BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am working now and need to apply for a loan modification. I just want to modify my loan, improve my credit, remove all the fees, and start making payments again with fees removed and late payments applied to the back of the loan. I am making $ XXXX so I can afford to make the payments again. 

This all started when my loan got transferred from XXXX XXXX XXXXo XXXX XXXX XXXX and snowballed ever since. Now it's with Specialized Loan Servicing in foreclosed status. 

History Company Dates XXXX XXXX  XXXX Mortgage XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ( Never Honored XXXX XXXX  Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) Specialized Loan Servicing XX/XX/XXXX - Present ( Never Honored any Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) In addition, SLS  has broken many debt collection practices. A copy of the voicemail is attached below. 
XXXX at 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 2020-06-04
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2021-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A capital one 360 account was opened without my permission. The service reps had poor customer service and tried to blame my mother. They were rude and not open to listen. They did not solve my problem at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Source Receivables Management LLC
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 status incorrect

Complaint:
Company agreed to delete after paying settlement in full and have not done so only updated to paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXXXXXX XXXX  dont ever do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX  needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. XXXX XXXX  dont ever do this!

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 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I have noticed that CAP ONE NA have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both CAP ONE NA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible  purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a victim of XXXX. Way 2 Go card company issued by the Georgia XXXX  XXXX XXXX will not refund the {$6000.00} that 2 female suspects stole from me. I provided Way to Go with the Police Report and direct statements from the XXXX XXXX, the XXXX on my case. And they still won't refund my money and won't talk to the XXXX on my case. This is pure ILLEGAL. Way 2 Go is just as guilty as the suspects who stole my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: OKCoin USA Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I purchased cryptocurrency in OkCoin. Their XXXX XXXX identity verification system will not verify my identity because they say the pictures of my id are too blurry using their system. I have sent them clear pictures of my identity and asked to discuss other solutions. They will not provide me with any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my account with all 3 bureaus last year. XXXX and XXXX had no issues placing and removing as the process is very much streamlined. 
I had to call Experian to add freeze, I was told that I would be sent a pin via mail when I asked over the phone they said they can't give me that and I have to wait for it. Never received it. 
Now I need to remove the freeze to allow a lender to pull my credit because I'm applying for a mortgage. I can't get through to a human through Experian 's phone system or web. I tried every customer service number I can find and even called a local number that I found on the web for a XXXX office. No matter what option I choose I always get sent to the automated system that asks me to mail confidential documents to a PO box . 
This is really abuse of priviledge, what authority do these people have to collect my information, charge me for not giving out my information and now they won't allow me to access that information when I need to access it. I will never ever deal with Experian to use any of their services again as I learned my lesson,

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 2018-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian provides a misleading free trial report which turns into an automatic billing cycle. The worst part is after months of subsequently being charged $ XXXX/month, I am unable to cancel. They provide no capability to cancel online and require that you phone. After choosing the cancellation option via phone, you are put into a 2+ hour queue ( presumably, in hopes that you will give up and not cancel ). There is no call-back option or anything to assist if you are disconnected. After spending hours on hold and not being able to speak to a rep to cancel this service, I concluded my only option was to file this complaint.

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 2020-05-06
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by FACTUAL DATA ANY OTHER COMPANY, and including the XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
Huntington Bank has given me 5 and I repeat 5 different stories on depositing checks availability. They DO NOT TRAIN THIER PEOPLE AT ALL TO BE A GOOD TELLER!! 
I deposited a check on XX/XX/2019 for {$300.00}, it was from my mother. 
I asked when will it be available?? 

teller 1 : We do not know, it depends on what the " back office '' decides. 
teller 2 : Possibly tomorrow, and for {$250.00} will be available teller 3 : Possibly tomorrow, and for only $ XXXX wll be available. 

I asked : My account is new, when will funds be available the next day guaranteed?? 
After 6 months!! teller 1 After 2 months. teller 2 I dont know teller 3 This bank is Pathetic!!!!!!!!!!! Talk about being vague, and hiring young kids that know absolutely NOTHING!! 

I have other accounts, it is all in black and white on funds availability, this bank needs to be investigated, and I mean NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is against Nissan Motor Acceptance Corp. A/C # XXXX. In XX/XX/2020 I co-signed for my son to lease a car. My son lost his job and I just found out he did not make several payments and was two months late. I am fully aware that I am responsible for making the payment if he does not make them, but my complaint is that at no time did Nissan Motor inform me the payment were late. They are claiming they did not have my information but at the very minimum they have my address. There is no way they would allow me to be a co-signer without getting my personal and contact information. At no time during this process have I received an email, a phone call and much less a letter letting me know the payment were not being made. As soon as I found out about the late payment, I called them at XXXX and brought the account current. I also told them I had just found out the account was late and was asking why I had not been notified. They told me they cant control the USPS and most people call to say they have not received the letters they send. The claim they sent two letters. At no time did I receive any letters and I have proof. I am set up with the USPS and every morning at XXXX I get an email with a copy of the envelopes I am receiving that day. I can provide these emails going back several months if necessary and you will see that not one envelope was received from Nissan. I asked the rep who would only give me his first name of XXXX, if he didnt think it was strange if as he says most people claim they dont receive mail from them. I did not receive any mail or notices from them. This has a big impact on me since late payments are reported to the credit agencies which can impact negatively in many aspects. It impacts jobs, interest rates, ability for me to refinance my mortgage, car insurance, just to name a few. Since Nissan did not notify me that the payments were late, they should also not have the authority to report this to the credit agencies such as XXXX, XXXX and XXXX XXXX. As a co-borrower I am obligated to make the payment but if the borrower does not make the payment, Nissan is also obligated to inform me that a payment is due. I have my obligations as a debtor, but Nissan also has an obligation as a lender. I want a letter from them confirming they will not report the late payment since they did not due their due diligence in contacting me. I am sure my conversation with them was recorded. I am asking the CFPB to assist in this complaint since they are so difficult to deal with. I was finally able to get my son to give me a copy of an old statement which I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 a loan with HUNTINGTON NATIONAL BA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HUNTINGTON NATIONAL BA  with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK  XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 2020-05-05
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: Public record information inaccurate

Complaint:
I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, transunion, and XXXX, to remove account : XXXX XXXX XXXX under account number : 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 2021-04-11
Company: EQUIFAX, INC.
State: PA
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:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Merchants Acceptance Corp
State: KS
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:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX  by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX to further solidify my identity as a victim of XXXX in many forms, financial XXXX being one of the many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX  and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home.

Company response to consumer: Closed with explanation