BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. Capital One Auto Finance/ Capital One placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. Capital One could have used the first inquire as it remains available in the system for 30 days. I was preapproved through Capital One  and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-02-27
Company: BARCLAYS BANK DELAWARE
State: NJ
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 contacted XXXX and spoke to a supervisor name XXXX XXXX. I explained that I contacted Barclay bank and wrote letter several times disputing the numerous inquires on my XXXX credit report. Barclay did not respond as I think someone was trying to defraud me. I put a freeze on my XXXX to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries 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 2019-05-29
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.

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 2017-08-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was XXXX and spent several months in XXXX which prevented me from making payments or calling the mortgage company asking for any type of loss mitigation assistance. Due to the missed payments, a sale date was scheduled for XXXX XXXX, XXXX. I was released on XXXX XXXX, XXXX and immediately put the property under purchase contract as a standard sale, it is a cash offer. We submitted the purchase agreement to the mortgage holder on XXXX XXXX, XXXX. Documents were confirmed received on Friday, XXXX XXXX, XXXX. I was told that the property would need to be sold and paid in full BEFORE the sale date ( that is only 7 days ). I explained that my buyers have a 7 day inspection period and still need to pull title to ensure no other liens are on the property. This unreasonable time frame will not allow for any of that to be done. We then requested reinstatement and payoff figures, we were told they needed to be ordered and would take 3 business days before the figures would be available. This means they would not be available until the day before the actual sale. I asked how they expected me to reinstate the loan if I did n't have the figures. I was told we should have called in sooner. We called on 3 separate occasions and were told the same thing all 3 times. I am the only one listed on my loan, I was not in a position to make phone calls and stay talking on the line for hours trying to get this worked out. Once I was released, I made every effort to rectify the loan. There is over {$100000.00} in equity in my property and now, the mortgage company is trying to profit off of it. All I am asking for is a postponement of sale in order to complete the sale. Nationstar will not help me with this but instead are moving forward with the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

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 2018-07-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/XXXX i uploaded a new copy of a police report of fraud of someone using my identity to purchase cars and credit card loans, I also uploaded the public copy of the police report from the website wake county.gov and sent in my Driver license and SS Card and once a week i call in and talk to a fraud agent at Experian to make sure all the fraud address are still blocked and to make sure everything is in order on my credit file with Experian. Experian back in XX/XX/XXXX verified the police report and blocked several items on my credit file the was fraud, But in XX/XX/XXXX on my Experian Credit File the fraud address that were blocked are showing back up on my credit file with new car loans and credit card loan. Now of XX/XX/XXXX the police report that was update showing the fraud address on the actual report and which its the same police report i filed and Experian verified now says its a fake and it wasn't verified. I worked for XXXX  consumer Affairs for several years and have always heard that Experian Verif team is a joke! I honestly called the Police department up when i was one the phone with the lady From Experian and verified the police report. she stated it wasn't her problem and she agrees that the verifcultion team at Experian isn't good. I will attach all the police reports to this complaint and plus i got a email yesterday which was the XX/XX/XXXX and stated that the items i deputed were removed and blocked and all addresses were removed and blocked. Never happened. i want those accounts removed and blocked or ill go to the courts and civil action protect my rights, Credit bureaus must report good information not fraud information and the bank never needs to show any proof to have it unblocked, Thats against the fair reporting act. Remove now please

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 2019-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE  XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXX XXXXNOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
XXXX XXXX XXXX XXXXXX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank keeps declining me the pre approval doesnt make sense saying Ive been delinquent with past or present credit obligations but thats not true I have no card balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( # 1 ) On XX/XX/2020, i sent a document stating that i have flood insurance through my insurance company XXXX XXXX XXXX. Mr Cooper continues to charge me in escrow stating that i don't have the required insurance even though i showed proof with policy number and contact number of my insurance agent. 

( # 2 ) On XX/XX/2020, i asked to pay down my home loan to a manageable amount. Mr Cooper refuses to allow me to pay into my principle amount since they make money off interests. 

Contacted MrCooper by phone and sent numerous emails through their portal system numerous times as well as asked for help on their social media platform. 

Although they stated that they would help, i have yet to hear from them besides the usual verbiage of customer outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: Was not notified of investigation status or results

Complaint:
I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-08-17
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Short sale with Nationstar 1st and 2nd lien. 1st lien was set to be paid off in full and a short sale on the Nationstar second. Nationstar foreclosed on the property after giving the impression there was no foreclosure date and that they were in correspondence with the first lien. Extension to close on or before XX/XX/XXXX was issued on XX/XX/XXXX and Nationstar foreclosed on the property the same week on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: TX
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:
cra violation no score reported inaccurate information please fix this issue asap

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 2020-05-15
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom it may concern : I have student loans with XXXX ( lender : XXXX XXXX XXXX XXXX NELNET ( Nelnet Education XXXX XXXX XXXX Guarantor is XXXX XXXX XXXX ) the loan number is XXXX. 
I have been paying on my loan since XXXX, I have the following problems : 1 ) My balance remains almost the same. I have been trying to speak with a manager at XX/XX/XXXX which is almost impossible to discuss my problem. My full amount owing {$20000.00} give or take. I have been making payments since XXXX and there records show me making the following ( Payment / Principal / Interest 2 ) My Payments are due the XXXX of every month ; however I usually make my payments as soon as my statements become available usually 5 days before month end. I had signed up for automatically payments but if I did that by the time it got processes the whole payment would be applied to the interest and almost nothing to zero to the principal since I work in in financial institution this makes no sense to me. I tried to contact and have an amortization table but I had no luck getting it. 
3 ) When I make a payment the principal and interest rate which is 4.75 % is applied different each month.

4 ) I am also unsure of when my loan will be paid off since the balance does not change and I am unable to speak with someone.

5 ) There site is not user friendly, I am unable to locate a main person XXXX to assist. Customer service is very limited. 
6 ) ACS website allow me to see the total payment and before it was transferred to Nelnet I had requested to see all the payments onXX/XX/2017 but they had denied. 

In conclusion, I have being paying my student loans since XXXX but my balance is about the same. Since, I am in finance I wanted to see an amorization table where I can see how my payments are being applied to the principal and how much interest I am being charged each month. I have to get rid of the automatic payments or almost my whole payment will be applied to the interest so I always pay as soon as the new statement is available so my payment at least half of it or so it's applied to the principal of my debt. 

I had asked for the detailed statements to XXXX and Nelnet and received very vague answers. 

I hope someone can help.

Company response to consumer: Closed with explanation