BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Mr. Cooper Group Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As detailed in my previous CFPB complaint regarding XXXX XXXX, XXXX failed to pay my property taxes from my escrow account. My loan has now been transferred to Mr. Cooper, my property taxes remain unpaid, and I have been unable to resolve this issue with Mr. Cooper. The property taxes were due on XX/XX/2023, and I have been informed that my home will be referred for a tax sale if this issue is not resolved by XX/XX/2023. 

After spending many hours over a period of months trying to resolve this issue with XXXX and being assured that XXXX would make the payment, XXXX informed me on XX/XX/2023, that because it had transferred my loan to Mr. Cooper it would not be paying my property taxes as promised. XXXX indicated that it had reached out to Mr. Cooper regarding this issue and instructed me to do the same. I called Mr. Cooper that day and was told that I was not in there system. I emailed Mr. Cooper about this pressing issue that same day, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: Account information incorrect

Complaint:
All three credit companies, XXXX, Equifax, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRUIST FINANCIAL CORPORATION
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:
I have reached out to Truist XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with Truist being one of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

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 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment XX/XX/XXXX for my XXXX payment and capital one walmart credit card said they can't change the date and wanted the minimum payment of {$28.00} for XXXX payment. They received XXXX XX/XX/XXXX for the XXXX payment. I want my payment applied correctly I should not be penalized for paying early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created an account with RobinHood XXXX a few years ago and at one point the phone I used to create my account was compromised. I was not able to log in again because I forgot my password and started a ticket with Robinhood immediately. They asked me to provide information and decided that I was not who I said I was. I received mail by Robinhood saying that i would be penalized everyday i didnt update my information by XX/XX/XXXX so i contacted them immediately onXXXX. It is now XX/XX/XXXX and no response from them once again. I am very concerned for my tax refund if i dont have the proper documents and RobinHood is not helping me in anyway. I feel hopeless and helpess and I don't know where to turn to. I don't have money for legal fees against such a large company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I received a completed investigation from Transunion regard accounts that I requested to be deleted due to inaccurate and unverifiable information. Only XXXX of the accounts where deleted and the other ones where labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights 15. U.S.C 1681 section 602 A STATES I HAVE THE RIGHTS TO PRIVACY 15.U.S.C1681section 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, Remitly responded to my original complaint of identity theft and fraud of {$1800.00}. They stated they would be refunding me the {$1800.00} on XX/XX/XXXX, and it would take XXXX business days to be processed to my account. As a victim of identity theft, I've closed my bank accounts down. My bank stated if the refund was received, it would be returned to sender. I called Remitly on XX/XX/23 to try to request the refund be mailed to me as a check for {$1800.00}. The first representative wasn't cooperative, and stated they have no supervisors when I asked to speak to one. I hung up. The second representative tried getting a supervisor on the phone, but was unable to do so. She stated that a supervisor will call back within XXXX hours. This didn't happen. I would like a check for {$1800.00} mailed to my address that Remitly has on file from the fraudulently set up account since I am not comfortable with nor will furnish my new bank account information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: MoneyLion Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: AR
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:
This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX, XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX CV XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4300.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$110.00} XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX PXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRUSTMARK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We sent an ACH to a company XXXX  XXXX XXXX and XXXX XXXX on XX/XX/2023 in the amount of {$13000.00} the beneficiary was stated as XXXX XXXX XXXX and XXXX XXXX but Trustmark National Bank paid the money to a personal account and not to the beneficiary as named. It turns out the companies account was hacked and a fraudulent email was sent requesting payment to this account. as the beneficiary name was not a match the funds should have been returned and not delivered. the bank has to take responsibility to verify the company name just like on a check. My bank can not pull back the money without the receiving bank sending it. this is fraud and Trustmark Bank should have flagged it and not paid 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
First week on XXXXXX/XX/2023 -- -- making deposits small, nonetheless, my account was closed through email within first 10 day of 2023 Was willing to resolve -- -- account closed

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 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to fix this problem with XXXX XXXX XXXX XXXX Experian and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud

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 2023-01-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX Is being reported as late on XXXX but on XXXX its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX 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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX Is being reported as late on XXXX but on transunion its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX 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 2023-09-04
Company: Cascade CISS Holdings, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a a continuation of a problem that CFPB said was resolved on the word of the lender, XXXX XXXX XXXX XXXX, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that XXXX XXXX was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX XXXX pulled my credit the same day as XXXX XXXX pulled my credit or, who authorized this, because it was me. As a result, my XXXX XXXX dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know XXXX XXXX is XXXX XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Reporting company used your report improperly

Complaint:
I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XXXX/XXXX/2022 Amount {$770.00} This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX or charge off # XXXX, Account name : XXXX XXXX XXXX bank # XXXX Account name : XXXXXXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

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 2023-06-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SYNERPRISE CONSULTING is trying to collect {$9000.00} for a Medical Debt. I was not informed of back in XX/XX/XXXX for a medical debt for XXXX XXXX back in XXXX. They have included this collection in my credit report for 5 five years and have not given me an itemized list of the charges. 

I contacted the company several years ago to get information on this collection after finding out about this collection while setting up a saving account in XXXX, as seen is the attachments below. The agency did not give me any information other than the amount and where the collection come from. I did not get the right to dispute the charge or what are the charges. 

I was still not given any written information nor any type of bill about the charges after calling the agency. When I called in to the company, they asked if I would just like to pay it in full and I stated that I want written information about this debt.

Company response to consumer: Closed with explanation