BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called XXXX XX/XX/XXXX, because I had gotten a notice stating that I did not make my mortgage payment. I did make to Mr. Cooper on XX/XX/XXXX confirmation # # XXXX in the amount XXXX. When I called Mr. Cooper the woman who answered ( in TX ) Hung up on me. I called again later that day and was told by a employee of Mr. Cooper that I did not make my paymen t and my hourse was going to go into foreclosure. I let her know that I did make the payment and gave her the confirmation #. She told me that my bank rejected it. Which I have been making payments to this same ortgage company since XX/XX/XXXX whith no problem. I went to my back that day after work and I was told by the back that there was never a attempt on putting throught the payment from Nationstar Mortgage ( Mr. Cooper ). I called the bank when I got home and I was told again I did not make my payment they were in the process of forclosure and I explained everything about to this women if I was going to make the payment for both XXXX and XXXX. I said yes but to geive me atracking number for the payment that my bank rejected on XX/XX/XXXX for # XXXX. She put me on hold while she spoke to her XXXX. And she said that she would waive the {$86.00} XXXX later fee and the {$15.00} XXXX Fee. So I made my XXXX payment on XX/XX/XXXX confirmation # XXXX in the amount of {$4100.00}. On XX/XX/XXXX I went in to my bank account to see if the payment went through I was told still no payment had gone through on their side and that my bank rejected it for insufficent funds. This is not true I went back to the bank and I was told that the Nationstar Mortgage only entered in 4 of the 6 numbers for the account number. So the bank needs to ID the 6 numbers not 4. I called Mr. Cooper back on the XXXX they told me to wait till XX/XX/XXXX to call them back to see if the payment went through. No fees will be put on your account I am putting that in right now I was told. I could not call on XX/XX/XXXX because my daughter had XXXX. I called Mr. Cooper on XX/XX/XXXX at XXXX and was told by XXXX in TX that the payment was past due, she was nice and cleared all of the charges again and double checked with me the account number and the routing number and I approved her to resend the payment, she said to give 24 hours. I have and still the money is in my account no payments paid. I can not do this any more. and with my husband just loosing his job and this Mr. Cooper not able to put my payments through is XXXX percent rediculess. Can you please look in to this for me please. I was told by XXXX that I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX loans with Sallie Mae. When applying for each loan, I asked for a fixed rate and both loans are variable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.

Company response to consumer: Closed
Consumer complaint received 2019-09-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Almost 4 years ago I went into a Wells Fargo and tried to get a credit card with a XXXX credit score. They told me that because I had no open trade lines that I would need to place a deposit on the card and that after 12 months of payments my money would be returned to me. And I would have a graduated credit card. This hasnt happened in 4 years, they say because I was a few days later here and there over 4 years is why my account hasnt been upgraded. Because they have been fee harvesting me for hundreds and hundreds of dollars. And refuse to upgrade my card. Other lenders see this card and dont want to extend me credit. This card reporting as secured is damaging my credit profile. And my ability to get housing and low rates on transportation and vehicle loans. 

According to the fair consumer credit act payments up to 30 days may not be used to my detriment. Only payments 30 days and over are recognized under this statute. However Wells Fargo uses this as legitimate reason to damage my credit profile. 

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 explanation
Consumer complaint received 2023-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MS
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 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 XXXX XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report. 
XXXX XXXX XXXX  XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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:
contacted company about incorrect information on report and company did not properly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  hereafter ( SPS ) has failed to execute their legal responsibilities to manage and execute due diligence with our mortgage and by doing has has placed us in a harmful and dangerous position due to loss of insurance coverage. 

XX/XX/2022 Request from SPS to provide copy of Homeowners Insurance Policy to SPS XX/XX/2022 Sent via XXXX XXXX XXXX XXXX XXXX XXXX to SPS XXXX. XXXX. 
XX/XX/2022 Confirmed delivery w/signature " XXXX XXXX XXXX XXXX SPS with documents requested. 
XX/XX/2022 Request from SPS for " HOA Master XXXX XXXX ''. 
XX/XX/2022 Phone call with " XXXX '' to inquire about request from XX/XX/2022. Informed were in possession of XXXX XXXX XXXX, just needed the Master HOA policy now. 
XX/XX/2022 Contacted agent XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/2022 Confirmed fax from agent for XXXX had been sent and received by SPS. 
XX/XX/2022 via XXXX mailed hard copy of XXXX XXXX Policy to Insurance Address XX/XX/2022 Received CERTIFIED LETTER " SECOND AND FINAL NOTICE '' from SPS threatening costs to us to purchase insurance for the said property. 
XX/XX/2022 Spoke with SPS Rep who advised uploading documents through portal as " XXXX '' stated our loan shows our insurance policy as " MISSING '' XX/XX/2022 Documents uploaded to SPS via their portal ( THIRD TIME ) XXXX NOTICE FROM INSURANCE COMPANY TRAVELERS CANCELLATION OF POLICY DUE TO NON-PAYMENT BY MORTGAGEE. 

This company has made it impossible to conduct business or to reach necessary personnel to assist you. I spent two days navigating the insurance department phone maze with no success for connecting to a human. I have contacted personnel, I have mailed with proof of delivery receipt documents, my agent for the XXXX has faxed necessary documents with proof of receipt.Now we are in a very dangerous position should we suffer any sort of loss due to their continued intentional negligence with regard to our mortgage. 

They have failed to exercise their legal responsibilities and duties according to law. We kindly request an investigation and answers. We have exhausted all our possible avenues and are not receiving adequate responses or assistance. 

Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 had a payment more than required in my 2 credit cards because I have to travel over seas for long business trip they have send the money back by cheques that I never received and Bank of America has got these cheques back I did not know any thing about these cheques more over they got these cheques back witch are more than enough to cover any annual fees but the charged me for renewal fee and refused to deduct the renewal fees from my money they already have it more over the add penalty for not paying the renewal fee although it cover that renewal and more!! 
I have called them while I was in XXXX and spoke with XXXX XXXX all what she wanted to find a way to send the money again to any address instead of use it to cover renewal fees. They reported me and screwed my credit score which is very important to me Also they refused to transfer the money to my account in other bank!!!!

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 2023-02-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2015-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates has been calling me constantly on XXXX different phone numbers, maybe other numbers as well as my phone never stops ringing. I 've called all XXXX numbers back asking why they keep calling me. They want my name which I wo n't give them. I ask them who they are calling and the woman was very nasty and would not give me a name. She said she had to have my name. I know for a fact that I have nothing in collections and asked again why she was contacting me. She would not give me the name, she kept asking for my name. This company has been calling for months, several times a day. I do n't understand how they can call me and not tell me who they want to talk to. This is my house. I am tired of all the phone calls, they are harassing me and it has nothing to do with me. I never received any kind of letter in the mail regarding collections. I want this stop and do n't know how to get them to stop calling. I had another debt collector who continually called me. When I called them back asking why the calls they said they were looking for someone with the same last name as mine, however no one by that name lived here. They said they would stop calling. I ca n't believe debt collectors are allowed to contact people with the same last name on a constant basis and not even know they live there or not. Could you please assist me with stopping these phone calls. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: M&T BANK CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had a boat loan with M & T bank and was making on time payments. I received a letter from them stating the loan had matured XX/XX/XXXX and I owed a Principle balance of XXXX and late payments of about {$2700.00}. They never sent me anything previously and I was making on time payments at the time payments that they were stealing them and putting towards the late payments. Because they stated I could no longer make payments, I had to pay the balance off. This caused the 60 delinquency which shows on my credit report for XX/XX/XXXX and XX/XX/XXXX. Further, they refused to let me pay off the principle of {$820.00}, stating they would take nothing but the full amount, principle and late fee, which I had disputed several times and do not agree with. They forced me to make a deal to pay off the principle and half the late fee or else they would continue to report this as delinquent every month. Again, I was making on time payments and have no idea how they could say the loan matured and force me to pay not only the principle but late fees I do not believe I owe.Please find the bill they sent me XX/XX/XXXX which only had the principle on it and find the release which is dated in XX/XX/XXXX, but they state I made no payment that month even though I paid them {$2100.00}, much of it that I do not feel I owed. I only paid it because they threatened me with continuing late payment charges, late payment reporting to the credit bureaus and then repossessing the boat. All threats they made to me and told me my only option was to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CCS Financial Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received notice of a bill. I monitor my credit reports very closely since I had my identity stolen through the XXXX  security breach. I was made aware of this bill because a collection was placed on my account. I called the company to explain the bill is not mine and was met with harsh words and a demand to pay immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
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 came to a agreement to settle the account in full with XXXX XXXX XXXX for a lesser amount than I owed. XXXX agreed for to settled the account paid in full for {$3300.00} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my experian and XXXX that I still owe {$3300.00} and I would like this removed 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Synovus Bank
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX I requested a credit limit increase at that time I was told to have my limit increased from {$200.00} to XXXX I needed to send in {$200.00} on XX/XX/XXXX and on XX/XX/XXXX I purchased both money orders totaling {$200.00} both money orders were sent to FIRST PROGRESS ON THE SAME DAY, after several calls FIRST PROGRESS I CONTACTED XXXX XXXX WHERE THE MONEY ORDERS WERE DRAWN ON, THIS IS WHEN I WAS TOLD BY THE REPRESENTATIVE FROM XXXX XXXX THAT BOTH MONEY ORDERS WAS CASHED ON WEDNESDAY XX/XX/XXXX After I received the information from XXXX XXXX I CONTACTED FIRST PROGRESS, THIS WAS WHEN I WAS TOLD THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS, I HAVE SENT ALL OF THE DOCUMENTS THAT I RECEIVED FROM XXXX XXXX TO FIRST PROGRESS.as of this date FIRST PROGRESS IS STILL STATING THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS THAT I SENT TO THEM THIS IS ALSO AFTER I HAVE SENT THEM THE PROOF FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request.

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