BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i was getting letters from mr. cooper ( my 1st mortgage holder ) for payoff amounts, & i wasn't making the requests. apparently there was one more that that they released to XXXX XXXX from XXXX/XXXX  for XXXX XXXX. my second mortgage was covered under bankruptcy by XXXX XXXX XXXX.until they were sold to XXXX XXXX. they didn't notify me until XX/XX/XXXX, 1 full month after the motion by XXXX/XXXX. they have required more money to be garnished from pay than i make per month. which means, i will not be able to make my monthly payments to the 1st mortgage, my hoa, my utility bill or my monthly living expenses. i will be XXXX   on XX/XX/XXXX, so i don't have any options that i can see. as far as i can see XXXX XXXX   should have been broken up in XXXX & it's board members should have been thrown in prison. in review, my identity was used, illegally to obtain the payoff from my 1st mortgage, i have 6 letters in my possession explaining how to get that info, i called them to tell them it wasn't me, and then asked them who was requesting it. of course they would not tell me. apparently they managed to get my info, because they raised my monthly garnishment, which goes into effect XX/XX/XXXX. any suggestions on how to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CASHCALL, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to XXXX, XXXX. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with XXXX and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. 

XXXX XXXX XXXX XXXX  : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. 

Cash Call : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 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 2023-08-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I logge onto Moneygram 's website to send money to my XXXX in XXXX. This transaction is done every month for the past 3 years- my sisters and I collectively will send money to assist in taking care of our family back in XXXX XXXX On XX/XX/XXXX, XXXX my ucle explained that he was unable to pickup the money from me and my sister and wasn't given any information. I checked my email and received an email that the transaction was cancelled. It would take 10 Business days to receive the money back. I reached out to my sister she checked her email and received the same notification. When I reached out to Moneygram, they claimed that it was an internal decision to stop allowing the receiver to pickup money. It was suspicious activity. My uncle is the only XXXX  left in XXXX with my XXXX y.o grandmother- the money we send helps take care of her and medical issues. There are not many options where they live to send money- it's a hassle and discriminatory to determine who can receive money. Moneygram is a service provider-in this transaction. They should not be able to stop families from sending money on a whim. Especially without reaching out to the sender. If the receiver has suspicious activity they are accusing the sender of the same involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions 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:
EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXX-XX-XXXX-NOT MINE. 

ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXI -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE CERTIFIED CREDIT REPOR -- NOT MINE XXXX  CARD -- NOT MINE XXXX XXXX   XXXX -- 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 non-monetary relief
Consumer complaint received 2020-10-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
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 do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted. 

COLLECTION {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: HUNTINGTON NATIONAL BANK, THE
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have now had two overdraft fees with Huntington Bank and when I have tried to contact them regarding the timing and problem I have received an automated system message that there is a system error and that there is no assistance at the time and the machine hangs up on me. 

The first overdraft happened on XX/XX/2019, on XX/XX/2019 after my flight landed {$100.00} was transferred from my XXXX XXXX Primary Account in order to ensure the amount was positive within 24 hours. I received an email on XX/XX/2019 notifying me of the overdraft and that I was protected by Overdraft Protection however I had previously transferred the funds the day before. This resulted in a {$37.00} Overdraft fee accessed to my account ( though their messaging told me that I had protection for overdraft on the morning of XX/XX/2019. ) The second situation happened today on XX/XX/2019. I received notification when my flight landed that my account was overdrawn however I ( again ) had been traveling for work and was in the air most of the day unable to have internet access in order to transfer funds from my XXXX XXXX Primary Account into my Huntington Account. I called Huntington and each time I was greeted with an automated system that there was a system error and I could not be helped then hung up on. 

This is completely unacceptable as this is the second time I have tried to transfer money from my primary account to my Huntington Account ad have been denied and charged an Overdraft Fee though funds were sent the day of and communication was failing on Huntington 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a payday loan of {$370.00}. On their website, it was advertised as a 7 % interest rate. Looking at my checking account, I'm wondering why I've been paying {$100.00} every two weeks on a {$370.00} loan. I called the company in which then I was told it was an interest rate of 721 %! That is not what it was advertised as. Also, in the state of Florida, a lender can not legally use an interest rate over 304 %. So what this company has done to me is illegal. They have charged me {$100.00} on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. This is way over my loan and almost over the legal interest rate in my state. This company deliberately advertises their interest rates lower then sneakily bumps it up once you sign. When I signed, it was 7.2 % interest. Not 721 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a lease that is on auto payments and the payments were supposed to of been deferred because of a hurricane in our area. One car was deferred but they didnt defer the other on and the payments starting coming out after the payment was due. This started in 2018. Chase has admitted it was their fault about the deferment but they said they cant do anything about the late payments. This has affected my credit in a big way and needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On around XX/XX/2019, I tried to log in on Chase to view my account. The screen prompted that I cant proceed further and to call the 1800 number. I proceed to call the operator relay number and tried to answer questions but I had great difficulty hearing them that well at all. I am hearing impaired 100 % since birth. I was told by them from Fraud Department that they are closing my account and couldnt do any business with them no longer. 

I was livid and very upset because I was about to make transfers from my other bank account to Chase account on semi-regular basis but now I am being blocked from doing so. Today, XX/XX/XXXX I got a letter from them saying that I can no longer use the account. 

I do not recall providing information thar Chase requested. This is absolutely wrong and they know it. I am hearing impaired and talking to them with some of heavy accents really frustrates me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through XXXX and Transunion. XXXX and TransUnion each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX  which shows no bankruptcys in their system. How is it that XXXX and Transunion verified through XXXX XXXX and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA XXXX and TransUnion would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX and a letter from the XXXX district of 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 2020-07-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am apply for my first home loan all three credit reports are showing different account XXXX has XXXX XXXX loans that were removed 2009. XXXX has removed this. And all the letters I have sent the accounts XXXX Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC XXXX report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX BofA XXXX XXXX XXXX XXXX XXXX of the XXXX, XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name BANK OF AMERICA Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX  Account number XXXX .... 
Account name XXXX XXXX XXXX  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 2019-06-07
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a " Payment Reminder '' from a company called FORTIVA claiming to be a retail creditor, and listing the last four digits of an account number. I do not have any idea what " FORTIVA '' is or represents, and did not open any account with a company by that name. The email directs me to pay a minimum payment of {$30.00} by XX/XX/XXXX and lists an address to send a check or money order. It is a 'noreply ' email and I have tried calling the toll free number provided but putting in the numbers listed in the email as the 'last four digits ' of the supposed account starts a loop of a computer voice rejecting that input, and asking me to input my nine digit social security number. I did not do that and immediately did an internet search to find out what kind of company FORTIVA is. That is how I found this CFPB site. I have not received any of the common required disclosures from this creditor ( that I would expect from any credit holder ), nor do I have any form of charge card. 

ALSO NOTE : In the final step of this complaint process the form wants an address that the billing would go to ... as I have no knowledge or information about this account, I DO NOT KNOW what address, however, to finish this complaint I reluctantly will indicate the same address as my primary address - I am conflicted as I do not want to provide a company I perceive as a bad actor with access to my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I had a credit card account with XXXX XXXX in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of XXXX XXXX reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
InQuire that I didnt know about and collections thats not mines

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 2018-04-05
Company: Danco Financial Services, LLC
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: Account status incorrect

Complaint:
In 2015 the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.

Company response to consumer: Closed with explanation