BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Finance took over the servicing of our mortgage payments in late XXXX, and almost immediately raised our monthly payments by over XXXX  % ( from {$3700.00} to {$5000.00} ). This was mostly due to a unilateral change that Selene made in the escrow collection agreement that led to an overall escrow shortage of just over {$11000.00} ( a {$7000.00} shortage caused by Covid-related forbearance had been distributed over 60 months by the previous servicer, but Selene opted for immediate payment when they took over the loan ; unbeknownst to us, our homeowners insurance premium had also been increased by over {$4000.00} ). After filing a complaint with the CFPB and XXXX, Selene did adjust the monthly payment to {$4200.00} ( an increase of about 15 % ) but this was only after we were several months behind on mortgage payments. We were encouraged to apply for mortgage relief, but Virginia Mortgage Relief denied our request since the purchase price of our home exceeded their maximum ( we purchased our home in XXXX  XXXX, just before the crash ). 
Having dealt with Selene for the last twelve months, we have become increasingly convinced that they have no interest in good-faith negotiation. For instance, we applied for a loan modification, but after Selene dragged its feet on our application for three months, they returned an offer with a monthly payment of {$5100.00} ( an increase of about 37 % ). Consequently, we decided that our only option was to reinstate our loan.

Pursuant to that design, we sent a letter to Selene on XX/XX/XXXX, requesting an updated escrow analysis so that we could get an accurate reinstatement quote ( we had drastically lowered our insurance premium in XXXX and notified Selene of the change ). Selene refused to perform an off-schedule escrow analysis in a letter from them dated XX/XX/XXXX, and did not order an escrow analysis even though we sent a written request on XX/XX/XXXX, via certified mail and email. Selene finally ordered the escrow analysis on XX/XX/XXXX, after I submitted a verbal request to customer service and a new email request on XX/XX/XXXX. 
In the meantime, however, Selene has resumed the foreclosure process, and we were notified on XX/XX/XXXX, that our house will be subjected to a foreclosure sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2021 we received in the US Postal Service a written notification from Source RM. In it they claimed they were collecting debt of {$5800.00} on behalf of XXXX. We do not currently nor have we ever had an account with XXXX. Additionally, my last name was spelled XXXX, not XXXX, and there was an apartment number at our address but our home is a single family dwelling. 

On the same day we contacted Source RM at the number they gave to dispute the claim. When I discussed the incorrect spelling of my last name and the apartment number, they asked about an e-mail address attached to the account. The e-mail address was also not mine. They told us they would send out a fraud dispute package in the mail. 

On XX/XX/2021, we contacted Source RM to follow-up as we had not yet received the fraud package. They stated it had not yet been sent, the account was listed as in dispute, but they only have one person handling disputes and it may take longer to receive than 7-10 business days. They informed us we could dispute the claim directly on XXXX. 

One of the requirements of disputing a claim on XXXX is to provide a police report. On XX/XX/XXXX, a Pennsylvania State Trooper reviewed the letter from Source RM and informed us it appeared to be a fraud. He directed us to the consumer.ftc.gov to file a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions 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:
EXPERIAN has blatantly caused me reputable and financial harm by claiming to have verified a debt that they never Re investigated. I have proof in the attached screen shot where XXXX XXXX XXXX  refers to me as Ms . I am clearly a male and have attached a copy of my drivers license proving that I am a male in case there is still any confusion. The FCRA says EXPERIAN is supposed to perform a Re investigation to verify an account or they will be found liable for willful non compliance. EXPERIAN lied and said they verified this account when this account belongs to a female and not a male. Therefore it should have been removed from my consumer report when I disputed it for inaccuracy. I will be sending an invoice for the damages suffered as permitted by 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 2023-05-10
Company: TRANSUNION INTERMEDIATE 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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2019-07-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX my mortgage company was sold to Mr. Cooper. Before it was, I had an agreement with my company that as long as I was making the payment every month, they would not penalize me for an owed amount from the past. I filed bankruptcy two years ago and wanted to keep my house. I owed {$8000.00} and they agreed to keep it to the end of the loan. When Mr. Cooper took over the loan, they put it on the front of the loan and considered me more than a year overdue. When I asked them for a modification, XX/XX/XXXX, they told me I did not need to give them any information. About a month later, they denied me say they could not adjust the interest or principle. The funny thing is they never asked me for anything, but sent me a letter saying they got the " borrower response package '' I sent them. Next I tried to refinance, but no other company will refinance me because Mr. Cooper says I am a year behind. I tried to refinance with Mr. Cooper. I called and emailed at the beginning of XXXX. I received information that someone would be contacting me soon. I never heard from anyone even though I tried again to contact someone. Last week, I received a letter from a legal company saying I owe the full overdue amount and the full mortgage amount. Basically, this appears to be a foreclosure letter. My husband called Mr. Cooper today, they told him they would have someone call me about refinancing, " again '', and that most likely they won't because now we are over {$8000.00} behind. It almost feels like all of this was planned from the beginning. Like they have wanted to take my house from the start. They are crooked and a bunch of fraudulent people. Nothing they have promoted to me has happened and nothing they promised has happened. I was told the phone number I had was my loan specialists, but it is just a main operator phone number. My so called loan specialists never answers the phone. I was also promised that they would do everything they could to help, they have done nothing but said no from the start. I am going to lose my house, have no place to live or for my grandchildren to live, and it is all because of one crooked mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-31
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've recently had my identity fully comprised. It started on XXXX XXXX  and restarted on XXXX XXXX. They were able to access my online banking information and move money from my account into a newly setup account. I also have multiple credit inquiries on my credit report. 
XX/XX/22 XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX  XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX  XXXX Account Review Inquiry ) Please help me! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieved funding through goverment assistance covid-19. And recieved a goverment check for XXXX for deposit into my business account with Navy Federal Bank. XX/XX/XXXX the check was deposited and immediately flagged as a fake check. After reviewing and verifying the check a portion of the funds was released, XXXX and immediately on friday all acounts was froze and closed without warning or notification.When i called to check what was going on they said they had high belief that the check would not clear. I knew this was false because it was a goverment check. After verifing the check was indeed legit, they later said my account was set up wrong for my business account.After sending all the documents to correct they still did not deposit the check. Ater waiting on hold for over several hours they said the check would be returned and the account closed. I asked what day the process would start so i can notify the XXXX loan department and get a reissue of the check they are holding, they said up to & mounths to return the check! after i informed them that this would cause me to defult on the funding and miss the dead lines set for funding that i signed for they refused to give me a number to a complaint department or even a explanation on why the funds was held. I find the only reason they had for not releasing the funds was racially motivated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
This is my SECOND COMPLAINT, and Experian provided a vague generic response without justification and assumptions that it did not appear as if I submitted the complaint, when in fact, I did! Experian previous response ( XXXX ) did not address ANY of the disputes that I attached in my initial complaint! I provided the " Experian Dispute Letter dated XX/XX/2020 '' with specific accounts ( XXXX XXXX DEALER SERVICE ( Individual and Joint ) and (XX/XX/XXXX/XX/XX/XXXX XXXX XXXX ) areas on my credit report that displays inaccuracies and/or incomplete information, which they neglect to verify! I attached the U.S. Postal Service Certified receipt card date stamp by their representative on XX/XX/2020! I attached a copy of my credit report showing the differences between Experian and XX/XX/XXXX, which both have inaccurate and incomplete dates! I requested the source or contact information of who they used or how they verified said information on my credit report! I provided proof of my identity and the Experian response letter dated XX/XX/2020, lacking ANY information that DO NOT support their verification process, and yet, I received a generic response that does not show ANY basis that they lifted a finger to look into my complaint! Then Experian had the audacity to accuse me of using an outside source other than myself, when there is no basis of their assumption that this occurred! I feel INSULTED, BELITTLED, and AVOIDED because they refuse to take the time to verify the inaccuracies and incomplete information using a Metro 2 format ( Record Layout ) and e-OSCAR that I pointed out to them in this complaint that is UNEXCEPTIBLE! They should be held accountable for their indiscretions to properly address the concerns listed in my dispute attachments! I am an XXXX veteran that served 24+ years protecting my country, and I do not deserve to be victimized by Experian. If these accounts are not properly verified per the FCRA, the identified accounts must be REMOVED, and if not, I will escalate this matter to the next level!

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 2023-09-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 non-monetary relief
Consumer complaint received 2021-08-22
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I became a victim of fraud under false pretense, I think this is more common than we all know about. I was speaking to this man who was in the XXXX and advised the government was sending money to help him. This man eventually obtained my account information, login information, physical address. He took over my accounts, deposited checks, and caused a negative balance in two of my accounts. He also sent 10 XXXX to my address which was then sent to an address. My XXXX account balance was outrageous due to this. XXXX quickly addressed the fraud matter, removed the fraud charges and my account is back to normal. My two bank accounts have not been resolved, They are treating me like a criminal. They want me to pay everything back and keep saying everything is my fault. They are not communicating with me except to collect money. WHO PROTECTS ME, makes you never want to trust a bank ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX rec 'd phone call, caller ID - Chase at XXXX. Individual claimed to be XXXX and there was a problem with my cc ending XXXX. She asked questions, put me on hold 3-4 times, then never came back, but a man came on and did the same as XXXX and I hung up. XXXX I called Chase to check on a purchase I previously made and could not access my account. I called to talk with a person, to find out I had been scammed the day before for {$16000.00} for four transactions in XXXX. I was told I was not responsible for these charges and transferred me to the fraud dept. Two different individuals in the fraud dept. stated I was not responsible for these charges. One recommended I cancel my card, which was done. On XXXX an individual came to my house, identified herself, stating she was from XXXX County Dept. of Human Services and received a phone call from an individual she was asked, not to identify. She asked if I was scammed for several thousands of dollars. I replied, yes. She helped me contact three credit reporting agencies and advised I report this to the XXXX Police Dept. which was done. My attorney has sent an affidavit to Chase, stating not my charges, was received on XXXX, requesting a response. Chase has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b 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 response to consumer: Closed with explanation