BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to another servicer by Mr. Cooper to XXXX Mortgage but I was not given the required 15 day notice of this action. I have to stop payment to Mr. Cooper, download all my tax documents before I no longer have an account with them, figure out how to pay my new servicer, notify my insurance, ensure my escrow is still being funded properly, etc. 

I received one letter on XX/XX/23 indicating this process would be taking place by XX/XX/23. 

This is the fourth time my loan has been sold to another provider in two years. I never agreed to any of these transfers. It is difficult to track exactly who owns my house at any given day and to ensure I'm not receiving fraudulent information and sending huge sums of money to a bogus mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland LLC/ Encore has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm XXXXXXXX XXXX XXXXXXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SYNCB/GAP has incorrect information about my account being reported to the 3 credit bureaus. SYNCB/GAP states I was 30-59 days late in XX/XX/2020 on my account.However, I have never made a payment 30-59 days late.

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 2021-01-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out to Experian and XXXX  asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus Experian and XXXX  to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX Experian and XXXX  failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.

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 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX charge {$140.00} Amex acct XXXX XXXX Case # Amex XXXX I received a credit of {$98.00} for the above purchase of airline ticket I submitted 2 NOT FIT TO FLY certificates from doctor and hospital indicating medical reasons as to no travelling XX/XX/XXXX - mid XXXX due to ongoing XXXX XXXX  at hospital XXXX XXXXXXXX reimbursed me FULL $ refund under # XXXX booking XXXX XXXX XXXX This was one way going on XX/XX/XXXX I had a return ticket bought on American Express XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX for {$140.00} Why was I given partial refund of {$98.00} and not {$140.00} I wish to dispute the remaining {$47.00} charge and want a refund of this amount I do not know why inconsistency and as a travel platform they should be my advocate with airline for full refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-01-26
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
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 have disputed the account balance and that I have been late multiple times with both XXXX XXXX and XXXX. XXXX has most recently updated my credit report as of today XX/XX/XXXX to say I am behind XXXX dollars in my mortgage despite this being paid on time ( I paid XXXX 's mortgage on XX/XX/XXXX ). As of today, XXXX is claiming I am behind XXXX dollars and have marked this on my credit report. Prior to my last dispute they had marked that I was late for 2 years consistently! I have ben late in the past a couple of times past 30 days, but nowhere near this amount. I have been current on my mortgage if not paid extra payments for at least the last 6 months. This has ruined my credit ; I am not behind. I have contacted XXXX, and they keep saying they will call me back. The call center agent says they can not see where I owe any money and says I am on time. My statements also reflect that I am current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX, 2020 I was sent a text claiming to be my Bank saying I had fraudulent charges. After replying to the text I received a phone call. The number they used was actually my bank 's fraud line, but not actually them. They asked me about " recent charges ''. They stole my social security number and tried to Zelle  {$1000.00} from my account to another account. That other account used a cell number to collect the money which I still have ( XXXX ). After hanging up the phone when I realized something was wrong I called my bank to report all of this. I then called the credit bureaus to report that my social is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no communication from this company. No phone call, no letter, no email, nothing. But it appeared on my credit report as a derogatory account on XX/XX/2022 for {$2600.00}. This debt is being reported by this company now and the original company, also. So it looks as if it is two different debts for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX, I signed a 3-year lease for a XXXX XXXX from Tesla. On XX/XX/XXXX, Tesla sent a driver to my house in XXXX XXXX to pickup my leased XXXX  XXXX and dropped off a new leased XXXX XXXX. Because of Covid, everything was done online and remotely ; I did not have the option to return the XXXX  XXXX to the dealership or ask for an inspection of the XXXX XXXX I completed all lease payments toward the XXXX XXXX before it was picked up. 

On XX/XX/XXXX - 595 days / almost 20-months later - I received an automated email from Tesla saying my " XXXX XXXX XXXX XXXX Final Payment Is Overdue. '' I assumed it was an error and ignored it, but after receiving 2 more emails within 3-days, I emailed Tesla Payment Resolution and reminded them that I had returned the XXXX  XXXX in XX/XX/XXXX and had made all lease payments. That's when they explained they were charging me {$1700.00} for excess wear and tear and the disposition fee : curb rash 2x {$170.00} front bumper repaint due to scuff marks {$600.00} charging bundle {$450.00} disposition fee {$390.00} ( Tesla 's math doesn't add up ) I disputed all of these charges with Tesla as I returned the XXXX  XXXX in good condition and returned the charging bundle. As the XXXX XXXX has been in Tesla 's position for 20-months, and Tesla never notified me of any concerns or damage to the vehicle after it was picked-up, I believe that any now-reported damage was caused by Tesla employees, vendors or potential buyers - not me.

I have requested from Tesla a copy of the actual inspection report that was conducted when my XXXX XXXX was picked up in XX/XX/XXXX, but they have only provided me with a couple photos. I have also asked Tesla to provide me with proof that ( 1 ) the above listed damage was caused by me, and ( 2 ) the photos are of my old XXXX  XXXX, and not a different XXXX  XXXX, but Tesla has not provided me with any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view 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 2021-01-14
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: Account information incorrect

Complaint:
XXXXL XXXX XXXX balance {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2000.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

U.S. DEPARTMENT OFEDUCATION XXXX balance {$2800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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:
My Identity and information was stolen back in XXXX  since them many accounts have been open in the my name without my consent. 
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 explanation
Consumer complaint received 2018-03-13
Company: Choice Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Well on experience credit debt as far as the brief settlement it seemed to be that I put in my claim I have been breached my social security number had was breached from XXXX experience and Equifax and they having something no rewards yet and I put in my time and everything like I supposed to and police reports and they haven't did anything so I would like for you guys to make sure that I get my do justice I want come please on a dare policy I mean the rewards I mean I have been breached I should be getting a full of maximum amount I put in all my hours I put it in the data I gave them actually I gave them the report papers and everything but they haven't reached out they having something on check I don't know what's going on please help me out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX2020, I personally mailed a letter in regard to inaccurate and unknown information on my credit report directly related to the XXXX  data breach. It's been almost 60 days and I've yet to receive a response. I feel taken advantage of and dismissed by this lack of respect and consideration. Section 611 ( a ) clearly states that failure to investigate these items within 30 days is grounds for immediate removal. I demand a swift and prompt removal of all accounts disputed or I'll be forced to file litigation against all parties. Thank you kindly in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXXmy mom XXXX XXXX and left me her home that I was brought up in and the loan was in her name with XXXX XXXX bank I called XXXX XXXX bank to inform them of my mom 's XXXX  they told me I needed to do a loan modification to put loan into my name and have the home deed placed in my name which i did and was approved. I did 4 payments XX/XX/XXXX, XX/XX/XXXX/ XX/XX/XXXX. & XX/XX/XXXX. after that I rec 'd letter stating that my bank sold mortgage to Wells Fargo effective XX/XX/XXXX I made regular payments til about XX/XX/XXXX then I had Tenant issues from the home that I orginally had. I let Wells Fargo aware of my situation then my tenant husband passed away so I needed to evict her due to she could not afford rent that took about 2 months and then finally rec 'd a tenant. I found myself behind in 4 months so I tried to catch up. Then in XX/XX/XXXX/ XX/XX/XXXX Wells Farge asked me if I would like to apply for a repayment option I said yes, 2 months later I rec 'd call from an XXXX XXXX stating my payment plan would not be excepted gave me no amount just told me to start asking relatives for the money owed. I explained I have no living relatives. 
I explained to Wells Fargo t I will do my best to try to double up the payments. I have been making payments until last Month. As of XX/XX/XXXX I was going to pay them double payment they stated I could not make any payments that on XX/XX/XXXX my home has gone into foreclosure, I was devasted I rec 'd no letter, no phone calls, and no e- mails so needless to say I was blown out of the water. I asked why non of these options to contact me were done they stated they do not leave messages nor e- mails but every month I get a reminder when mortgage due. I called to complain to wells fargo and they just appologise. Now the amount owed on XX/XX/XXXX first was {XXXX}, XXXX as of today ; s date XX/XX/XXXX I now owe over {$70000.00} and they will not take a 4 month payment now they want it all in full I am trying desperately to work with them but they are refusing to give any help or assistance. I NEED HELP PLEASE. I don't want to loose my home.

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 2023-11-02
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Complaints Department, I am writing to file a formal complaint against Sentry Credit Inc for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide Sentry Credit Inc with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ).

The debt collector, Sentry Credit Inc, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations.

The following are the laws and regulations that Sentry Credit Inc is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.

Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.

Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).

As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by Sentry Credit Inc : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.

Remove any and all mentions of this debt from my credit reports.

Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.

I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that Sentry Credit Inc adheres to the laws set forth by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a previous checking account with Bank of America. They were killing me with insufficient fund fees for all kind of transactions. Because of these fees, the account was always negative and I had no choice, but to close that account. That was in XXXX. 
Two years after, in XXXX, I opened my actual checking account and it was also subject of all kind of insufficient fund fees. Now, that the law required bank of america to refund these fees to customers, I expect to receive all these fees back. however, for some reason the Bank never contact me or issue any type of refund to me. I know that I was a victim of that practice in the past and still a victim today before the bank stopped this exploitive practice. 
So, please help me recover all the money that Bank of America took from me. I am really in need and I have a lot of debt to deal with. 
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 explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MA
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:
Data breach. Extention of credit fraudulently. Meanwhile credit score too low for me to pull 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