXX treatments. One year exceeds the requirement to do a fraud investigation. XXXX XXXX doesn't care. So I am left with a lump sum I can not pay plus a negative credit score that will remain even if I pay settlement amount. THIS IS UNFAIR! Plus the Credit Reporting Agencies just shuffle paper and do not investigate for accuracy and completeness.

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 2023-10-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Illegal unauthorized fraudulent transactions and charges were allowed to all of my accounts in 2019

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is a request for action. 

I want EXPERIAN to remove all the soft inquiries off my report and deny any access for any entities to utilize soft inquiry through EXPERIAN 's information systems. Soft Inquiries are an invasion of privacy when they are being allowed without consumer consent and when the credit report is in security freeze status which mine have been since XXXX XXXX 

Remove : both the XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX and EXPERIAN I want to be provided with an updated report showing removal of the soft inquiries and my FICO credit score from EXPERIAN.

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 2017-09-12
Company: Real Time Group, Inc.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Account number:XXXX XXXX XXXX XXXX XXXX 15 u.s.c section 1681 section 602 a state I have right privacy 15 u.s.c section 1681 section 604 a section can not finish account without my signature

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 2019-11-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of fraud in my checking and savings account in the month of XX/XX/2019, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, made their investigations and returned everything to me My money was extracted, after 3 months they are calling me from a company Hunter Warfield, explain that I was a victim of fraud and that I am not going to pay a debt that I have not made, today I realized that they they put my debt in XXXX, they are damaging my credit, I don't understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this inconvenience that will affect my credit

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 2022-08-14
Company: ALLY FINANCIAL INC.
State: DE
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:
On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to 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 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX i was no longer was able to access my chime account through the app so i called chime customer service and informed them of the issue but the issue was never resolved so i requested they freeze the account temporarily because i didnt have access to the account but i was receiving notifications transactions were being made. I called numerous approximately XXXX times attempting to regain control of my account with no luck. On XX/XX/XXXX chime finally closed the account. at the time of my last purchase i had a balance of {$99000.00}. Chime has been denying me my funds or any resolution of me receiving the return of my money. I have callded hundreds of time and emailed just as much i would just like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Farrell Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I commenced an auto loan for the purchase of a 2008 XXXX XXXX in XXXX, XXXX. Per the terms of the contract, the loan was to be paid in full after 42 monthly payments, of which, the first was paid on XX/XX/XXXX. The maturity date for the auto loan was XX/XX/XXXX. Due to hardship, I fell behind on my payments and was rolling a 1x30 late. I was contacted by a representative of Prime Acceptance on XX/XX/XXXX, who advised they were willing to modify my loan. This took my monthly payment from $ XXXX/month to $ XXXX/month. The loan term would remain the same so to make this happen, Prime Acceptance promised to perform a principal balance reduction so that my loan would be paid in full as of the same date as the initial contract. When I contacted Prime Acceptance in XXXX, XXXX for payoff details, i was informed of an over {$8000.00} principal balance and that my loan would not be paid in full by XXXX if I continued to make my currently payments. When I questioned the terms of the modification, I was advised that the modification did not take place as explained to me. Currently, I have had my vehicle repossessed, which I reinstated the loan on, but I will never get the value back out of my car, and if I had known that I would in a sense, never get through paying for this car even after having paid {$19000.00}, I would have made different choices. I have looked through all my documentation and they never even disclosed to me when this loan would be paid in full post-modification. I feel that I am a victim of predatory lending and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 currently trying to educate myself on credit and how to utilize it. I recently downloaded a few credit score posting sites, only to find out that lines of credit were obtained using my social security number. I was a victim of a security breach years ago. Someone has diligently used my social security number to obtain lines of credit. I have reported this to the federal trade commission as well.

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