BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my 2nd Complaint against XXXX. As of this complaint they have still not applied my XXXX payment for XXXX properly which has acquired a late fee. By them Not applying my payments properly this has Also produced a Deficit in my escrow, Also I'm paying pmi insurance which i no longer need.I have been patient and tried to work with them to rectify this situation, this is my 2nd complaint. the uploaded information will show i have paid my mortgage on Time every month, Their INCOMPETENCE has led to total Kaos and confussion.I 've even asked for them 2 Sell my mortgage. if they review the attached documents they will see where Their Incompetence has cost me both Time and Money. After this complaint, I will be retaining an attorney to sue, Expose them on social media for the Frauds they are, alert every news station possible for an investigation in to their practices.I 'm tired, We are in one of the worst crisis and they are to XXXX  to properly apply a simple mortgage payment that was coming every 2 weeks? I changed XXXX payment to 1 and sent it at the the end of the month, as the document will show IT WASN'T applied properly meaning the xtra 100.00 is Unnapplied. Call me talk to me, lets go Over my payments from the start and assess my escrow and fix this, Please? I promise I'm Not Going away and you will be exposed for the frauds you are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}

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 non-monetary relief
Consumer complaint received 2017-02-17
Company: Universal Recovery Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Other

Complaint:
I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: OK
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:
Equifax ; XXXX and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit. They have no rights to my note and mortgage and have created assignments and other documents to claim mortgage ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: DriveTime
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
Starting from the date of XX/XX/2022 I sent investigation letters to credit bureaus. I requested to " investigate every piece of information '' of multiple accounts that I will list below. ACCOUNTS WERE REMOVED AND IMMEDIATELY PLACED BACK ON MY CREDIT REPORT, So I have also attached copy of tracking numbers from sent letters and copy of credit report. According to the FRCA 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With that law being QUOTED, the bureaus stated that their investigation of accounts were verified, but how is that possible if there wasn't a proper investigation according to the law stated in above paragraph. And as a result, every piece of information on these accounts are not reporting one hundred percent accurately. FRCA 15 USC 1681 ( e ) STATES, EVERYTHING HAS TO BE ONE HUNDRED PERCENT ACCURATE. WHICH NEITHER OF ACCOUNTS, THAT WILL BE SEEN BELOW IN DOCUMENT UPLOAD SECTION IS NOT ACCURATE

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 2016-06-28
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was advised by a representative at Seterus they cant guarantee I would get reviewed for the principal reduction program my lender started to participate as of XXXX XXXX, 2016, because of my delinquencies and defaulting on a previous modification! I have written a detailed letter of explanation along with the guidelines and the letter Seterus has send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Th e American Express Platinum Card  offers  5X  the points if the consumer purchases airline tickets from  American Express Travel Services,  which is fine by me. But then, the card also extends these benefits if the consumer purchases their airline tickets DIRECT from the airlines as well. The first part in my opinion is fine. The second part is a restraint of trade and unfair competition with third party licensed and accredited travel agencies. It gives an unfair and monopolous advantage to Airlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit bureaus stated my account is as properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.

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 2022-08-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan is $ XXXX. The interest is $ XXXX for a total of $ XXXX. How is this legal? I just found out after 30 years that each time a loan changes in format, the interest capitalizes. This was never explained to me. For years, Navient and SAllie Mae have outsourced to people in XXXX to answer calls, who never explained this properly and I couldnt even understand due to their language barrier. Navient also allocate payments 70 percent to interest instead of the base. No company does this! This debt is preventing me from helping my son XXXX XXXX XXXXXXXX! for a place to live. This is the second time I am complaining. Why dont the politicians look into the ridiculous interest leaving people in debt? How is this legal? Bad business practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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:
On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to Experian and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX  XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted Experian to dispute this over the phone and its still on 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 non-monetary relief
Consumer complaint received 2020-09-26
Company: CL Holdings LLC
State: WV
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 opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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 my XXXX XXXX Credit Card Experian shows I am 60 days late making my payment. I made my XXXX payment XXXX payment as well as my upcoming XXXX payment. 
I disputed this with Experian then disputed their results sending them my XXXX XXXX Credit Card statement. It still has not been updated to show I am current on my payments

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 2015-10-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I entered the XXXX XXXX XXXX website to book two hotel rooms. Those hotel rooms totaled a purchase of {$540.00}. In my " Summary of Charges '' the XXXX site indicated " Get the Marriott Bonvoy Boundless Credit Card and receive a {$250.00} statement credit after first purchase ''. Initially I thought, " Ok, well they'll credit me if i purchase something later, I'll pass. '' But then to the right of this there is a breakdown of charges that displays the stay total of {$540.00} less a {$250.00} statement credit, equaling {$290.00} Total after statement credit. I then thought, " No, this will obviously count as my first purchase, according to my summary of charges I'll receive the credit towards this first purchase, what a deal .... ''. I'll also point out that this rate was for a Bonvoy Rewards member which the advertisement indicated i would automatically be enrolled in after credit card approval. I then proceed to move forward with the application, I was approved and then suddenly the next screen indicated there was an error and I could not move forward. So now, I have no way of completing the reservation, no rewards member info to book the room at the discounted rate and no way to purchase the booking with the card XXXX just encouraged me to apply for with their wonderful statement credit. So I call the number associated with XXXX and they tell me there's nothing they can do, I'll need to call Chase. I call Chase and that's when they advise that no, you can't book your stay with your new account so that you can receive the credit we've just promised you through our deceptive marketing and no we're not sure how you book on your existing credit card to receive the reward member rate. I ask for a supervisor and am transferred to XXXX an Account Supervisor who I respectfully requested two things. To immediately close my account which she obliged. Secondly, to have the credit inquiry removed from my credit report through all three of the credit bureaus since that inquiry was the result of their coordinated and deceptive marketing with XXXX. She advised she could not. I then asked her if Chase has an executive complaint office that I could be forwarded to and again she advised no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital One # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by Capital One representatives for an account that is not mine and should not be on my credit nor do I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Account status incorrect

Complaint:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXX/XX/XXXX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XXXX/XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I detected in the Transunion credit agency an unauthorized authorization since I have not signed for that inquiry to be made, therefore I request the elimination of the same since for me it is totally unknown and my empirical affection. The unknown company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Phone number not available We appreciate you removing it as soon as possible. Thank you. 
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 explanation
Consumer complaint received 2020-09-26
Company: Vanguard Financial Services, Inc.
State: WV
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 moved from XXXX XXXX in XXXX of 2015. When I left the complex, management said that they would keep my XXXX deposit and since there was only a month left, would not hold me to the lease. Additionally, my XXXX son and spilled bleach on an area of the carpet that both maintenance and management were made aware of. Both stated that it was time for that carpet to be replaced and not to worry about it. I never heard anything from anyone at XXXX XXXX. An acquaintance whose mother works for my ex husband took a position at XXXX XXXX after I moved from complex and this person abused their power and position and created a debt that never existed. As soon as this person took a management position with XXXX XXXX, she reported an erroneous amount of XXXX to Vanguard Financial Services four months after I had moved. I have disputed this with the credit bureaus and every dispute simply comes back in an expedited amount of time as " complies with FCRA '' which is does not. This is harassment and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: IL
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 continue to get emails and letters from credit card companies and loan companies that I never applied for. I have multiple hard and soft inquiries that is hindering my credit score. I also received a settlement letter for a loan that I did receive or apply for.

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