BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Mr. Cooper Group Inc.
State: NJ
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:
Please refer to document XXXX for pre -submitted supporting documentation. 


XXXX XXXX XX/XX/2023 Subject : Complaint Regarding Retaliatory Tactics and Account Status Changes To whom it may concern, I am writing to express my deep concern and dissatisfaction with the recent actions taken by Mr. Cooper Mortgage Company in response to my complaints. It has come to my attention that the company has engaged in what appears to be retaliatory tactics, specifically impacting my account history through repeated status changes. 
To provide context, I have been a loyal customer of Mr. Cooper Mortgage Company for almost 20 years and have always made consistent and timely mortgage payments. However, over the past few months, I have encountered various issues with the company 's services, which I have brought to your attention through multiple complaints.

My concerns primarily revolve around inaccurate reports on my credit statements, which are CONSTANTLY CHANGED FROM TIME TO LATE. This is poor customer service, and it's been happening since XX/XX/2023. During my efforts to address these issues with your customer service department, I have observed an alarming pattern of account status changes that directly affect my credit history and financial stability. 
It is disheartening to note that these status changes have occurred immediately following each of my complaints. While I understand that mortgage companies may need to review accounts periodically, the timing of these changes raises severe concerns about the company 's motivations and intentions. The sudden negative impact on my credit score and the financial stress these actions have caused me is entirely unacceptable.

I believe in open and honest communication to resolve issues, and I expect the same from a reputable company like Mr. Cooper Mortgage. I sincerely hope you will take my complaint seriously and investigate the matter thoroughly. I kindly request the following actions be taken : A comprehensive review of my account history focuses on recent status changes.

Transparent communication regarding the reasons for these status changes, particularly their correlation with my complaints.

Prompt correction of any inaccuracies or errors in my account history. 
Assurance that no further retaliatory actions will be taken against me due to my complaints.

I believe in fair treatment and resolution of issues, and I trust that Mr. Cooper Mortgage Company shares these values.

Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$420.00}

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 2018-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XX/XX/XXXX. In XX/XX/XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX/XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX  was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits portfolio Recovery from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AXOS FINANCIAL, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had to issue an initial complaint with the CFPB in order to get Axos to issue me a refund for {$410.00} that was debited via an autopay from my account on a loan that no longer exists ( was paid off 2 weeks prior ). Now I'm issuing another complaint because the refund check they issued bounced with my bank. I have now incurred a return fee. I've tried calling Axos and no one picks up. I'm on hold for what seems like forever. I also opted for their callback service 2x and no one has returned my call. Poor customer service. 

I need them to issue a new check and ensure funds are available this time or to ensure whatever caused the initial rejection to not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: TN
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 act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account Number XXXX, Account XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
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 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXXi ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.

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 2018-03-01
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. 
I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. 
I sent two letters, one with instructions and the other about the soft inquiries, see attached files..

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 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
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 have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from 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 non-monetary relief
Consumer complaint received 2021-07-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I created a Venmo business profile, after Venmo advertised that I could sign up for a business profile and make and send business payment for 30 days with " zero fees ''. I am a California-licensed certified public accountant ( CPA ), and my business is bookkeeping and preparing tax returns. 

On XX/XX/2021, a business client ( also based in California ) sent a payment of {$1200.00} USD to my Venmo business profile for bookkeeping services. I have not performed any other activity on my Venmo account. 

On XX/XX/2021 I received an email from Venmo stating : " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' The money my client paid me is trapped in limbo. I can not transfer it to my bank account and I can not return the money to the client. I also can not perform any other activity. 

As instructed in the email, I replied to contact Venmo. However the only response from Venmo was an automated email with links to forums that was of no help. 

I then resorted to the app and found an option to chat with support. After getting the run-around from chat bots for 20 minutes, I was able to connect to a, supposedly, real person, who promptly stated they could not assist and transferred my chat. 10-20 minutes later, I was connected to another supposed human, who also stated that they could not help me or provide any additional information. They informed me that the team that can help will contact me via email within 48 hours. There is no phone number or email address to contact this " team '' - I have to wait and watch for them to initiate contact. 

Today is XX/XX/2021. After 3 weeks, my money is still trapped in limbo. I can not return the money, I can not use the money, and I can not get a straight answer. I would warn anyone to avoid using Venmo because they can, for opaque reasons, cut you off and do real harm to a business that relies on them for their livelihood. Additionally, the advertisement for zero fees is practically a false advertising scam, because the first time I tried to transact my legitimate business with them, it locked my account and by the time it ( hopefully ever ) gets resolved, the 30nday XXXX  fees window will be long gone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 : GM credit card account ( Goldman Sachs ) was opened by someone using my ID information. 
{$7800.00}. was charged to the card. 
The issuing bank ( Goldman Sachs ) fraud detection algorithm recognized this account ( and others ) as fraud and immediately closed the account ( without contacting me ). 
Account was closed by issuer ( Goldman Sachs ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XX/XX/2022, 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

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 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: VA
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:
This was my 11th complaint already and I only NEED these four items removed from my Experian and XXXX credit reports, and that's what I need, the REMOVAL of these items I listed in this complaint. I have listed these items in my previous complaint dated XX/XX/XXXX and XX/XX/XXXX but neither among the items were removed by the Credit Bureaus. This time I am earnestly hopeful that the Experian and XXXX Credit Bureaus will remove this items that I know were not mine nor was opened or authorized by me : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief