BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX This complaint is in reference to : Mr. Cooper Mortgage Co. ( formally Nationstar Mortgage LLC ) Attn : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern : I am writing to dispute a late fee of {$83.00} that was included in my final mortgage payment.

On XX/XX/XXXX, Mr. Cooper Mortgage Co. Received my payment of {$1600.00}. This was the total amount due on my final mortgage loan statement. Per the statement ( enclosed see First Mortgage Statement ) late fees were to be imposed if payment was received on or after XX/XX/XXXX.

On XX/XX/XXXX, I received notification from my bank stating that this payment was not cashed and returned to my bank account.

On XX/XX/XXXX, I was in contact with a customer service representative from Mr. Cooper Mortgage Co. in reference to a second mortgage statement I received for {$3400.00} ( enclosed see Second Mortgage Statement ) and according to the Mr. Cooper customer service representative was an error. During that conversation, I was told she would email me the corrected statement.

On XX/XX/XXXX, I received ( via email ) from the Mr. Cooper Mortgage Co. customer service representative, a third mortgage statement ( enclosed see Third Mortgage Statement ) with a {$83.00} late fee ( and a $ XXXX County Recording Fee ) for a total of {$1900.00} and was told this was to be wired ( as indicated on the statement ) to Mr. Cooper within 48 hours or there would be another late fee imposed on my account.

On XX/XX/XXXX, I wire transferred the total amount of {$1900.00} to Mr. Cooper per the instructions to avoid a second late fee.

In working with the Mr. Cooper customer service representative, I was told that a request was made to remove the late fees and once the final payment was made, I would receive a check in the amount of {$83.00}. I never received the check and contacted a second customer service representative. A second request was submitted to reimburse me the {$83.00} and again, I had not received the check.

On XX/XX/XXXX I spoke to a supervisor who informed me that because the loan had been paid off, I would not be reimbursed the {$83.00}.

On XX/XX/XXXX Mr. Cooper Mortgage Co. received from me a correspondence describing the order of events described here. They have responded with a letter ( enclosed see Response from Mr. Cooper ) by stating that the late fee was valid due to the XX/XX/XXXX payment ( although it clearly states the late fee would be imposed if the payment was received on or after XX/XX/XXXX ) and I would not be reimbursed the {$83.00}.

Mr. Cooper Mortgage Company received my final mortgage payment on XX/XX/XXXX fourteen days prior to the late fee date of XX/XX/XXXX and I wire transferred the second payment within 24 hours of receiving it and feel it is only right that I get reimbursed for the {$83.00}.

Can you please assist me in resolving this issue? 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: LA
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 Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 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 section ( 2 ) Also states a consumer reporting agency can not funnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to the non compliance of ( experian, XXXX XXXX ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.

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 2019-09-30
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage of 14 years with Ocwen transferred to PHH mortgage services in XX/XX/2019. Due to hurricane Florence I was in a 6 month forbearance plan. I didn't call Ocwen and ask for the plan, Ocwen called me and made the offer. Before Ocwen shut down there website I printed off 1 year of payment history and printed the last 6 months of confirmation of payments. When PHH mortgage services took over the loan they told me I was delinquent for the XX/XX/2019 payment. I sent PHH proof the XX/XX/2019 payment was made, ( confirmation number and bank statement ) I've sent 5 certified letters with copies of confirmation numbers and bank statements to prove all payments have been made on time and my account has never been delinquent. I've had numerous phone calls to the company and spoken to 6 different people, to no avail. PHH will not correct the error on their end. I know they have taken one of my payments and applied it to XX/XX/2019, which, had already been paid and I've sent them proof of that, which now means 2 payments were made in XX/XX/2019. Now PHH persistently insists I am a month behind regardless of all the confirmation of payments made on time and the bank statements. I think this is a deliberate attempt to try and foreclose on my home due to the equity I have in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX  : 1. XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX   XX/XX/XXXX TransUnion 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX  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 explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Rent Recovery Solutions
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XXXX XXXX XXXX  I delivered a notice of early lease termination ( 90 days prior to termination per the lease agreement only 60 required ) for one remaining lease payment amount. This was.to XXXX XXXX XXXX XXXX XXXX XXXX TX. I hand delivered to 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 Subsequent to that - the management company has stated that I did not do that and that I owed one more months rent. I sent a copy of the letter to them but never heard back. Now at least twice I have had collection attempts against that debt. 

Most recently this month, RentRecoverySolutions has hit my credit score again for this invalid debt of {$1300.00} ( I have had this reported three times illegally now ). They did NOT call.or.contact me, they sent no notices. I want this off my credit report and for them to stop selling this invalid debt to other collection companies and continuing to hit my credit. 

It should also be noted that besides me giving proper notice ( and then losing and/or ignoring it ) this was during COVID and during that time it was illegal to try and collect on this amount!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, XXXX, Transunion ) deleted the account and then placed it back on ). ( XXXX, XXXX, Transunion ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

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: CA
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 went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX  about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into Equifax itself to check XXXX XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX XXXXXXXX and it said it was not going to affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Zealandia Holding Company, Inc.
State: LA
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've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account XXXX XXXX XXXX that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX  have failed to do so as I requested.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Seeking assistance and intervention regarding a hold placed on my funds by Bank of America, and the difficulties I have encountered in attempting to resolve this matter. 

I recently started working for XXXX XXXX on XX/XX/XXXX after a prolonged period of unemployment. It has been a challenging time for me, as I have fallen behind on my bills and financial obligations. The recent hold on my funds has exacerbated my situation, making it even more difficult to meet my immediate financial needs. 

I have made numerous attempts to contact Bank of America to inquire about the hold on my account and seek a resolution. However, despite my persistent efforts, I have been unable to reach a representative who can provide me with the necessary information or assistance. The bank 's customer service line directs me to the same number repeatedly, resulting in no response or resolution. This lack of accessibility has left me feeling frustrated and helpless. 

Given the urgency of my situation, I kindly request your intervention to help facilitate communication between myself and Bank of America. I believe that with your involvement, we can bring attention to my predicament and prompt a timely resolution. 

Enclosed with this letter, you will find detailed documentation of my attempts to contact Bank of America, including dates, times, and phone numbers called. I have also included relevant information regarding my employment with XXXX XXXX and the impact this hold has had on my financial well-being. 

I sincerely hope that you will consider my complaint and take appropriate action to address this matter. Any assistance you can provide will be greatly appreciated, as it will enable me to regain access to my funds and meet my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution. 

Bank of America only gives me this phone # that no one answers- 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 2019-09-29
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: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER 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 2023-10-27
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans entered repayment XX/XX/2023. I logged into the portal beginning XX/XX/2023 in an attempt to set up payment information. Their portal was unable to accommodate a XXXX bank account due to an unspecific error. 

On XX/XX/2023 I submitted a payment of {$300.00} using my bank account information for a payment date of XXXX payment was not processed due to an error that said : " We can't process your payment for XX/XX/2023 because today 's cutoff time as passed. Please select a different payment amount. '' This error is categorically incorrect because the payment date selected was NOT XX/XX/2023 - I changed the payment date to all kinds of different dates but it never resolved the bug. 

I sent an email to their customer support and the automatic form response read : " Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email. '' I have attempted every week to make payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these payments results in the above error. I have attempted to call their customer service line on these dates, as well as many others. Each of these call attempts results in spending hours waiting only to eventually have the call disconnected. I have been unable to get in contact with ANYONE at Nelnet to process my payment while they wrack up late fees, interest fees, and a number of deregatory remarks and letters. Their system is FORCING these additional fees and remarks upon me because they will NOT accept my money. 

I have even attempting to pay off the entire amount of my student loan - only to have the system deny that payment too! I have been unable to get in contact with anyone at Nelnet for assistance despite multiple attempts. Nelnet is engaging in dark patterns and predatory behavior by not implementing a working payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX 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 and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression.

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document

Company response to consumer: Closed with non-monetary relief