BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have spent a frustrating portion of this summer attempting to obtain a full accounting of the servicing of our loan and a payout figure effective XX/XX/XXXX. Over the past 3 months, we have spoken to multiple representatives at Mr. Cooper and have sent numerous inquiries through the Mr. Cooper website in an effort to obtain accurate Information. Each time, we request to speak with a supervisor and they have yet to be available or return out calls. Twice we were disconnected after waiting for more than 45 minutes to speak with a supervisor. 
On XX/XX/XXXX, we received an email from the Subordination Department attaching a schedule showing a {$160000.00} balance and a XX/XX/XXXX maturation date. On XX/XX/XXXX we received a second email from the Subordination Department showing a {$44000.00} payout balance and a XX/XX/XXXX maturation date. The following week we received yet another document, dated XX/XX/XXXX reflecting a payoff balance of {$160000.00}. Not only are these values egregiously inaccurate and embarrassingly incongruous, we still havent received the full accounting for the loan that weve been requesting since XXXX. 
Since this loan was originated, we have made an additional monthly payment of principal only in the amount of {$250.00} each month. These extra principal payments should have significantly accelerated the payoff of this loan, but Mr. Cooper shows no evidence that these payments were properly applied and accounted for. Clearly, we have lost all confidence as Mr. Cooper has demonstrated that this loan is being mismanaged and improperly accounted. 
As we continue to be ignored by upper management and receive conflicting information, this correspondence constitutes our final effort to obtain a full and proper accounting of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX vears. 

15 U.S.C. 1681s-2 ( AX1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank processed an insurance claim check on XX/XX/2019 with directions on file to payoff the loan the refund the overage from the claim. 

Check was cashed and loan was paid off as evidenced by the refund of the tax and insurance escrow account. 

US Bank stopped payment on the escrow check and reinstated the loan without comment, direction or reason. 

Multiple calls to US Bank over the course of a month produced no result. Some employees were able to see documents. Others claimed no documents existed, including the death certificate for the borrower, the executor documentation for me, and the letter requesting the payoff. Some employees also claimed the insurance check was never cashed when in fact it had cleared the bank for the insurance company. 

US Bank claimed to be sending a check for the {$37000.00} in overage from the insurance after full payoff of the loan. Instead they sent a check for {$68000.00} directing that the funds be used to rebuilt the house. When called about this latest error, the US Bank employee said the check had to be deposited and that we would need to produce certified funds to send the US Bank 's money back to US Bank. That was not acceptable because the letter accompanying the check clearly stated that cashing it meant there was an obligation to rebuild the house. After demanding that US Bank figure out how to void their own check issued in error, the employee simply hung up on me. 

Because US Bank has held this money in error for more than 30 days, they are also sending default notices. This despite the fact that they are in possession of a full payoff, {$37000.00} additional funds and {$3200.00} in escrow that are required by TILA to be refunded to the borrower within 20 business days of payoff. 

Currently, they are again saying they will process this as a payoff but needed to update the payoff since it was only good through XX/XX/XXXX. When I advised they have had the money and request to payoff the loan since XX/XX/XXXX ( with XXXX confirmation of this ), US Bank stated they did not know and could not control what a payoff statement might show. When I said it would clearly show more than a month of additional interest, they said there was nothing they could do about that despite the fact that they now acknowledging they had everything required to process the payoff on 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 explanation
Consumer complaint received 2022-08-27
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 my now husband and I were in a car accident where I was the passenger. I believe the company that reports these things is called Lexis Nexis and they reported the accident under my name and now I am in jeopardy of my insurance being non renewed. I have tried to call the company several times and as soon as I give all my personal information the line drops. I have sent out a letter of dispute as well. I would like for them to update my driving record as this is not my incident and I should not be penalized for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$5100.00}.

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 explanation
Consumer complaint received 2023-04-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want to complain about CIT Bank. They offered great saving account interest rates. When I tried to open the account on XXXX XXXX XXXX and XX/XX/23. It took all my personall unformation, ( including SS # and mothers Maid name ) then gave me a message that they " regret to inform me, we have elected to not open a bank account for you at this time ''. They gave me no explanation. I called to open an account on the phone and they told me that they have algorithims ( that he is not familar with ) that screen application. 

I gave my personal information and got no assorances that this information is being held confidentially. I think its wrong what this bank is doing. Asking for personnal infomration taking it and then when all is said and done not even saying that my information will be held confidentially. Also I should not why I am not being allowed to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX  BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: VA
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:
an account XXXX is XXXX balance on my credit report with all 3 bears but I paid it in a settlement I have proof that it is was Paid for you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Investigation took more than 30 days

Complaint:
XXXX I asked Experian to investigate the closed Department of Education accounts, the closed XXXX XXXX account, the closed XXXX account, the three closed XXXX XXXX XXXX accounts. These accounts are not 100 % accurate and have negative and derogatory marks reported to my credit report. Experian did not investigate nor do a proper investigation. My rights are violated and these accounts need to be deleted. I'm providing tracking information and credit report showing multiple errors.

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 2022-04-04
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just received a letter that I have a debt collection for {XXXX} from XXXX XXXX with the letter head mentioning the reference date of XX/XX/2022. The debt is from XXXX/XXXX/XXXX. I never had any contract, bill, service with XXXX XXXX. Do not know where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX  XXXX , Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 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 2023-05-24
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Global Lending Services ( GLS ) in regard to the reporting status of furnishing to late payments. This a direct violation 15 USC 1666B correction of billing error ( i ) make appropriate corrections in the account of the obligator, including the crediting of any finance charges amounts erroneously billed, and transmit to the obligator a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligator under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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:
This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NJ
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 noticed the accounts below on my Credit report and I did not Authorize any of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today, a man showed up at my door. I answered the door, and he asks for XXXX XXXX. I told him that hes not here. Then, he begins asking me a serious of questions like : Does he live here? How long have you been here? Where is he?. I felt extremely uncomfortable with that line of questioning considering this is a complete stranger asking me questions about someones whereabouts and he didnt even acknowledge who he was. In addition, I suddenly felt more like he was trying to verify if I was alone. So my replies were No. I then asked him why the line of questioning and who he was, he proceeded to say he was a process server with papers for XXXX XXXX from the XXXX XXXX XXXX Courts. I didnt believe him, and told him to leave. I saw papers in his hand, and they didnt look anything like what could be considered court documents. I watched him leave from the window. Not even a few minutes later, he returned, and knocked again. Im not even sure why I opened the door again, but I did. As soon as I did, he asks XXXX XXXX, right? I told him that he was told to leave, and now hes shown up with a different name. He yelled this time over me, I yelled at him to ( please pardon my language ) Get the XXXX off of my property and dont come back here. Even after I slammed the door, he continued to yell at the door. I tried getting a license plate, model and make of his vehicle, but I couldnt see the back or front of his car. He eventually left, but I heard my storm door open and close before he did. I opened my door and found papers. The front page had information about debt collection, and after flipping through a few of the other pages, theyre blank and certainly nothing filed with the courts here. I was instructed to call the police if he returned. If this is some abrasive tactic of collecting some debt, aggressively approaching someones home especially with children present is extremely inappropriate and is harassment. Thinking clearly now, I shouldnt have opened the door a second time, but obviously, I do not want anyone else at my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used Affirm to purchase a kayak from XXXX. I did receive a small payment from XXXX, but it was not for the full amount of the kayak. XXXX should have paid the full amount to Affirm. Instead I am stuck with a massive bill. With interest, I have already paid over half of the amount of a kayak that I returned as soon as I received it. Moreover, I was making payments for 6 months to Affirm before I even received the kayak. This should have never been set up like that. Please also look into XXXX, as they should not be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made numerous complaints to CFFB over the last years which have fallen on deaf ears. I STILL don't know what to do or write to convince you to do SOMETHING to help not only me but others who may be affected by this " mortgage company ''. My complaint started with Ocwen Mortgage service, now it has been sold, given to PHH "  mortgage service ''. They are still trying to foreclose on my condo. At last on XXXX of this year this went to court and a judge who had other things to do was tired of dealing with this so nothing actually happened but she through the case out without having jury. Ocwen had added numerous fake charges to my mortgage, which initially had a balance of approx. {$43000.00}. Now I have been loaded with additional fees totaling over {$130000.00}. While this was going on in court it was settled for {$90000.00}. I have my condo for sale at {$150000.00}. Now, PHH has taken over and claim I owe over {$130000.00}. If I sell my condo at the asking price I will only have approx. {$20000.00} left over. I will need at least 30 % for a down payment in order to get another loan. Ocwen/PHH has utterly ruined my credit. Please refer to my other complaints to bring yourself up to date. I NEED HELP yesterday, last year, the year before - you get the idea. I was about XXXX years old when this started. I am now XXXXyrs. old. I don't want to live like this for the rest of my life. PLEASE HELP. I believe they are extorting money from me in order to foreclose on me.

Company response to consumer: Closed with explanation