BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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 status incorrect

Complaint:
On XX/XX/XXXX this letter was sent to CFPB to have the creditor correct the errors on my credit report. After XXXX calendar days the creditor has not responded. Prior to i faxed the mentioned creditor on XX/XX/XXXX and no response was noted. The creditor has not responded to any correspondence to have account removed as stated when the payment in full was taken.This letter is in regard to XXXX XXXX XXXX Account referencing the debt that was paid in full and I to paid the full amount in exchange for the following through correspondence with your customer service representatives. Your agreement was to accept the payment as payment in full. This payment was not be noted as a paid collection or a settled account. Your agreement was to remove any and all records of this account from all credit bureau reports. Upon receipt of a signed agreement to these terms, The amount was paid and accepted by your company. According to the Fair Credit Collection Practices Act, I have a right to dispute this debt if deemed necessary. If you do not respond to this letter within XXXX calendar days, you can expect me to reach out for further clarification of this issue.Thank you in advance for your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: General Motors Financial Company, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
To date Freedom has failed to favorably address my request for forbearance on my loan on XX/XX/XXXX. Foreclosure proceedings have begun, and the documents recorded in the Notice of Default state that Freedom has not denied forbearance since XX/XX/XXXX which is false. Freedom has denied my request for a formal forbearance since XX/XX/XXXX. In addition, Freedom continues to put in writing that the offer made for loss mitigation is based on an incomplete application which is also false as noted in the communications attached below. I immediately submitted ALL requested documentation in XX/XX/XXXX. While Freedom continues to present as making efforts to assist by making an offer that clearly does not address my continued requests for forbearance, my hardship remains. I provided a complete application back in XX/XX/XXXX. Please see communication attached below.

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I got my XXXX XXXX consumer report which showed fraudulent checking accounts opened up in my name. This is also reporting on my XXXX XXXX which I need cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Their investigation did not fix an error on your report

Complaint:
Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Creditor Classification Medical/Health Care Original amount owed {$300.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX Status date XX/XX/XXXX starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. The bureaus made these decisions after a review of medical debt revealed that, for most people, the debt was a result of a one-time or emergency event.XXXX XXXX XXXX I disputed this due to the fact that all three credit reporting agencies announced medical debt under XXXX beginning in XX/XX/XXXX will not be reported to the credit bureau and I was denied removal of the account from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Near the beginning of 2016, I reached out to Nationstar Mortgage, who was servicing our mortgage at the time, to obtain a loan modification. I was offered a loan modification, which required that I first make three trial plan payments in the amount of {$1000.00}, beginning in XX/XX/2016. 
On XX/XX/2016, Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
On XX/XX/2016, Nationstar Mtg received the second trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}. 
In XX/XX/2016, we sent the third ( final ) trial payment to Nationstar Mtg in the amount of Nationstar Mtg received the first trial payment in the amount of {$1000.00} + {$9.00} payment fee = {$1100.00}, although the statements maintained by Nationstar Mtg do not reflect this payment. They instead asserted that we made a " partial payment '' and the monthly statement reflects a " partial payment ( unapplied ) '', although the statement does not show that this payment was received in the transaction history. If you look at the previous statement dated XX/XX/2016, in the section labeled " Past Payment Breakdown '' you will see two partial payments, one which includes an amount of {$1000.00}, and a Year To Date total of {$1000.00}. On that statement, you will also see a payment in the Transaction Activity in the amount of {$2300.00}. This statement includes multiple errors. Our bank records do not coincide with Nationstar 's purported accounting. Our bank records reflect the first two trial payments in the amount of {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016, and {$1100.00} ( {$1000.00} + {$9.00} payment fee ) withdrawn on XX/XX/2016. There are no other withdrawls from our account for the XXXX ( third trial ) payment, not for the amount we actually paid in XXXX ( {$1100.00} ) nor for the partial payment amount ( {$1000.00} ) that Nationstar purports that we paid. 

On XX/XX/2016, Nationstar Mtg. sent us a refund in the amount of {$1000.00}. They rescinded their offer to modify the mortgage, and told us that they would not accept any further payments from us unless the entire balance was paid in full. Seven days later, on XX/XX/2016, Nationstar Mtg filed a foreclosure suit against us. 

These servicing errors have forced us into foreclosure. It would be unjust for Nationstar Mtg to sell our homestead property at foreclosure auction, and request that this issue be further investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In contrast to as recent as XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against XXXX XXXX XXXX in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. XXXX XXXXXXXX XXXX XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX   XXXX, XXXX XXXX and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to Fay Servicing. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court . 
In the case of Fay Service, we have served written letters ( see attached ) begin XXXX of XXXX to cease and decease all collection attempts on our XXXX XXXX XXXX Account since Fay Servicing is third party to a debt already in dispute with XXXX XXXXXXXX XXXX, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, XXXX XXXX XXXX in its deceptive attempt to unload a questionable debt to a third party debt collector Fay Servicing which in turn recruited XXXX XXXX an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX XXXX of California. 
Fay Servicing on behalf of XXXX XXXX Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX, XXXX XXXX XXXX, XXXX. 
In summary, the same fraudulent activity perperatered on us in XXXX by XXXX XXXXXXXX XXXX in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX OF XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-05-16
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: MS
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:
Unauthorized Inquires on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Byrider Franchising, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX  XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.

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 2023-05-19
Company: Navient Solutions, LLC.
State: IN
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:
on XX/XX/XXXX we filed for XXXX  XXXX bankruptcy Navient removed the debt from my credit report after the filing meeting of creditors was on XX/XX/XXXX, there were no objections raised by any creditors whatsoever. none even attended the call my credit report stays blank all thru XXXX and XXXX bankruptcy was discharged on XX/XX/XXXX with no contests or any exceptions whatsoever case number XXXX on XX/XX/XXXX or shortly thereafter, Navient re-listed the debt on my credit report, sent me a demand for payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal lawsuit AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, which was found in federal court to have defrauded attendees and borrowers of federally backed student loans. 

the money was loaned to me by Navient, a company accused in federal court of defrauding and misleading me and thousands of others and trapping them in these private loans unfairly and with known collaboration with the education institutions to hike the prices and make the common person foot the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 received a letter from Transunion on XX/XX/2021 regarding a false account that I have reported to them via mail in several dispute letters. The falsely reported account listed as XXXX XXXX XXXX. Transunion stated in a letter that they sent me that the account was verified. I reached out Transunion and asked how did they verify the debt! According the law I know that I have a right to know how this account was verified. 

Also, according to FCRA 15 U.S. Code {$1600.00} ( XXXX ) ( a ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report shall be excluded from a consumer report. How is it that they can report this information based on what a creditor told them without having proof of the account! 
Sending over a final bill that was altered is not PROOF! 

This is my final attempt to get this false account deleted from my account before I take legal action and sue for EVERY violation from this XXXX XXXX XXXX people and Transunion. This has been damaging to my credit and I haven't been able to find a decent place for me and my kids to live because of it. 

Thank you for your time and help in this matter and hopefully we can get this resolved finally.

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