BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I previously requested mortgage assistance under Covid 19 due to the pandemic shut down and my inability to file the documents on time form long hours of work. I submitted a loss mitigation package to Mr Cooper and I was informed that it was currently under review but that additional documentation was needed to complete the review in the underwriting department. I was not able to submit the documents in a timely fashion and NationStar Mortgage D/B/A Mr. Cooper closed my request for mortgage assistance and contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file motions to appoint a selling officer to sell my property in which it occurred on XXXX XXXX. When I returned from work, I started doing an investigation into the mishandling of the loan modification under the Cares Act and denying my request because I was working long hours and could not submit the documents on time. I then started research on the law firm XXXX XXXX XXXX which I noticed that they received an approval for PPP loans in the amount of {>= $1,000,000} and more loans for {$540000.00}. & {$250000.00} On XX/XX/XXXX they received this financing and reported that this law firm that is run by XXXX XXXX and his son, which is two employees indicated on the application that this law firm employs XXXX people ; which is impossible. On the second application dated XX/XX/XXXX they received additional funding of {$540000.00} now this law firm is reporting XXXX jobs please see Exhibit A and B. This is clear FRAUD committed against tax payers and congress by this law firm that has a reputation of fabricating assignments of mortgages and fraudulent paperwork to obtain judgments in from of the XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CITIBANK, N.A.
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:
I noticed on my XXXX report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called XXXX and they said " it belongs to me ''. I don't have an account with Citi Bank. I went to a Citi Bank location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with Citi Bank or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit 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 non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have some unauthorized inquiries appearing on my credit 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 2023-09-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Best Buy credit card ( provided via Citi Bank ) about two years ago. I got this card because they advertised a low APR & monthly payments. According to what they showed me at the time of signup, my monthly payments were only supposed to be {$29.00} a month. Today ( XX/XX/23 ) I found out theyre trying to jack my monthly payments up to {$89.00} a month. I recently became unemployed, and can not afford that. I told them this is not the monthly payment plan I signed up for, and they tried telling me that the monthly payment can fluctuate. This is not what I signed up for, and I would not have gotten or used the card if I knew they were going to try and pull something like 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 2023-03-11
Company: EQUIFAX, INC.
State: TX
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX 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 an 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 or 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 2023-01-25
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 {$110.00} XXXX & XXXX XXXX XXXX XXXX {$960.00} XXXX & XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2017-05-05
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022.

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 2017-05-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I 've called in today when I realized my loan payments are going up again. First off the interest rates started rising in  XXXX  in a   XXXX    month period they 've increase my interest rate to 10 %. I actually called in regarding the interest as well as IBR. My private payments are now at $  XXXX  I 've requested assistance in lowering my payments and event explained that these payments are not long term sustainable and it seems like they are trying to force me into default. I 'm at my end of the rope there solution was to basically find another job or lower my payments temporarily only for them to spike  XXXX  years later I already work a full time job and have no additional time for a second job. They are not willing to even work with customers with good payment history. I never call in I 've always just paid the payment but this has become rediculous l because of this I 'm on the verge of being homeless due to these payments they recommended letting things escalate to collections. Again that is not an option you call them to work out ways to keep from defaulting. This is  XXXX   XXXX  all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.

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 2023-09-22
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2017-05-05
Company: Coast to Coast Financial Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete information off of my credit report that isnt mine. I have filed the identity report stating that these accounts are not mine and that my identity may have been stolen.I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
best buy/cbna XXXX i am not liable for this debt with best buy. please remove off my credit 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 2023-04-17
Company: HANCOCK WHITNEY BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hancock & Whitney bank allowed someone to open XXXX checking accounts and XXXX savings account using my information. Then proceeded to let them draw {$250.00} from XXXX acct with a {$0.00} balance, {$100.00} from another acct thaty had a {$0.00} balance, and {$50.00} from another acct that had {$.00} in it. I can only assume the one with {$.00} was the first account. All of this was done using my name and SS # I presume, as the welcome letters, overdraft notices and the debit cards all came to me. It appears to me that it would have to be someone in XXXX XXXX XXXX bank as they would've had to go into a bank to make withdrawals. At the beginning of XX/XX/2023 I ran my credit and have not seen anything on there so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On  XXXX / XXXX /  XXXX  , I contacted Great lake s Borrowing Service to discuss concerns regarding  how interest is being applied to my student loans. I have  XXXX  loans serviced by Great Lakes s Borrowing Service.    XXXX  balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of  8  payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) 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.

Also, the credit bureaus took more than 30 days to complete their investigations..

Please find attached tracking numbers for certified mail. 

Equifax- XXXX Account XXXX also- XXXX Original creditor- XXXX XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking- XXXX Account number- XXXX Original creditor- XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, XXXX.

Company response to consumer: Closed with explanation