BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an authorized third party, representing borrower XXXX XXXX, owners of XXXX XXXX XXXX, XXXX, Illinois XXXX. I am mediating a short sale, under the supervision of attorney XXXX XXXX, for Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. I have made 4 requests for a copy of the valuation report : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, with the last 3 requests asserting Ms. XXXX 's right to the appraisal, providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. XXXX ] RIN XXXX Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B. ) I pointed both Mr. Cooper and XXXX 's employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports. On XX/XX/2021, Mr. Coopers rep reported management decided short sales borrowers were excluded from the regulation, even though I specifically highlighted the findings on page 27 of the regulation stating otherwise. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper is withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyer at risk to Ms. XXXX family of losing a true fair market value offer for their property. 
XXXX This is the second time I have had to file this exact complaint against Mr. Cooper. The last ( # XXXX ) resulted in Mr. Cooper complying. Because of this fact, I am asking for more strict penalty against Mr. Cooper for their persistent disregard for the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries REGIONAL XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

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 2022-03-06
Company: SUNRISE CREDIT SERVICES, INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a utility debt well over 10 years old and the date keeps being changed by the credit collection company to make it look as if it's a new debt. I have disputed this before to no avail and I don't even know for sure if that is the correct amount because mountaineer gas no longer has record of it and attempts to verify with the collection agency have not been successful.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is a supplement to complaint # XXXX that was filed with the consumer financial protection bureau against TransUnion for reporting inquiries I never consented to or signed any agreements or authorizations for my credit to be pulled. A copy of my identity theft form from the Federal Trade Commission is included for review.

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 2021-08-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
AMEX abruptly terminated my AMEX Platinum credit card and Hilton Honor card WITHOUT any documentation or recording - NOTHING. 

Hostile action by AMEX forced a LOSS of over XXXX reared points worth over {$650.00} In addition there was a credit balance on the account of {$0.00} and the ruthless AMEX billing department failed to send me full compensation.

ZERO NOTHING.

CEO XXXX XXXX was notified and IGNORED request for arbitration and ignored full payment after account forced closure. 

DISHONESTY is allow in the banking industry to terminate accounstwith ZERO evidence! 

Four times AMEX has IGNOred issues on reared points LOST due to AMEX hostile action. 
1. AMEX XXXX reward points 2. Hilton Honors XXXX reward points 3. {$0.00} credit balance NOT paid out by amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Greetings, To whom it may concern I the consumer : XXXX XXXX XXXX. come in good faith. So this complaint is on going from complaint # XXXX, I also must add that I also sent ALLY FINANCIAL a affidavit to rescind the transaction and pursuant to title 15 U.S.C 1635 ( b ) allege creditor has 20 days after receipt of a notice of rescission to return to obligor downpayment and or all payments made by obligor and termination of any security interest created under the transaction. CFPB Let it be known that ALLY is harassing me and sending me letters stating that they are going to repossess my vehicle if I dont make a payment. I can not believe said company is not being in honor of federal law, it is known now that if ALLY sends any one person 3rd party to repo my vehicle they will be in breach of federal law, and I will press any necessary charges as they do not have first hand knowledge pursuant to rule XXXX02 of federal rules of evidence. CFPB I put ALLY and there registered agent on notice that I was rescinding the transaction over 20 days ago I have the return receipt as well for proof. Thats is all a consumer is required to do absolutely nothing else. So CFPB please assist me with this matter as said corporation is bullying i the consumer. Thanks in advance

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 2020-06-11
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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.it also states a consumer reporting agency can not furnish an account without my written instructions Im accordance with the Fair Credit Reporting Act XXXX XXXX account #  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.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX XXXX XXXX # XXXX  ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft

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 2022-10-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting the balance twice on credit report. That is redundantancy. It should not be listed in comments, it's already established in the appropriate location on report Under Balance. Please remove this disgraceful company from my credit report immediately.

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 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX bank of america XXXX XXXX XXXX XXXX we charge more than i fee in error XXXX XXXX XXXX XXXX ssa fraud ga alert XXXX XXXX XXXX labeled int XXXX XXXX XXXX XXXX XXXX XXXX XXXX abuse credit breach ssa fraud

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Remove these unauthorized inquiries off from my credit report. I did not initiated this and they have to remove this according to the FCRA 605B!

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 2021-03-19
Company: Santander Consumer USA Holdings Inc.
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: Account status incorrect

Complaint:
CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from Santander Asking to collect a debt. Because of this I placed a call to Santander to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. Santander failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to Santander and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. Santander has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by Santander and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with Santander 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with Santander will dramatically ruin your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.

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 2021-03-19
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage XXXX, SC XXXX XXXX Sent escrow analysis for year, incorrect because hazard insurance added twice while flood omitted XXXX Spoke with XXXX. I explained issue. She requested new escrow analysis XXXX Received video email with new escrow analysis. Still wrong. Called and spoke with XXXX XXXX at XXXX. She said to disregard video and said initial request had been ignored because nothing wrong with original statement! I explained what was wrong. She noted it and sent an expedited request so I'd receive corrected statement within 72 hours. 
XXXX. Spoke to XXXX at XXXX XXXX. He said it was too soon to " jump the gun '' and to wait a week for correction. 
XXXX Spoke with XXXX who transferred me to XXXX XXXX, who created a ticket for new corrected escrow analysis and to wait 7 days XXXX Spoke with XXXX XXXX at XXXX XXXX. XXXX I requested to speak to supervisor, XXXX XXXX XXXX XXXX? ). She expedited new analysis. Told her I wanted within 48 hours or I'd contact attorney general, and if I died from a stroke Shellpoint would be sued for wrongful death! 
XXXX XXXX XXXX approximately, I called once again because I had not heard anything. According to XXXX, the payment had been corrected, but a corrected statement had not been sent to me, so she requested one. 

Shellpoint made a serious error with MY money. MY escrow. I am a good customer who has always paid AHEAD, and they treated me terribly! My original loan with XXXX has been sold to Ditech and Greentree and now Shellpoint. Shellpoint has made numerous errors since taking over less than 2 years ago. I used to work in the Savings and Loan industry back before computers, when we had to balance everything by hand monthly. It has to balance to the penny and reported to the government, with annual outside auditing. I don't think anyone is monitoring financial institutions like they used to. 
SC should be embarrassed to call Shellpoint a SC entity! They should be audited with scrutiny and fined for any errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation