BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have Mr. Cooper home loan which was transferred from XXXX. Now the loan is fully paid off. It's been worst experience dealing with Mr. Cooper where i got absolutely no help for anything. 
I have no statements from prior loan servicers ( XXXX ) -requested Mr. Cooper - they never shared with me. 
There is a {$45.00} - unapplied funds- i was told that within 30 days - I will be getting a check for that. nothing came. 
It seems that county recording fees is being paid on 3rd XX/XX/XXXX. But no further communication from Mr. Cooper. 
For more than 2 years - my online amortization schedule is not made available to me. 
I have no idea how much mortgage interest i paid for this property for these 6 years i.e. from XXXX to XXXX. Asked at least 10 times to Mr. Cooper- but no response. 
I have no idea how much mortgage interest i saved by prepaying the loan in the first 6 years. Asked at least 10 times to Mr. Cooper- but no response. 

Every time I open a CFPB complaint, Mr. Cooper takes it's sweet time of 30 days but then a good for nothing response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2021-10-13
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed a copy of my credit report and noticed this company is reporting to the CRA that I owe them a debt. I reached out to the company on various occasions for validation of such to which they have yet to provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: DC
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 write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX  's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.

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 2022-09-15
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a military XXXX who has been assigned overseas with my dependent. I've arrived in XXXX XXXX and need funds for our livelihood. I've been trying to move funds out of my citi account for this exact purpose but they have been impossible to work with. ACH Transfer limit is set at XXXX per month and if I were to transfer a larger amount, the representatives keep stating the only option is Wire transfer with an unavoidable fee. When I try to make the wire transfer, the website states my access has been blocked and to call customer service. When I call the customer service, I spent an hour with the wire transfer technical support who could not help me. After I was referred to the fraud department, I waited another half hour to hear that there's nothing they can do and I need to talk to customer service again to discuss my options on other types of transfer. In all these activities, I kept being restricted and blocked and ended up spending more than XXXX XXXX. My wife 's account has the same issue and the bank has restricted her wire transfer to herself. I just want my money so that I can use it to get an apartment and a car in this new country and citi has been anything but helpful in this process. I really want to move my money asap and close my accounts in Citi.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 


U.S Code, 15 U.S.C 1681et seq, Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge you to demonstrate the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewhere delete the alleged inquiries immediately.

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 2023-07-15
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: 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.

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 explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: CO
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, creditors XXXX  XXXX XXXX, Discover, XXXX, XXXX XXXX and XXXX XXXX  have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I bought a visa gift card of value {$500.00} in XXXX  ' food on XX/XX/XXXX and found that someone else registered my card already and made several unauthorized transactions of total value more than {$400.00} on XX/XX/XXXX and XXXX. I called XXXX  ( US Bank ) to request a replacement card and dispute the unauthorized transactions. As requested ( CID number XXXX ), I faxed my valid government ID, front/back of gift card, and original receipt of purchase to prove the ownership of the gift card on XX/XX/2021. I was told by the agent via the phone that they will respond within 3-5 business days by mailing a replacement card and helping me to handle the unauthorized transactions. However, until of today, after 10 business days, I did not get any response from US Bank regarding whether they get my request approved and whether they have mailed the replacement card or not.

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 2021-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to close the escrow account that was opened by Fifth third bank as I am not required to have escrow. I am currently paying ( in advance ) my own taxes and insurance Fifth third bank is requiring me to maintain a cushion which is not a requirement of my mortgage agreement, they're also falsely reporting my payments as late and not applying my mortgage payments to the account my loan agreement allows me to pay my own taxes and insurance which I am currently doing, they're in violation of the loan terms and agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/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 2023-06-12
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

XXXX XXXX have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 explanation
Consumer complaint received 2023-06-16
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2020 I agreed to purchase a XXXX XXXX XXXX XXXX through XXXX XXXX. I was able to finance the vehicle for a purchase price of {$9700.00} through a company known as XXXX XXXX. I made my payments monthly to XXXX XXXX at a rate of XXXX XXXX. In total, I have paid {$110000.00} on the vehicle. At some point XXXX XXXX went bankrupt and sent the remainder of the interest payments to Westlake Portfolio Management with no notice. I did not sign any agreement with Westlake Portfolio Management, nor did I know it was a debt collector. I continued making payments on the vehicle up until last month. The vehicle is unable to function due to a part that has been discontinued by XXXX ( part number XXXX ). Without the part, the vehicle has been deemed unsafe to drive. I would like to settle out this account with the amount that has been paid on it, as I have already paid {$2000.00} in interest for a non-functioning vehicle. The company refuses to settle, so I would like to dispute the charge as I do not have a legally binding agreement with Westlake Portfolio Management. Please advise on how I should proceed. 

Thank you, 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 2023-06-12
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called them this year. When my bankruptcy was discharged they put this charge on my credit report. I called the company many times. You can only leave a message. They never called back to talk to me about the fraud. XXXXXXXX XXXX XXXX said they sold it it was no longer there problem. I didnt have any information on the account because it wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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, creditors Bank of America, XXXX, XXXX, XXXX XXXX and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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: EQUIFAX, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The following accounts have been previously disputed through the proper channels and are the result of fraud and/or improper reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This account is duplicated on report XXXX times, with different information on each account. ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Proper information was not provided to me within the 30 day period for the validation of these accounts.

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 2023-06-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Please see attached for proof of discrimination, fraudulent activity relating to discrimination based on zip code/poverty level and proof of intent to defraud acted by Discover. 

Discover closed my account prior to the year contract for no reason in an attempt to charge additional fees and interest rates that were never outlined in any contract. Discover perform actions that caused me severe harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation