BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-10-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They wont close account ..had to tell them card is damage they issue new card never got and someone is everyday using my account they let keep going letting it happen I live in Florida charging is going on from XXXX. I can not pay after telling it is not me..over XXXX XXXX now..

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 monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX and TransUnion Ive disputed wrong names and social security number and inquires that arent mine they refuse to move them and XXXX XXXX  tricked me into saying I was approved for a card then I applied and my credit score dropped

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 2023-05-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, Tx XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2018-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 sent several paper work and letters to XXXX  stating the information they have on file is fraud and I have disputed with XXXX and XXXX  and which those 2 companies removed that information from my credit report now its XXXX who has stated its been verified and I have ask for verification about this account and they have refuse to provide me information no letter no response only its been verified to of my knowledge I have a right to request documentation and as usually they refuse to give my that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX we spoke with Keybank and an agent told me I could convert my HELOC at my credit union to an interest-only, fixed rate ( at 5.5 % ) with KeyBank so I began the process. 
The communication was atrocious. I was asked for information repeatedly that had been sent over two weeks prior. It was awful. 
I later learned that the 5.5 % was a mistake and the rate would be more like 8.75 %. 
We went ahead with it anyway despite that major disappointment. And closed the loan in XXXX. At closing, I was told : 1 ) due to the problems wed get a .5 % discount and 2 ) after closing the HELOC as variable, we would lock it for a {$50.00} fee and it would be interest only and fixed rate. I have emails confirming this commitment prior to closing and at closing they made calls to XXXX again promised that after we closed the loan would convert to fixed, interest only. So we closed the loan. A few days later we were informed by the branch manager that KeyBank doesnt have a fixed rate, interest only. They only have a fixed rate principle and interest option, not interest only. Not being able to provide us the loan product which was the only reason we moved to them, our payment went from {$550.00} to {$1600.00}. TOTALLY NOT WHAT WE WANTED TO DO! 
The only option we had was to stay with a variable rate, but we never needed to do that. AND we had a {$250000.00} credit line now we have {$80000.00}. 
This was a disaster. 
Worse, I wish that were the end of the problems, we went in and filled out a form so that they could withdraw our payment monthly from our credit union checking account. We filled it out precisely as they asked us to as we sat in their office. 2 weeks later now they haven't withdrawn our payment, they sent us notice of missed payment and now added late fees. We keep trying to resolve this with the branch manager but he doesn't respond to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19
Company: NATIONSTAR MORTGAGE LLC
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:
I have had a lot of life event 's and have reached out to Nation Star Mortgage / Mr. Cooper. Their location in XXXX, TX. XXXX XXXX location. I have just figured out that Mr. Cooper along with a company called XXXX " The mortgage is in my spouses name and has been diagnosed XXXX. I have been the co - contributor and the co-borrower. Nation Star and our dedicated loan specialist have instructed me to list myself in this fashion. During the loan modifications. We have asked XXXX XXXX XXXX to asst four times. 
I didn't realize in the paper work we sent them every time that was always lost. We had given permission to access credit bureaus and every single detail of our private history. 
Medical, insurance, social security, everything. I'm appalled, that they got assistance from another company that is affiliated somehow and double hit both of us with hard inquiries. I am accusing them of tampering with my ability to obtain credit and move away from the company.. 

I also know that the P M I insurance has paid them {$180000.00} and we have paid approximately {$20000.00} since 2010. I have asked them for the payment history and who the lender is. We always get contradictory information and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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. 

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  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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. cooper took over my loan in XX/XX/2017 from XXXX. Since Mr. cooper took over they have twice received my payment in time but failed to cash or process my payment for 3 weeks putting my account in a late status. 

The latest incident was in XX/XX/XXXX. I mailed my payment on XX/XX/XXXX and as of XX/XX/XXXX the payment was not processed according to my online account. I called customer service to find out what was going on. Thru this conversation It was determined that it would be best for me to enroll in auto payment. So with the Mr. cooper rep I went online and made my XX/XX/XXXX payment electronically and also enrolled in autopay. I instructed the CSR to disregard my check when it was received as payment has not been made. I let him know that I would put a stop payment on the check. 

When Mr. cooper finally decided to process my check on XX/XX/XXXX, they saw that my account was paid so they decided without my knowledge or authorization to cash my check and apply the money as extra principal thus incurring a returned check fee that they are now trying to make me pay for. They also assessed a late fee for XX/XX/XXXX due to them holding onto my payment for 3 weeks. 

My issue is that they sent me a letter stating that the discrepancy was in no part their fault and they are not responsible for the mistake. I think that due to Mr. coopers lackadaisical handling of mortgage payments has most likely cost other clients unwarranted and undeserved penalties. This has happened twice with Mr. cooper in less than a year and when I was with XXXX for over 10 years it never happened 1 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently submitted documentation to figure out what my monthly payments would be. I had been paying {$360.00} per month which was a reasonable amount given my salary and other expenses. My new payment was calculated to be {$920.00}. I have not had a significant change in income over this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I'm requesting that XXXX XXXX  XXXX remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX, Equifax, XXXX  and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in Deferment. XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXX XXXX  XXXX  XXXX  was hit hard by XXXX XXXX. My clients are restaurants and bars. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  XXXX posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote XXXX and requested the late payments be removed due to the negative effects of Covid 19. XXXX denied my request, stating that I didn't say specifically " XXXX XXXX " was the reason for my request for Forbearance and that I had a prior late payment. 
The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX XXXX  XXXX  Servicing added a late payment for XX/XX/XXXX on my Equifax credit report, My Equifax is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that XXXX take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With XXXX  XXXX XXXX. Thank You For Your Consideration And Your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: OPORTUN FINANCIAL CORPORATION
State: FL
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:
It looks like OPPORTUN BANK has requested my credit file via a hard inquiry three times in the past 18 months without my knowledge, permission or approval. 

On XX/XX/XXXX OPPORTUN BANK requested my credit file without my knowledge, permission or approval of a hard inquiry. 

On XX/XX/XXXX, I was sent a letter from OPPORTUN BANK Credit Department stating " a request has been made to the credit reporting agencies to remove the inquiry on XX/XX/XXXX from your credit report '' however, the fraudulent request is still on my credit report today two years later on XX/XX/XXXX. 

This is lazy, irresponsible, fraudulent, and dishonest banking. I have never done business with OPPORTUN BANK and any related agency related to this specific credit request for a credit card on XX/XX/XXXX does not have a permissible purpose for requesting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Based on my Escrow Balance Tab on the online account page, Mr Cooper paid my annual XXXX  Insurance bill in full XXXX  times : once in XX/XX/XXXX {$XXXX}, again on XX/XX/XXXX {$XXXX} and a XXXX  time on XX/XX/XXXX {$XXXX}. Debiting my XXXX account XXXX  times for XXXX bill, in total they have disbursed {$XXXX} from my account for a bill that was initially {$XXXX}. 

I was first alerted to the problem from a letter on XX/XX/XXXX sent by my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX advising they had not been paid the annual premium. When I reached out to my insurance agent she confirmed. I reached out to Mr Cooper, my home loan servicer. They said they had sent a check on XX/XX/XXXX. When I investigated the address as it was not the one on my bill, I discovered it was a company with a similar name that handles properties in the XXXX XXXX XXXX, we are in Hawaii. I have no idea how they found this address. 

They sent another check to the address my insurance agent and I provided via a conference call on XX/XX/XXXX. Our Insurance was reinstated XX/XX/XXXX. 

I went online to review today and per my online Escrow Account Balance, they sent a XXXX check for {$XXXX} on XX/XX/XXXX Since this error was Mr Coopers XXXX, I would like the funds, {$XXXX} returned to my escrow account in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.

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 2022-07-15
Company: Dave Operating, LLC
State: NV
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:
I have been informed of the XXXX security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts 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 explanation