BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started hardship application with Mr. cooper on XX/XX/2019, since then unnecessarily they have delayed the matter and kept on dragging it. They also asked me for my HOA fee when I don't have an HOA fee and I mentioned in in the application. I do not know which illiterate people they have appointed who do not have common sense. 

They also asked for my Profit and loss statement which I already submitted, and after its submission they paused my application, when I asked why? they said that there was no date after my signatures. How much insensible can you get. This is a height of insanity and not a reason to delay my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to 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 2023-08-08
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:
Dear Experian, In accordance with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C. 1681 section 602 states, I have a right to privacy. 

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.. 

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights. 

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what is an initial late {$310.00} fee and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor XXXX XXXX XXXX to try to collect the initial late fee late {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear. 

Please Permanently delete it from my credit report because this account has fraudulent charges being reported that do not belong to me. The law is clear and well establish. Under 15 U.S.C. 1681 section 602 states, I have a right to privacy and Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was sold to Newrez. They have lost paperwork including proof of insurance from my original mortgage company. Lost paperwork that they later " found '', and have on more that one occasion given me conflicting, or incorrect information that I honestly believe are 100 % lies. They have stated on more that one occasion they have sent me corespondance that I either never recieve or is recieved well after their contractual obligations to respond in a timely manner. They also do not send these letters in a manner that recieves a postmark making it hard to prove their lying difficult. 

I have been trying for over 1 year to get PMI removed. They have 3+written requests requesting removal. They have lost one then later found it. They have told me my appraisal completed by a certified appraiser, from my previous lender are not sufficient. Have told me on numerous occasions they have sent me paperwork despite only receiving one copy after I called in and rerequested information This company is dishonest at its core. Their system by design or by an unnatural collective level of incompetence, drags out processes that cost the consumer more and benefit the lender. I have quslified for PMI removal for conservatively a year. Money I'm spending on PMI could be going towards principal. They however have dodged my requests lost paperwork or not responded at all to my requests. 

I will tell everyone I know to never do business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Student Loan Finance Corporation
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was am ineligible student at an ineligible school that is not accredited in the United States nor on the federal school list. The school is also not eligible under title IV to receive financial aid. I filed for bankruptcy in XXXX of 2016 and the company continued to collect the debt regardless of the stay. The judge approved the bankruptcy. The company still attempts to collect. I have referred them to my attorney. The company is not exempt from bankruptcy law and must abide by the court 's ruling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went chase bank on the XXXX of XX/XX/2023 and deposit a check into the ATM. The check was from my boss who pays in with checks sometimes. The next day I couldnt access my account I tried calling chase they told me this will be resolved in a few days. I went to the bank several time and they kept saying they check will take 10 days. I eventually went back to the Bank in XXXX XXXX XXXX XXXX in XXXX CT where I was told that the bank needs to verify the check. I asked them to call my boss I have them my boss information personal cell phone, work cell phone and business office number. Chase refused to call saying they dont have the phone number in their system hence they would not be able to call. I asked them to look up the business owner on XXXX or in the CT Secretary of State but they refused. 
My boss and went into the Chase bank in south XXXX with multiple forms of ID, bank statement to show money is available and the check has been cashed by Chase bank. She showed them her business registration and her Driver license and passport to show that she is the owner of business and authorized the check. Chase bank in the branch called customer service said they didnt care whether my boss and i were in the branch with proof. They could only call a phone number they could verify regardless of both manager and i being infront a physical person at the branch. 

They however advised my manager/boss to have her bank retract a check that was already cashed by Chase bank ( her bank said its not possible ). 

On XX/XX/2023. I received in the mail a check XXXX from Chase bank saying my account was closed. I never received my {$300.00} deposit and my boss cant get it back. I am not sure if its some type of profiling but the owner of business was there with me and she is willing to talk to any authority XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX anyone can call her. 

Chase has the money its been cashed and cleared and they wont give it to me or release it back to my boss company. Their excuse is they cant find business in their directory

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
( See complaint : XXXX ) On XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX XXXX had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX  XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I re-submitted the dispute and provide extensive additional documentation of my debtlessness. TransUnion responded with this dispute with a letter containing the following : 'In accordance with Section 605B of the FCRA , we have determined that your request h as either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. ' I have since responded to TransUnion requesting that it identify precisely which of these scenarios it believes to be applicable, and why. 

Attached are two documents which are reflective of my second and third effort to resolve this issue with the credit reporting agency. Tracking numbers/proof of delivery for all correspondence is included.

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 2023-05-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
Checksystems refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from checlsystems consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet checksystems illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.

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 2023-08-08
Company: BARCLAYS BANK DELAWARE
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: Didn't receive advertised or promotional terms

Complaint:
My card gives points for various useages as gas purchases, dining, grocery stores, and other. It also gives points for XXXX maintenance fees and XXXX loan fees. Every month for the past six or seven months I have to call and ask for the points to be awarded for the loan fee. On XX/XX/XXXX XXXX Bank replied they could not help me at this time- they are the credit card bank. I called and get switched from one customer representative to another and am told someone will get back to me in 24 to 48 hours. I either get no call or someone that is looking into it. On XX/XX/XXXX they did not give me points for my loan payment ( XXXX points should have been awarded ) On XX/XX/XXXX again they did not give me my points for my loan payment ( XXXX points should have been awarded ). On XX/XX/XXXX shorted me XXXX points. I have battled them since XXXX on this same problem with no resolution. They shorted me on points in XXXX as well. I moved my loan payment to another credit card for a few months in hopes they would fix the problem after I was assured they would. But no resolution. There statements of how points are awarded as very clear that XXXX points per dollar for XXXX maintenance points and loan 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 2023-04-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the 3rd CFPB complaint filed. The previous 2 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXX XXXX  XXXX acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: AR
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:
Experian and XXXXXXXX XXXX XXXX XXXX did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, Experian and XXXX quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, Experian and XXXX  are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX assignee of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and Experian and XXXX are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : Experian and XXXX are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. Experian and XXXX are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-16
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 am a victim of identity theft please remove this fraud inquiry from 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