BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
YOUR COMPLAINT Unfair mortgage modification complaint Against Mr. Cooper Mortgage XX/XX/2022 XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX This is an update of our complaint : Your office has requested to stay involved in this matter. 
TO WHOM IT MAY CONCERN.

As you requested that we give us updated on this case. As of now the sale date is the XXXX of XXXX. Mr. Cooper refused to grant us a modification, as was recommended by the court. The court ordered a modification on the loan. To enable us to safe our home. The court appointed a mediator. The court mediator did everything to have a workout. But the bank will not cooperate. The bank came up with a monthly payment of over XXXX XXXX  monthly. Knowing very well that is not practicable. The court mediator approved for us to go to the XXXX XXXX XXXX. We are now working with XXXX XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now has refuse to give us the time to finish the process. They have refused to change the sale date. The sale date is the XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX to be completed. XXXX XXXX is the agency that is set up by the government to help people save their home. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX dollar in their tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our resolution. 
Thanks, in anticipation. XXXX XXXX and XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: National Credit Adjusters, LLC
State: VA
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: Problem with personal statement of dispute

Complaint:
National Credit Adjust agreed to delete my account once paid in full they did not delete my account they just updated my account paid in full that was not part of the agreement once I did a pay to delete I want this account removed from my credit profile soon as possible I am trying to buy a house if I cant get it removed here I will file a complaint with XXXX  if unsuccessful Ill take it to court and sue to get it removed its paid in full so just removed it please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Old information reappears or never goes away

Complaint:
I submitted a dispute to Equifax to challenge inaccurate information in XX/XX/XXXX. I successfully won the dispute and the account was deleted from my credit report. On Saturday XX/XX/XXXX I received a reinsertion letter from Equifax adding the account back on my credit report. The account was put on my credit report effective XX/XX/XXXX. This is a violation of the FCRA. I was not notified within 5 days of reinsertion and I already had the account removed due to previous FCRA violations. I want the account once again deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: GOLDMAN SACHS BANK USA
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened high-yield savings with XXXX XXXX XXXX after the account was opened I attempted to move {$5000.00} out of the account. The bank declined the transfer and locked the account. When I spoke to them I told them " to transfer all my money back to my primary bank '' They said " they would within 1-3 business days '' Since I was locked out of the account I was not able to see the transfer. After 3 days when it had not shown up in my primary bank, I called them back. They then told me " they couldn't transfer the money to the primary account ''. That they would set up a 3-way call in another 1-3 business days with my primary bank. It is just another ploy to keep my money which is none of their business. I want to move the money to another high yield savings with greater interest rates. I can not do anything with the money while XXXX XXXX holds it XXXX. I need the funds released and put back into my primary checking and for XXXX to mind its own business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, On XX/XX/XXXX, I have opened a Citi XXXX Account package ( with new checking and savings accounts ) by using an online promotion of receiving {$700.00} and met all the criteria of the promotion to deposit {$50000.00} new-to-Citibank funds into the checking or savings account within 3 days of opening the account. I had taken that promotion and opened the account over the phone with a Citibank customer service ( Note- promotion I can see even now ongoing ). Till XX/XX/XXXX I was asked to wait in order to receive the {$700.00} fund credited to my account and I had called 2-3 times on XXXX, XXXX and XXXX and everytime the customer agent confirmed me that I had met all the criteria for the promotion and I should receive the bonus fund. In fact, they always asked me to maintain the fund and not to move my deposit so that I get the promotional credit. Suddenly when I requested to report a case on XX/XX/XXXX, Citibank team came back to me stating that there was never a promotion applied to my Citi account package and I will not be getting any promotional credit. On XX/XX/XXXX, I spoke again with their customer service agent and got the same response. I have maintained that high balance for past 7 months for no reason, so I'm really frustrated now and feeling helpless. So I am requesting for any help or support in this matter if possible. 
Thanks in advance.

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 monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: GA
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-09
Company: EQUIFAX, 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:
Someone stole my identity and opened this account and I need it removed, I filed a report with Identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I told the company that I couldn't afford the payments and fix the car. Car dealership had went out of business.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.

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 2018-04-04
Company: EQUIFAX, 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 have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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:
Fraudulent inquiries.. All inquiries are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I just received a Walmart MasterCard in the mail issued through XXXX XXXX that I did not apply for. Today is X/XX/17. Even though it says that I have to call to activate my account, anyone could have stolen it and activated it in my name. I want this practice to stop immediately. I am also going to file a complaint with the BBB.

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 2017-08-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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 2017-08-16
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: Account information incorrect

Complaint:
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/18 XXXX XXXX made an unauthorized, fraudulent hard inquiry to my Transunion report. Attaching my police report for related identity theft/fraud. Transunion instructed me to contact each company making fraudulent inquiry on my report individually.

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 2022-02-07
Company: DISCOVER BANK
State: PA
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:
When signing up for a secured credit card I had to put {$300.00} down on the credit card in order to receive one. The company is called discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX  Card services XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXX Bank XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Wrong Names such as XXXX XXXX all of this information is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on XXXX and I will attach this file with this complaint.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-07
Company: Avant Holding Company, Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered my Avant credit card issued by XXXX missing from my wallet after I logged into my online account and saw six unauthorized transactions. I immediately called Avant customer service on XX/XX/XXXX to report my credit card lost, and to have a claim filed for the unauthorized transactions. I told the customer service representative that the card was lost, but I didn't remember the last time I saw the card, or, at what location the card was lost. The claim was made and submitted to Fraud Management Services. I then received a letter dated XX/XX/XXXX, which informed me that I couldn't be reached by phone, and that I needed to call the Office of Fraud , Research, and Investigations at XXXX Ext. XXXX. The letter stated that information was needed to investigate the alleged fraudulent use of the credit card. I left a voicemail for the representative investigating my case at the extension above, and the voicemail greeting said my call would be returned within 24 hours. However, I didn't receive a call. Nevertheless, I did receive a second letter dated XX/XX/XXXX, which stated Avant had begun a review of the fraud claim, and I would be contacted if additional information was needed to resolve the disputed charges. A third letter dated XX/XX/XXXX was received, and had the same wording as the XX/XX/XXXX letter informing me that I couldn't be reached by phone, and that I needed to call the same phone number and extension as above. Also, the letter stated that I needed to respond by XX/XX/XXXX. I left two voicemails, and I did receive one voicemail from the case worker on XX/XX/XXXX. I returned the call on XX/XX/XXXX, and then made numerous calls through XXXX, leaving a voicemail each time, but never received a return call. The last letter I received from Avant was dated XX/XX/XXXX, which indicated I had notified Avant of suspected unauthorized transactions on the account in the amount of {$480.00}. The investigation was completed, and there was a determination that the transactions were authorized and valid based on the information received in the investigation. Therefore, the transactions would be re-debited to the account and appear on the next statement. Since receiving that letter, I've left four voicemails at the same number and extension, but haven't received a reply. I've enclosed all the correspondence letters received from Avant, and the statement showing the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Attempted to obtain SECURED credit card to establish credit. 
Applied for card which requires {$300.00} deposit to obtain card. 

I was declined the card because : " Your debt to income ratio exceeds established maximum guidelines ''. 

With a SECURED card my income to my understanding should not come into this at all. 

I have student loans which are in deferment and HAD an outstanding cable bill of {$110.00} which I resolved XXXX 2020. 

I called the company ELAN FINANCIAL SERVS. asking for reconsideration and was refused. The individual I spoke with would not clarify why I was refused. 

The letter I received from them dated, XXXX/XXXX/2020 has a reference # 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 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
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 remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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