BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly XXXX XXXX in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

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 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 a hard inquiry from XXXX XXXX I have been disputing since XXXX with transunion and XXXX   that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Return Transactions Tran Type Check Check Balance Information : Month/Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Balance {$0.00} {$0.00} {$1000.00} Check Number Amount Return Reason Account Closed Account Closed where is my retuned check?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2019-07-12
Company: EQUIFAX, INC.
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:
Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED,  XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Mr. Cooper Group Inc.
State: WA
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:
On or about XX/XX/XXXX XXXX  reported on my mortgage ( held by Nationstar Mortgage ) that was part of a bankruptcy in XXXX. This was clearly illegal and harmful and caused me great distress. We are in the process of looking for a new home and need financing. Several days later the item was withdrawn and my credit score dropped 11 points. I received confirmation of this through XXXX XXXX. I sent a letter to the mortgage company ( Mr. Cooper ) who replied that I should call. I called them ( XXXX ) on this date XX/XX/XXXX and requested my credit score be fixed. Their reply was that it was XXXX XXXX   fault for ignoring the suppression of this item and they would not fix it and it could not be fixed. Please help me with this as I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was affected by XXXX  I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021  due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX  affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE! 
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Some one opened account used my personal information. Please remove this account from credit report. 

XXXX XXXX XXXX -date fraud began XX/XX/2003 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 2019-07-12
Company: Experian Information Solutions 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:
The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX  Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX  Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX XXXX Inquiry from XXXX XXXX, XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX 14  XXXX Inquiry from XX/XX/XXXX 15 XXXX Inquiry from XX/XX/XXXX 16 XXXX Inquiry from XX/XX/XXXX 17 XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXX XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22 XXXX Inquiry from XX/XX/XXXX 23 XXXX XXXX Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry fromXX/XX/XXXX XX/XX/XXXX 27 XXXX Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since I had graduated from XXXX University XXXX to get XXXX Degree and then went to University XXXX XXXX to get XXXX Degrree in XXXX. 
I have a issue with my Navient loans interest accruing daily and I don't have a job to pay the interest but looking for a job, have been applying and mostly no calls back. I have 18 types of loans with Navient and each loans have different interest percentage and I have apply for the Income Driven Repayment Plan and I pay {$0.00} for Principal, but the interest is keep growing everyday about {$8.00} a day and if you multiply for 31 days, that means interest grow about {$250.00} or more dollars a month on my Navient account and I don't really have the money for the interest and plus that would put me in debt even more. The Loan Education Department should only let interest rate grow when borrowers have a job and pay for it. Interest should not when they don't have a have job. The interest rate should also be {$0.00} a month until I find a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease. 

XX/XX/XXXX, the California Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV. 

XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to XXXX, and my credit score went from XXXX to XXXX. 

XXXX said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from XXXX. I check my secure mailbox daily and the USPIS said there were no reports of mail theft at my address. 

XXXX said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; XXXX and I had a business relationship and they should have left messages. 

XXXX said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them. 

XXXX XXXX, XXXX I received a bill from them and mailed a check to XXXX. 

XXXX XXXX, XXXX as per my bank XXXX transacted my check. 

XXXX XXXX, XXXX my credit monitoring service notified me that XXXX made the Payment Status CHARGEOFF, and my credit score went from XXXX to XXXX. 
I sent several letters to XXXX asking that my credit be repaired. 

XXXX XXXX, XXXX I received a letter saying XXXX XXXX XXXX record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed. 

I filed complaints with the Federal Trade Commission and the California Dept. of Business oversight because XXXX XXXX is located here, but those efforts hardly improved my credit score. 

In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from XXXX that the company does not have my records and to challenge my score with the credit agencies. 

To this day, XXXX continues to send me maintenance reminders and sales notices related to the leased car I returned.

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 2020-02-05
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. Receivable Management services calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.

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 2020-06-29
Company: WELLS FARGO & COMPANY
State: AR
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 XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX  XXXX, TX

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have a charge off XXXX thati would like removed they are reporting twice on my credit and the wrong one I g date it been over 5 years old one account says closed and other sayi owe, they are reporting wrong information and if it charged off they have already received there money throughout insurance. I have already submitted to all three Credit companies information is inaccurate and would like it removed

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 2020-05-09
Company: JPMORGAN CHASE & CO.
State: CO
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 have had the Chase Saphire Reserve Card since XXXX of 2018. I agreed to a {$450.00} annual fee upon signup. This year, it looks like they fraudulently charged a {$550.00} annual fee. 

I called to resolve this, the agent refused to let me speak with a supervisor, citing coronavirus. She said that they sent an email ( they did not ). She claimed that an email is all that is necessary to violate contract and raise the annual fee without notice. She then disconnected the call. 

Furthermore, Chase Saphire airport lounges are closed, travel credits can not be used due to travel restrictions, and most of the card benefits can not be used by anyone. Finally, concierge is unavailable, and customer service is unable to provide support due to being understaffed from the pandemic as my recent call proves. 

This issue can be resolved by refunding the full annual fee ( {$550.00} ) that was charged without notice or authorization.  Otherwise, Chase needs to be sanctioned for this fraud perpetrated on millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were attempting to do a short sale. Nationstar mortgage changed the locks on the home and forced the utilities in their name. They supposedly winterized the home but the pipes froze and the home was flooded and had to be completely gutted. They have since been sued by XXXX XXXX for their negligence. Theyb forced utitlitiesn in their name but they never put on the required forced insurance. We had received an offer that if not accepted we could have put in the remaining funds to cover it. Nationstar and XXXX kept telling us it was tghen other parties problem. This now reports as a foreclosure. Our ability to sell the home was taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spoke with a gentleman with your company asking him to send me all my statements pertaining to the credit card that I have with your company. I received the package in the mail on XX/XX/XXXX and when I opened the package the dates of the statements were only from XX/XX/XXXX through XX/XX/XXXX. I also have the latest XXXX Credit report that was sent to me XX/XX/XXXX. Listed is all the information on your company CAPITAL ONE BANK USA NA Date opened XX/XX/XXXX. I called Capital One XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX explaining to her that I did not receive all of my statements that I asked for. XXXX then put me on hold and then came back to the phone and told me that she could only send me Statements from XX/XX/XXXX throught XX/XX/XXXX and I would receive them in 7-10 business days. I then asked her why can't she send me my statements from XX/XX/XXXX through XX/XX/XXXX? She told me that they no longer exist in their company. I then said they have to exist somewhere, and I am requesting the statements to be maailed to me along with the ones you are sending me. XXXX then tells me that I will have to have a Power of Attorney send a letter to them requesting my statements from XX/XX/XXXX through XX/XX/XXXX and they have to include in the letter my full name, address, social security number, and date of birth to this address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 applied for a credit card and my credit report was pulled twice by Capital one bank. in two different days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A loan we have is serviced by Shellpoint Morgage Servicing. Shellpoint put a loan in forbearance that we never asked to have in forbearance. They cancelled my autopay, and then when the payments were late they reported it to credit bureaus which is now preventing me from getting other loans. I have contacted them dozens of times and they are opaque and unwilling to help. I have all the documentation in the world telling them they made a mistake, pleading with them to help. To this day I can not setup autopay that they cancelled and pay manually every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a XXXX  XXXX prepay gift card on XXXX at a XXXX store I put {$300.00} cash down on the card I never used the card. I checked the balance when I got home that night an hour or so after I bought the card and it already had {$140.00} charged on it, I will say this again I never used the card and to this day I have not had Acess to the funds I put down. After finding out about the charges I didnt make I called the number on the back of the card. The only why I could talk to a person is by entering the card number, exp. date and code on back and getting a recorded voice say the card numbers are invalid please try again after doing 4 to 5 time it gives the option to talk to customer service, they told me when I finally got a person there are no direct phone numbers to get to customer service, so I have to go though this process every time I want to talk to them and it takes about 30 ; minutes to do this process every time. 
Well I told them I didnt use the card and I filled a fraud complaint, they sent me a email and I faxed it to them XXXX XXXX XXXX who has a fax machine any way these days. Well I do now. And the card was put on hold including the undisputed amount of {$160.00} I had no acess to any funds. Well its XXXX XXXX XXXX and they are saying it will take 45 to 90 days to complete the investigation. Thats from XX/XX/XXXX I am told even though I faxed almost 2 weeks before that. 
I have spoken to 5 or 6 different representatives and its been a different story almost every time.

Company response to consumer: Closed with explanation