BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Mr. Cooper on XX/XX/2021 at XXXX, I spoke to a XXXX, she stated that she will file my complaint to the 'dispute ' department and that I will be receiving an email within 24 hours. 
No email was sent to me, therefore, on XX/XX/2021 I spoke to a XXXX and she told me that Mr. Cooper will be sending me a letter with an explanation of the dispute complaint filed. Today is XX/XX/XXXX, and I have yet to receive an email and or a letter from Mr. Cooper. In the interim, I have filed a dispute with XXXX  and XXXX  credit reporting agencies, of the false reporting filed by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My niece traded her vehicle in, last year. I was the cosigner. The dealer she bought her next vehicle from, paid off the remaining balance. Ford is still harassing is for the money. Everytime they do, they hit my credit score for over 60 points each time. So far, it's over 150 they hit me for. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was offered a settlement amount of $ XXXX monthly payments. After I gave the man all the information for my bank account he then told me he could only do 12 monthly payments of {$400.00} instead of what I was originally told my payments would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Nelnet, Inc.
State: MN
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Ive never been late for my best buy credit card citi bank, I just got out of a relationship and I was in the transition of getting a new job, and im struggling I just recently graduated and taking care of my kid on my own. I will pay all the balances on my card in full. I need to make sure the one time late payment will not affect my credit score. I will pay this card in full, I paid this card on time every month this is the first time Im really late. Please remove it off my credit report. This will be paid in full.

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 2023-02-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, XXXX, and Equifax. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my XXXX XXXX and Equifax are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
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 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 an account without my written instructions I have asked for verification of contracts or relationship with these companies and Equifax is unable to provide such evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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:
XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/2021

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 2022-10-01
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance of Federal law FDIC " Holder In-Due-Course-Rule '', Federal Trade Commission Act ( Section 5 ) Yamaha Motor Finance Corporation U.S.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in violation . 
Upon my records, I, XXXX XXXX, finds Yamaha Motor Finance Corporation, U.S.AXXXX to be " Unjust Enrichment ''. 
As it is evident, I strongly disagree and REJECT any agreement ( s ) I've signed as I'm aware it violates my rights. 
XXXX XXXX ALL RIGHTS RESEVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2021 I send a letter to TransUnion to validate and delete XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2021-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 {$3500.00} transferred using XXXX. 

I received the fraud text and a call from Bank of America. 
I noticed {$1.00} that was taken out without my consent. 
They also told me that there were {$3500.00} worth of transactions took place, but it won't show on the statement due to the activity taken place at different city with different time zone. 

In order to reverse the matter, they told me to transfer the money through using XXXX to my name with my phone number. 

After taking the action, I called the bank. I found out the whole thing was a fraud. 
I filed the claim right away.

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 2016-08-28
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The account information being reported to credit bureaus is inaccurate and misleading.

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 2022-10-01
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When Harris and Harris called me, they did not tell me who they were and why they were calling. They asked for all personal information, I give them my name and number and asked " what was the reason for this call? '' The girl told me " I can't tell you that until you verify your identity. '' I said " you never told me who you were? And I don't know if this is a spam call '' and she said " I can't tell you until you verify your info '' so, I hung up. 9 days later a I received a letter from Harris and Harris. I contacted them 3 times within my 30 days about this debt. They have never called me back or emailed me back regarding a debt. I know after the 1 st initial call, they have 5 days to send me a letter and it's was 4 days past due. I asked them to forgive the debt since they haven't made any contact with me since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I brought in a check at Bank of America and they took it and deposited it, they said that I should have my money by the next business day. Hours later I received a hold on my account and they claimed placed a hold onto my because of suspicious activity or concerns they check would not clear. I work for the XXXX XXXX XXXX XXXX and brought in a clear ID of my work ID. The check is clearly not fraudulent. They have placed a 7 day hold and will not let me access my funds not even partially.

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 2021-07-24
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler XXXX is reporting my Vehicle loan as charged off and closed on my credit report and late payments when my vehicle loan is still current and active. I pay monthly on this vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I keep getting loan offers an cars approved loans tellamarketers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed a dispute to Transunion dated XX/XX/2016. Since that time I was under the impression that my disputes were being investigated but I received a letter from Transuion a few days ago dated XX/XX/2016 informing me that they needed proof of identification when I sent in with my dispute.

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 2021-07-24
Company: Skrill USA, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is about Paysafe USA on XX/XX/21 at XXXX. 

I went to a XXXX XXXX kiosk and sent money to Paysafe. I paid the man at XXXX ( kiosk is in most XXXX  ) for my paper ticket with a 16 digit PIN number which acts as a virtual prepay to buy gaming services. However the receipt did not have a PIN number. It was missing along with the serial number of ticket which is just below PIN NUMBER.

There wasnt a printing error or XXXX  malfunction. I know this because XXXX XXXX can confirm the transfer went thru.

The ticket is simply missing the pin and serial number. I am out {$50.00} because of this. I have a picture of the ticket with missing numbers and an older ticket to compare it too. The other ticket is one I used the balance up.

I have circled where the numbers should be & I have drawn an arrow to the numbers on the other ticket.

This isnt rocket science I got them dead to rights. All calls to them and emails are ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received 4 separate email notifications on my XXXX account regarding an attempt to create an Online Account with Bank of America. Thus far, Bank of America has not been responsive in addressing the fraud. The phone number in the email notifications leads to an automated voice service that requires account information, which I do not have, as I did not attempt to open an account with Bank of America.

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX satisfied judgments reporting on my transunion credit report. I have been disputing this wrong informaiton for months now and getting nowhere. They have been removed as they should have been from XXXX and XXXX however transunion just keeps updating the wrong information and will not remove it. My first issue is that XXXX NEVER had XXXX judgments. It was only XXXX judgment and as I mentioned earlier it has been satisfied. This was years ago. Having XXXX judgements reporting on my credit report is affecting my credit score and causing a hardship in obtaining substantial credit. I 've called transunion and submitted over the phone as well that I am disputing this information and it has been confirmed to remove off my report. Last week I received a letter from transunion that the information is reporting correctly. This is completely untrue. I called again and explained that they have been removed from the other XXXX credit reporting agency 's I was told they do not work together. That 's not the answer. I am furious at the fact that there so called investigation is complete. These XXXX items ( which is really only XXXX ) should be deleted from my 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 2021-07-24
Company: EQUIFAX, INC.
State: IL
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 name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NY
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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged

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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had disputed XXXX accounts in which one was an inquiry and the other was an account. This request was completed on XXXX XXXX, 2017 in which all of my hard inquiries were removed ( XXXX accounts including the one I was disputing ). I noticed however, XXXX hard inquiries were reinserted back onto my account without any written or literally ANY notification to myself. The only reason I discovered the change was because of I monitor my credit through XXXX XXXX and seen a severe XXXX point drop in my score. 

I reached out on XXXX XXXX, 2017 to TU and spoke with a rep name XXXX to explain the reason for my call and was immediately told I would need to purchase a TU credit report for {$9.00}. I explained again the reason for my call ( the deletion and reinsertion of the inquiries and the score drop ) in which he first admitted a system glitch had occured. When I questioned why I would be obligated to purchasing their TU credit report for a mistake they caused, he became defensive and claimed he never said there had been a glitch and directed me to contact the companies individually to dispute each inquiry. This was very heartbreaking and insulting. 

I requested his supervisor and was transferred to a woman who stated the glitch was being investigated and to check again in a week. I informed her the most recent credit activity I was looking at had been over a week since their glitch, with no changes to my credit score. She then informed me that I would need to purchase a TU credit report to see their findings in which I requested her superior. I began to lose faith in TU after this continued byt knew I had to stand for what was right. 

I was then informed I would be transferred to her supervisor in the US. The last rep I spoke with informed me that the deletion and reinsertion should not impact my score significantly and that I further investigate. Feeling as though I had struck a brick wall with each rep, I gave up and decided to reach out to you for help. 

If TU would have owned up to their glitch and provided me with written notification of what happened, I would have understood but to first admit it, then insult me by stating I was never told there was a glitch and try redirecting me to other parties while attempting to strong arm me into purchasing a credit report for a mistake that they made -- is UNHEARD OF and downright belittling.

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 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. Thank you.

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