BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan through Mr. Cooper and went into a pandemic-related forbearance plan in XXXX of 2022 after my income lessened by 40 % due to sales slowing/not bouncing back due to XXXX. 
I was told numerous times by Mr. Cooper 's customer service team on calls that at the end of the forbearance, there will be options for repayment such as slightly increasing my monthly payment amount for a set duration, a deferral, or modification but was reassured that a lump sum would not be required. Even in the exiting a forbearance paperwork sent to me, they say there are options available and do not say a lump sum would be required. 
I have now been told that the only option for me is to pay at minimum 10 missed payments and that I can spread out 2 months ' worth of payments. This is completely contrary to what I was told repeatedly and not feasible. The customer service staff I spoke with said there are no other options available and that I should look into borrowing money, short selling, or providing a deed in lieu. I have been completely misled by their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: CO
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, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: PREFERRED CREDIT INC
State: GA
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:
XX/XX/2021 the full remaining balance of loan account XXXX with Preferred Credit was paid in full. Prior to this in XXXX the balance was paid 50 % off. I called Preferred Credit multiple times in XXXX, XXXX and XXXX to ensure these payment updates would be reflected and they were not. I called the credit bureau XXXX multiple times and not only was the information never corrected their questions used to identify my identity were accounts that were not mine or did not have a valid answer. When I informed them of this they hung up the call after one to two hour hold times. I disputed this online twice and the last time on XX/XX/2021 confirmation : XXXX and the investigation should have been completed XX/XX/2021, but it remains locked with no results. Therefore, I can not dispute it again because it shows active but nothing being done to resolve it. I have called the credit bureau XXXX and they have refused to fix it. I have called Preferred Credit and spoke with two Supervisors one XXXX and explained how it affected my credit score and needed to be removed from my credit report and it was not fixed. I emailed complaints with supporting documentation on XX/XX/XXXX and XX/XX/XXXX and have not received any responses. On XX/XX/XXXX again my credit score went down XXXX points on XXXX with no explanation or supporting documentation and this account remains on there. I need this preferred credit account removed immediately and my credit score updated immediately. I would also like to file a formal complaint against XXXX for knowingly reporting false information, refusing to correct false information and knowingly allowing my credit score to be impacted by this false information. I also want to file a formal investigation into Preferred Credit for refusing to ensure correct information is reported to the credit bureau and causing harm to my credit score and ability to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: HI
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:
Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a federal employee and qualified for student loan repayment ( SLRP ). Near the end of my aid payment my student loan servicer transferred from Great Lakes to Nelnet. After my last SLRP payment was processed, my account balance was approximately XXXX dollars between XXXX loans. So I made a payment of XXXX dollars on the account. This payment is reflected in my payment history in my account on their website as well as my bank records. However, next time I looked my balance did not reflect being half paid, it actually went up XXXX dollars. I figured it would adjust when it was fully processed and gave it some time and emailed them about it. 

XXXX I made a payment of approximately XXXX dollars, the balance reflected on their site that I owed. Where the extra XXXX dollars came from wasn't clear as it didn't make sense as interest, but I didn't really care, I was paying my loan off. That payment was applied to XXXX loan and it was reported closed in XXXX to the credit bureaus. However the other loan still is reported as outstanding at a balance of XXXX dollars now. 

I recently filed a dispute with the bureaus to get the correct information as Nelnet 's site doesn't reflect my account paid off, nor accurately provide details as to what is going on and didn't even match their provided statements, and they're entirely uncontactable. The dispute was looked into and they reported back XXXX loan closed in XXXX, and no data for XXXX, conveniently when my XXXX dollar payment was taken but apparently not applied. 

I have screen shots of the account balances, the payment history, and bank records. I have tried contacting Nelnet which has proven to not be possible any other way than by email to which they do not respond. I disputed the balance with the credit bureau to get accurate information and they report they have no data for the month. Yet here I sit still getting charged interest on a loan I paid off XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: DISCOVER BANK
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:
I tried to set up automatic payments with XXXX XXXX  but their system was down. I XXXX  XXXX XXXX and missed a payment because I thought I had set it up but didn't. I paid the payment straight away and reported the problem of their system being down but they said they wouldn't fix it. I have screen shots attached to this that show the system being down at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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: Account information incorrect

Complaint:
I HAVE ASKED XXXX, TRANSUNION AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXX AXXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$24000.00}

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 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
FEDERAL CRIME OF IDENTITY THEFT 18 U.S.C 1028 I going over my credit report and encountered soft inquiries which I did not allow I am coming to fix this issue before I file a civil suit. 

I never authorized BOA to run my credit : I demand compensation for this cause. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am willing to forgive this incident for the amount of XXXX with in 10 days of XXXX  since this is an emergency

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2023 I did work for a client and was paid by her via Zelle - her bank XXXX, paid my bank XXXX XXXX  In XX/XX/2023 Client was reconciling her bank account and didn't recognize the transaction from XX/XX/2023, she called XXXX and complained - XXXX  logged it as Fraud and returned the $ to client from my account XX/XX/2023 XXXX XXXX  called me and notified me of a fraud claim against me- I explained it to them and sent them invoices and the work I did for the client XX/XX/2023 I asked my bank to unlock my Zelle account since I couldn't send money or receive it They notified me to contact the claimant - XXXXXXXX XXXX customer - and have her rescind the fraud claim Both banks have opened my Zelle account, but Zelle still has me locked out with no way of removing my suspension They are acting as judge, jury and executioner - I thought we were innocent until proven guilty Zelle doesn't work like that and needs to be held accountable for ruining my reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist 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 explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2022-05-17
Company: Experian Information Solutions 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:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/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