BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The previous lender was XXXX XXXX XXXX until XX/XX/XXXX. XXXX  XXXX XXXX transferred the loan to Mr. Cooper. Prior to the transfer XXXX  XXXX XXXX granted me a forbearance. On XX/XX/XXXX XXXX  XXXX XXXX sent documents that the mortgage loan is approved for a partial claim and to return the documents by XX/XX/XXXX. The forbearance is for the period of XX/XX/XXXX until XX/XX/XXXX in the amount of XXXX The forbearance was executed on XX/XX/XXXX and returned to XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX accepted this document and filed the subordinate mortgage note in XXXXe County Clerks Office on XX/XX/XXXX. The lien is for XXXX and is payable to the Secretary of Housing and Urban Development. Mr. Cooper will not honor the subordinate mortgage lien that was offered, accepted and filed by XXXX XXXX XXXXXXXX and HUD. They continue to say I owe them XXXX Mr. Cooper has been provided with a copy of the subordinate mortgage note and proof of filing but won't honor it. On XX/XX/XXXX, Mr. Cooper sent me a letter that said " Per the XX/XX/XXXX call notes, you refused to pay the funds needed to book the modification, stating that you did not owe the post modification payments. As a result, the modification offer was rejected. The Partial Claim was not booked so there is not a second lien owed to Housing of Urban Development ( HUD ). The account is currently due for the full reinstatement amount. The amount to reinstate the loan is {$11000.00} ''. There is a lien filed and it is owed to HUD. Mr. Cooper representatives called me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanded that I make a payment of XXXX over the phone without any documentation. They would not accept any other form of payment. They stated that was the amount owed for the months of XXXX and XXXX. And I agreed to cooperate in completing the loan modification and if I did not cooperate that modification would be denied. Mr. Cooper has never provided me with any such documentation. In addition, pursuant to RESPA I have sent two " Qualified Written Requests '' to Mr. Cooper one on XX/XX/XXXX asking for the document they refer to as an agreement I signed that says I am required to make two mortgage payments over the phone in order for the modification to be approved. And another on XX/XX/XXXX disputing the " Escrow Review Statement '' where Mr. Cooper is claiming there is an escrow shortage. To date neither of the " QWR 's '' have been acknowledged or answered. My house is under contract and is ready to close. I am unable to sell my property because Mr. Cooper Fraudulently claims they are owed XXXX In additionally the payoff letter is also incorrect. The payoff letter is from XX/XX/XXXX thru the present. The subordinate mortgage lien covered the period from XXXX. Mr. Cooper is also wrongfully claiming escrow advances of {$4100.00}. The only payment made by Mr. Cooper for escrow is a tax payment of {$1200.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that { wells fargo } has listed { negative listing } on my XXXX file. 

To my knowledge, I have never had account with { WELLS FARGO }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from { WELLS FARGO } including copies of any documentation associated with this { negative listing } which bears my signature. 

In the absence of such documentation, I request that this WELLS FARGO be permanently removed from my XXXX report. 

For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: VA
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 this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX : # XXXX Account U S DEPT OF EDXXXX : # XXXX Account U S DEPT OF EDXXXX : # XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 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 2022-02-15
Company: Experian Information Solutions Inc.
State: LA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had requested a refund on payments made from XXXX to XXXX while the payments were on pause. They stated that it would process through within a few months. I had called multiple times from XXXX to XXXX inquiring about the location of a $ XXXX check that they said would be sent through mail via IRS XXXX No check was ever received. I called throughout. The beginning of XXXX ( XXXX through XXXX ) for information of the check location and they stated it was mailed out. I informed them I did not receive it and they said okay we can cancel the first check and send a new one, it will just take a little longer. I agreed and called a few more times inquiring about the status of the refund and they stated it was still processing. I call again XX/XX/XXXX and am finally informed that the check was mailed and cashed out XX/XX/XXXX and they would not be re-sending a new check. That I would need to file a police report for fraud. Why in all the months I've contacted and emailed nelnet was I not informed sooner of this issue? $ XXXX is a lot of money during this economy and it's infuriating that that amount can be unaccounted for for such a long period of time and I was not informed much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Colony Brands, Inc.
State: SC
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:
I have tried to be patient with Seventh Avenue. I am a faithful customer and pay my bills on time. I have NEVER been late. 

I have called them many times, talked to many Supervisors that promised to correct this issue and yet it still is affecting my credit report and scores. 

I've been denied because of the issue on other credit and vendor accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
Last XX/XX/2022 and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I keep disputing inaccurate personal information from XXXX, such as my name, address, phone number, and work history. I only have XXXX name, XXXX address, XXXX phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

XXXX is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from XXXX, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the month of XXXX, I received notification that Synchrony bank had closed 11 credit card accounts all at once. Their reason was because someone decided my accounts were indicative of risk. I have never missed a payment, never paid late, never went into collections on any of these accounts. I simply used the accounts and try my best to pay them in full as often as possible. Sometimes even making multiple payments per month. 

I called and spoke to a representative on XX/XX/XXXX named XXXX. He was an account XXXX. Upon review he said he did not know why the accounts were closed. He told a look at my credit and saw I did not have any delinquencies or collections. He asked about bankruptcy at which time I told him I have never filed for bankruptcy. In fact, I am in the process of buying a home and these account closures were going to adversely affect my credit. He said he would open an investigation and it take 30 days. It has been over 30 days and I have not heard anything so I called back. I spoke to another representative that could not offer any help. 

These account closures caused my XXXX XXXX to drop by XXXX points. I have since reapplied for new accounts on 3 occasions and all 3 were approved.

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 2023-05-12
Company: EQUIFAX, INC.
State: MI
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 submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted all three credit bureaus, Trans Union, XXXX and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX Only one address report to all three accounts, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX I have requested the following information be removed from all three credit bureaus as they were related to fraudulent accounts 1 ) XXXX : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, FL - Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Fraudulent accounts : XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX ) XXXX  - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Name XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - Name : XXXX, XXXX XXXX XXXX Fraudulent account : XXXX XXXX financial account number XXXX I have submitted all proper documentation relating to death and burglary from the XXXX XXXX police department I have received correspondence from both XXXX and XXXX stating they have updated the accounts properly and will not remove fraudulent accounts.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We are a coaching business ( XXXX XXXX XXXX ) that has been going for almost 2 years and we launched a new program that has been very successful. We were notified XXXX of XXXX that because of our increase in volume they were reviewing our account for risk and ask for us to provide them with information. We had a brief message from them with no detail and were told to arrange an appointment. We have been trying to do that but BofA customer service says they can only send the risk department an email. As all of our client payments go through this process they have essentially bought our small business to a stand still. We continue to serve our clients as they have paid in their opinion but Bank of America is holding our funds and refuse to transfer them. We have called every day but to no avail and we need the funds. This is the first time I have ever been penalized for success. They are causing significant consequential damages to our business.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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