BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After the bankruptcy discharge the bank that I have the mortgage at, Mr. Cooper, stated that they never received my money. I have a statement from the Office of the Chapter XXXX Trustee XXXX XXXX. XXXX, saying that the money was deposited. However, my mortgage bank Mr. Cooper says they dont have the money. 
I had called Mr. Cooper multiple times and they were not able to locate the money. I also, had my bankruptcy attorney contacted them. Unfortunately, after a year of trying I am in default, no one can locate the money I paid, no one has any answers for me. I am afraid of eviction any time. My statement shows that I still owe them money but already I paid $ XXXX, and no one knows where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

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 2019-11-22
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2017 my son, a resident of XXXX, died in XXXX. He had opened an account with US Bank in the State of XXXX. To retrieve his funds I was told to submit small estate affidavit and death certificate to the bank. The small state affidavit from XXXX  and death certificate from XXXX  were submitted but bank refuses to close account. They argue a small estate affidavit from the county of death is required from XXXX. On contacting the State of XXXX  Courts was told the XXXX  form is sufficient since US Bank does business in all 50 states ( including internet ). 

US Bank is putting unnecessary obstacles in the way of retrieving my deceased sons assets. I have an account with US Bank and I live in Texas! US Bank is NOT just an organization in Oregon! Even the state of Oregon agrees with me that the Texas forms are perfectly adequate for this action. 

US Bank is trying to literally make a federal case out of retrieving my dead sons accounts. The loss of my son is enough grief without USBank adding to it!

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 2017-08-14
Company: Synovus Bank
State: TX
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:
On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i bought a used XXXX XXXX XXXX onXX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Information belongs to someone else

Complaint:
Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ).

I will also make know at this time that neither XXXX, XXXX, nor Experian can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, XXXX, and Experian verifies, must be done so under oath in the presence of a Notary. 

XXXX, XXXX, and Experian are corporations and lifeless, soulless, entity, they do not have the power to verify any information.

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 2019-10-15
Company: LCO Financial Services, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Very high interest rates. ( 471 - 841 % ) When I click on the loan document. It always gives me an error page. And it still shows I owe a lot. If I go by the payment plan. I would pay over XXXX on a XXXX dollar loan.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or 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 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

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 2019-10-15
Company: EQUIFAX, INC.
State: GA
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:
Step 1 : What is this complaint about? This complaint is related to a problem with XXXX  and Equifax displaying a public record ( bankruptcy ) inaccurately on my credit report. 

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA, which is the issuer of data on my XXXXXXXX and Equifax credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies. 

Step 3 : What happened? I then reached out to XXXX   and Equifax disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my Equifax and XXXX credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or XXXX and Equifax, XXXX XXXX, XXXX, and others. 

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of XXXX, Equifax, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
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: Was not notified of investigation status or results

Complaint:
Due to hardship financial situation and XXXX in the family at the time, it shows that I have late payment ( s ) for XXXX XXXX and XXXX. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

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 2022-06-13
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Credit Corp Solutions Inc. for committing identity theft. I have never given Credit Corp Solutions Inc , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Corp Solutions Inc, Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Corp Solutions Inc. continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions Inc, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-01-13
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of the West : On XX/XX/2022 I was charged XXXX overdraft fees for transactions that did not overdraft my account. 

On XX/XX/2022 I was charged 2 overdrafts that did not overdraft my account. 

On previse dates I was charged overdrafts and fees that did not overdraft my account. 

I tried to resolve this with them over the phone and in-person with the bank manager and I was told that there was nothing that they could do, but that it was " Just their System ''. The Bank Manager said she could see exactly what I was talking about as it was simple math, but could not do anything.

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 2022-02-02
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

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 2022-08-26
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: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

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 2018-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Due to hardship financial situation and death in the family at the time, it shows that I have late payment ( s ) for Capital One and Kohls. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).

Company response to consumer: Closed with explanation