BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: Army and Air Force Exchange Service
State: AE
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:
In XX/XX/XXXX I XXXX  to XXXX. During that month i contacted AAFES about a XXXX XXXX credit card that i have with them. As part of their XXXX  benefits, no payments on the card are required from the date that i XXXX until i return to my home station ( XX/XX/XXXX ). I noticed that although these benefits were applied to my account, i was still receiving past due notifications on my monthly statements. When i called customer service i was ensured that the issue was resolved. I was also told that this would not report negatively to the credit bureaus due to my enrollment in the XXXX  benefit. In XX/XX/XXXX i received a notification from XXXX  that this account had in fact reported as 30 days late. I submitted a dispute and the issue was resolved. Two weeks later it was updated again as 30 days late. As this was happening my XXXX   credit file was reported as 30 days late in XX/XX/XXXX. I have spoke to numerous individuals over the phone and the Disuputes center at AAFES but every time the issue is " fixed '', it just reappears or reports late during another month. I submitted another dispute through XXXX  and this time it came back saying that the information has been validated as accurate. I have emails from AAFES stating that the account was not deliquient in XX/XX/XXXX as well as XX/XX/XXXX. Yes even with these emails, they can not seem to properly report this information to the credit bureaus.

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 2019-08-26
Company: CASHCALL, 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:
CASHCALL INC.IS APPEARING WRONGFULLY ON MY XXXX  AND XXXX CREDIT BUREAU REPORTS. 
IT IS ACCOUNT NUMBER XXXXCASHCALL IS A NOW DEFUNCT PREDATORY LENDER.I WAS PREYED UPON BY THIS LENDER UNKNOWINGLY TAKING OUT A APPROXIMATE 100 PER CENT APR LOAN.AT THE TIME I HAD SUFFERED XXXX STROKES IN EARLY MIDDLE AGE EVEN THOUGH EARLIER I HAD BEEN A PROFESSIONAL TENNIS PLAYER.CASHCALL VIOLATED A COURT INJUNCTION THAT WAS PERMANENT ( ATTACHED ) FORBIDDING THE ISSUING OF A LOAN WHERE THE INTEREST RATE WAS NOT CLEARLY EXPLAINED AND FOLLOWED UP WITH A EXPOLANATORY PHONE CALL WITHIN 72 HOURS OF LOAN ISSUE.THIS WAS NOT DONE IN MY CASE.

IN ADDITION THE CA SUPREME COURT ADDRESSED MY TYPE OF LOAN AS UNCONSCIONABLE AND THE FACT THAT THE LOAN WOULD BE INVALIDATED WITH OTHER PREDATORY ILLEGAL BEHAVIOR. 
CASHCALL ENJOYS DESTROYING OTHER PEOPLES LIVES AS THEY ARE DOING AND HAVE DONE TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To the Consumer Financial Protection Bureau : I am writing to make an official complaint against Mohela, my federal student loan provider, regarding the capitalization of > {$10000.00} in accrued interest on my loan after I entered the first payment period. I graduated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, repayment for the first time. I believe that the capitalization of my accrued interest is an unfair business practice and I was deliberately misled by Mohela regarding the capitalization of my loan. 

I have called Mohela to discuss my loan >5 times between XX/XX/XXXX and XX/XX/XXXX and was never told that the accrued interest would capitalize. The two signed promissory notes, one for XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and one for XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) both state that accrued interest " may '' capitalize and the subsequent interest statements that I received also said that interest " may '' capitalize when my loans enter repayment after graduation. None of the paperwork that I signed ever clearly stated the rules and conditions under which this judgement would be made by Mohela. " May '' is a deliberately vague and misleading description that leads me to believe Mohela made the decision to capitalize my accrued interest at their own discretion, and in a deceptive manner. This business practice will likely result in an increase of > {$4500.00} in loan repayment to Mohela. 

I am happy to provide any additional documentation from Mohela that is necessary to review my claim. I hope that the CFPB will assist me in this matter. 

Kind regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for {$2500.00} through Synchrony Bank for an XXXX XXXX   purchase. I attempted to make a purchase multiple times that failed on XX/XX/19. 

Synchrony Bank is saying I have two orders. XXXX XXXX says I do not have an order. My credit limit is now maxed with no resolution. 

My XXXX was also charged multiple times for shipping and taxes. And again, no order has been placed. Please see attached docs.

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 2022-10-16
Company: EQUIFAX, INC.
State: FL
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:
I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or around the XX/XX/XXXX of XX/XX/2019, I recieved a card in the mail with name and info attached. On the XX/XX/XXXX i told square /cash.app of the mistake that was made using my identity. An account was made in my name and address. After numerous messages via XXXX to their verified account i finally recieved an email on XX/XX/XXXX saying they needed even more personal information. They were not using any form of credentials when asking for my information. They don't have a phone number or way to contact them outside of social media. This facilitates a gap in banking where they're allowing XXXX   to use my identity and sell them my data without being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 my bank, XXXX Bank XXXX XXXX, AR, overnighted a cashiers check to Ally Auto for the amount of {$14000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/2022. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next two days to check. I was told this every few days over the course of two weeks. At the end of week two I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over three weeks since the payment was received. My payment is severely overdue ( it was due on XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I sent a certified letter ( XXXX ) to Experian for a re-investigation on accounts that were previously disputed. The letter was then received by Experian on XX/XX/2019 at XXXXper USPS tracking. The letter clearly stated the following information. 

I then received a response from Experian on XX/XX/2019 stating they were not going to re-investigate the accounts unless I submitted documentation to support my claim as they were deemed as " accurate & verified ''. 

Experian refuses to delete/correct blatant INACCURATE information directly pulled from their report. 

Please see attached letter that was sent outlining each account with their respective violations ( FDCPA ) & blatant inaccuracies. 

FCRA states its the sole responsibility & burden of each credit bureau to conduct a proper legal investigation. Also that the information reporting is 100 % accurate & verified or needs to be removed immediate.

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 2022-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$22.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a letter of sale from Mr cooper Mortgage Company to XXXX XXXX XXXX. The letter is dated XX/XX/2019 ans I am to be given 15 days notice under RESPA. 

The problem I am having is that Mr. Cooper was on XX/XX/2019 supposed to do a Escrow analysis to establish to following years payment. I can only see the amount online as to the amount put in escrow which is XXXX along with any future payments into the account of XXXX for XXXX and XXXX. The problem with this is my taxes of XXXX are due in XX/XX/2019 as they are paid bi-annually. I have no idea of the status of the escrow or any shortages on this account before the transfer to a company known to not even pay taxes or evaluate escrow. 

I have to re-finance the house and can not get the correct data during the transfer and it will be up to 60 days until I can get this loan out of the predatory hands of XXXX. 

My request is simple that Mr. Cooper provide in writing an escrow analysis as of date of transfer oer even put something in writing on the account so I can refinance. They refused my request twice when I called saying since they sold the loan they didnt bother to establish my escrow dollar amount before transfer for me under 12 USC 2605 and although they may be exempt under the 15 day rule, they were supposed to run the escrow at the beginning of XXXX as I had spoken to Mr Cooper twice in XXXX about paying extra into the account. Either they knew at the beggining of XXXX the account was going to transfer or were behind on informing me of my escrow under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received an email ( see attachment XXXX ) as a formal response to my complaint filing to CFPB ( Case XXXX XXXXXXXX ), suggesting that Citi still refuses to cooperate to unblock my account and that the address in the correspondence does not match their record ( " Wrong Address '' ) despite the email showing my current address ( " Correct Address '', ( e.g., XXXX XXXX XXXX ... shown in attachment XXXX ) ). 

The only way to unblock my accounts is for me to provide a reference number in a letter sent by Citi 's Fraud Department multiple times, but the letter never arrived as it was sent to the Wrong Address. 

The account was opened on XX/XX/XXXX, and the address shown in the application documents is the Correct Address. Therefore, Citi has changed my contact information without my consent, purposely put a block on my account, and refused to provide alternatives to verify my identity and allow me to access the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NJ
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXXBalance : {$400.00}, XXXX XXXX Balance : {$140.00}, XXXX XXXXBalance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXBalance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX  Balance : {$540.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00}, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously submitted a complaint regarding removing PMI with Mr. Cooper. They acknowledged communcation delays in their response. I followed up again on XX/XX/XXXX to start the process for an appraisal to have the PMI removed. They indicated that research would be need to be done, since its an investment property. Someone from the company was supposed to contact me within five business days. I still have not received a response to this simple question. The customer service at this company is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Sequoia Financial Services
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:
For over 2 years Sequoia Financial Services has been reporting several negative medical collection accounts under my name. I really believe it's someone with the same name because they can not successfully verify these counts belong to me. Please help me. 
Over the last 24 months, I have requested proper investigation and correction of these inaccurate reportings MULTIPLE times to absolutely no avail. We are now looking to purchase a home in the current market and it is IMPERATIVE that this is corrected immediately. Please help me. Since Sequoia refuses. Now they just don't even bother to reply to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ALLY FINANCIAL 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.

Company response to consumer: Closed with explanation