BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: AL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 {$390.00} ; XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/XXXX  I made several attempts to use the mobile deposit feature on the U.S. Bank NA mobile banking application. I received several egregious error messages over the course of more than two hours. On the last attempt the deposit appeared to be successful insofar as I received an email message, led to believe, ( timestamped at XXXX XXXX XXXX ) from U.S. Bank NA stating the status of the mobile check deposit was accepted, further stating weve accepted your deposit. and you will have access to at least the first {$220.00} right away. The check amount was {$120.00}. However, the date, in the contents of the message, was post-dated to XX/XX/2023 seemingly in contradiction to the aforementioned statement made, in the same message, funds being available right away. As of the end of business on XX/XX/2023 the funds still appear as pending in status. Additionally, the mobile application for the account, in question, also shows an available balance reflecting the mobile deposited check is fully credited to the business checking account, right away. I was misled into believing the funds were available for uses, such as, but not limited to, an internal transfer between two checking accounts, for less than the total amount of purportedly available funds. This led to further confusion as the balances displayed showed two separate, contradictory amounts ; one, the headline available funds reflecting the amount inclusive of the funds recently deposited, but, below that in a much less conspicuous font, secondly, an amount not including this amount, thusly, showing the account in a negative net balance. I believe, U.S. Bank NA is making intentionally contradictory statements about available balances and processing times, in an effort to confuse consumers, to induce action in an effort to create a scenario where a negative balance is rendered, however temporary, so the bank can then apply its rent-seeking, deceptive junk fees ( e.g. overdraft, and returned check ( s ) fees, etc. ) against the account holder. I believe this predatory action is blatantly profiteering. Such deceptive practices are designed, expressly, to maximize the number, frequency, and amount of unjustifiable, hidden junk banking fees generated against account holders, by definition, those who can least afford it. This type of rent-seeking fee may be a customary practice amongst super regional institutional banks, but, it should not be considered justifiable.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.

Company response to consumer: In progress
Consumer complaint received 2021-11-17
Company: Mercedes Benz Financial Services
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: Reporting company used your report improperly

Complaint:
The company ( insert collection company ) purchased a debt from another company and i had no involvement in the transaction. According to 15 USC 3002 i am a natural person which means my name in all caps is not me. My name is ( insert your name ). Per 15 USC 1692a ( 1 ) The term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus. There is only one bureau and that is the Consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I intiated an inquiry with my mortgage company Nationstar regarding FHA loan assumption. XX/XX/XXXX, I found a qualified buyer that completed necessary paperwork only to find out that they could not produce current resident payment history required to complete the loan process. 
Buyers entered a rental agreement to create a payment history to satisfy Nationstar requirement. 
XX/XX/XXXX resumed loan assumption process. At this time I was told my FHA mortgage is not assumable, therefore refused to contact buyer, and process request for loan assumption. After 2 phone conversations with the Assumptions research associate she agreed to go along with the loan assumption process on XX/XX/XXXX. She contacted the buyer to inform them they would receive a phone call from the sales department in 7-10 days for credit application. On XX/XX/XXXX buyers sent email inquiry to Nationstar no phone call from sales department was told would be looked into. Still no phone call as of XX/XX/XXXX I forwarded email inquiry threating to file complaint with CFPB this intiated a phone call from the sales department to the buyer on XX/XX/XXXX the credit application was completed. XX/XX/XXXX the buyer was sent a letter indicating they needed XXXX FICO score, the buyer had XXXX and loan appumptipon denied by assumption manager. The problem is FHA only requires XXXX. Nationstar hedged on paperwork and phone calls, taking 3 months to start the process. The assumption Manager told the buyer the process would be quicker and easier to go thru new loan application. The buyer is currently eligible to assume the mortgage provided Nationstar dba Mr Cooper is willing to follow FHA guidelines for processing loan assumption. The buyer and myself was told the process would take 6 months after credit score qualification. It has been 5 months trying to go through a simple loan assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A complaint has been field against NationStar Mortgage/Mr. Cooper, the Mortgage Co. #XXXX. However, Mr. Cooper failed to address several issues.  Mr. Cooper generated a bill that had a wrong amount due, it charges interest on the wrong amount, generated a delinquent statement based on the wrong amounts and calculated the following months amounts due based on the wrong amounts.  Although Mr. Cooper's XXXX. XXXX, 2017 response to the complaint denies receipt of our communication, Mr. Cooper's CEO, XXXX. XXXX XXXX  and XXXX XXXX indeed received the email and faxes.  (See attached proof)  But it's denial is indicative of their poor service.  Along with correspondence, we provided the facts to Nationstar/Mr. Cooper that the amounts it was billing were incorrect and at no time, did Mr. Cooper address our letters/emails.  Rather, it continued to over bill based on the wrong amounts.  We informed it that the amounts were wrong and informed it that it cannot send us delinquent or foreclosure notices based on amounts that were related to the taxes of the property.  It ignored all communications and continue to over-bill.  We requested a call back, which we never received and demanded a refund of all monies that were over billed, charged and forced to paid to avoid foreclosure but instead of refunding our money, it kept part of it and made a payment to the tax collector for the wrong amount.  It paid a much higher amount than was owed.  Mr. Cooper's letter also claims that the account is past due.  That too is false.  Again, it is basing its claims on the wrong amounts.  Mr. Cooper mailed a letter to us advising that we had a point of contact and yet, we have communicated with XXXX. XXXX and all have been ignored.  Mr. Cooper over billed and although it cannot foreclose based on an allegation of money owed to the tax collector and yet that is exactly what it was doing.  We demand a refund of all monies plus interest that were over billed and paid.  We also request of Mr. Cooper to provide a detailed itemization of all charges it includes in the monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past several years, I've experienced issues obtaining my free annual credit report from Equifax Information Services LLC. I've only been able to obtain my annual free credit reports from XXXX and XXXX but not Equifax. 

Early XX/XX/2021, I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. It was delivered by USPS via Certified Letter on the date of XX/XX/2021. XX/XX/2021, Equifax responded to my request by sending me a letter requesting more information for identity verification purposes. On XX/XX/2021, I mailed the requested identity verification information to Equifax, my response was delivered by USPS via Certified Letter on XX/XX/2021. 

As of XX/XX/2021, I have yet to receive my requested free annual credit report from Equifax. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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 status incorrect

Complaint:
I have an auto loan from XXXX XXXX XXXX XXXX., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution.XXXX, XXXX, and TransUnion reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

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 2023-05-10
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 sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed 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 2021-10-27
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Portfolio to verify this account that is being reported on my credit report. My first letter was dated XX/XX/2021, in which case, I requested verification in the form of any signature bearing document against this account. At the beginning of XXXX, I received a response from them touting a letter from XXXX XXXX giving them authority to collect and a couple months of standard company account statements. I then responded with a letter on the XX/XX/XXXX, asking again for some hard evidence linking me to this account. I have no knowledge and think that there was Fraud under my name. I then received another letter from Portfolio Recovery Associates saying that they weren't going to reimvestigate a dispute that had already been completed. I guess some standard account statements that can be photo chopped, clipped, and hacked is their standard for verification. I have attached my letters along with their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband was disable veteran he is diseased My Mortgage company had me in foreclosure stating I owed XXXX My son loan me the money we paid it plus a mortgage payment. 
We were told that was all I owed to reinstate the loan XXXX. I didn't have the customer service person that all I owed. In XXXX I completed a Mortgage Assistance Application for help with my mortgage. Instead I received a statement stating I owed XXXX I called PHH about this statement, The relationship manager states I have the term of the loan to pay back XXXX. He hasn't giving me a reason for payment after paying XXXX which I had to borrow from my son. I paid XXXX in XX/XX/2021 He didn't give me a reason for this charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 non-monetary relief
Consumer complaint received 2018-01-09
Company: NATIONSTAR MORTGAGE LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became late on my payments last year. Nationstar offered me a modification. I accepted even thought it would extend out the 20 out of the 30 years I hade left to 40 years. My intention was that I would pay on time for 2 years and refinance out of Nationstar. Then I found out that Nationstar closed my mortgage/note 5 years ago when I was in bankruptcy even after I reaffirmed and have been making payments. So I stopped paying to find out why and what could be done. Who pays 40 years on mortgage that can not be refinanced because it doesnt exist and you may never own it in the end or you think you have it paid off just to be told that you owe more money? I tried to refinance it sooner and that is how I found out there is no note. So then the foreclosure process has started. It has only gotten to their attorney filing papers and requesting it but a judge has not signed off yet and I have denied all claims because I want answers to their claims. Well, I have found a way to pay off my loan ( through my employer ) and in the pay off request they added {$30000.00} fees to my pay off. In XXXX my loan was at {$110000.00} in XXXX it went to {$110000.00} and the payoff for XX/XX/XXXX is for {$130000.00}. I bought this home for {$130000.00} in XXXX of XXXX. I was given a XXXX interest rate even with no less of a XXXX from all three credit reporting agencies. I have tried to contact XXXX XXXX at Nationstar who never answers her phone and never returns her phone calls. So this is what I want help with. I want a true buy out. Not the overinflated one they gave me. I want it noted that I am now sending a check via certified US Mail to make a payment of {$6800.00} since she will not answer her phone to take my payment over the phone. If this can not happen then my boss can buy my house for me at the foreclosure auction for half of what they want for a payoff and they can be out that money since Nationstar closed my note in my bankruptcy and they can not come after me for the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/21, I reached out to transunion by certified mail to inquire the method of verification for a bankruptcy that is listed on my report. on XX/XX/21, transunion responded with a letter that informed me that the bankruptcy was valid and they have already investigated which is not what I requested from them.

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 2021-10-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX

Company response to consumer: Closed with explanation