BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We previously had a home that was mortgaged through Mr. Cooper. Prior to selling the home in XXXX, we had rented the home due to being XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Recently we moved to Texas ( XXXX  in XXXX XXXX, TX ) and wanted to get pre-approved for a home loan to start looking at houses. We found out that Mr. Cooper reported our mortgage as more then 30 days late on numerous months the previous year despite their being evidence of a payment being made each month. But, if you look at our statement it clearly shows that a payment was made each month. So, how could a payment be 30 days past due if there was a payment made every month? It does not make sense. Also, the home is in both my husband and my name, but the line items show my husband and I as having different months of delinquency? This is clearly wrong and despite having reached out to Mr. Cooper on numerous occasions to correct this error they are impossible to get a hold of. This has significantly altered our ability to be able to get preapproval for our next house here in Texas. This will be our XXXXXXXX XXXX XXXX prior to retiring, so the home we are looking for is our forever home. But due to their incompetence, it would seem we do not know how to manage our bills which is completely not true. We owned that home for 20 years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

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 2020-07-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a complaint against my former credit card company. 
Background : My previous credit card company was XXXX. 
During about 10 years of using that credit card, there were no late penalties or any problems. I also had set up auto-pay. 

In late 2019, the XXXX credit card was taken over by Citi. Thats when the problems started. Though I had transferred and/or retained my auto-pay arrangement, I later received a bill with late charges. 

I protested and kept contacting the credit card holder, but my protests were essentially ignored. ( XXXX ) I dont think the credit card company handled this matter in a fair way, and making a complaint. The card company erred by not putting my auto-pay arrangement into effect. It also erred by adding left fees on top of the balance. 

Yours truly, 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 monetary relief
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.

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 2023-09-11
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home 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:
Ive been submitting loss mitigation packages to AmeriSave Mortgage for over XXXX year as of XX/XX/2023. Ive submitted XXXX packages and I have XXXX currently pending. I send all the required documents, but the lender always state that they didnt receive my documents. I faxed and emailed the packages each time and they still act XXXX they dont have the documents. I spoken to XXXX supervisors but nothing changed. They told me as long as my package is pending the foreclosure process would stop. Today I was told that my package hasnt been approved, therefore I still have an active foreclosure date of XX/XX/2023 foreclosure date. I spoke to XXXX supervisors topday who stated that they would reach out to upper management and return may call. XXXX XXXX is listed as the processor, but I havent been able to reach her or the supervisor I spoke with today. 

I feel that this company has stringed me along for 11 months with false hope and havent processed my Loss Mitigation package. I can afford my home and I want to save my home. I just. Need a modification and I can resume monthly payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Friday XX/XX/XXXX they call me XXXX time in a row and have called everyday several times.

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 2018-09-06
Company: AES/PHEAA
State: OH
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 in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT. 

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( Transunion Sowing ) has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX  has been reporting inaccurate account type and monthly payment information. XXXX XXXX  XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2019-06-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
So I had applied for a line of credit through pay pal approximately 5 years ago or more .. had the line used paid it, recurved a few increased. Back in XXXX of XXXX I was a victim of identity theft and someone attempted to apply for an additional line in my name. Pay pal credit flagged it because the email was different from the one I had on file. I called they said they were going to investigate, and freeze the account. No one explained to me that I would not only not be able to use the line, I cant even access it online to make the payment, how Ive been doing it for years. Pay pal credit changed owners they are now owned by synchrony bank. Because of that know one knows what they will do to reinstate the account for something that wasnt my fault. I applied for a line of credit, its an opened ended loan, and I have no access to it. Its now XXXX and they still cant give me an answer but to reapply.. have my credit ran again. I dont see how this is right. Im not happy at all, and I plane on seeking legal action

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 2023-03-25
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: Account status incorrect

Complaint:
US DEPT OF EDU XXXX & XXXX Unpaid student loan collections. Please request XXXX at ( XXXX ) XXXX they correct the reporting on these accounts as these accounts should not report delinquent as student loans are covered under the COVID RELIEF ACT until XX/XX/2023.

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 2020-04-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX, 2020 " American Express '' cardholder XXXX XXXX and I agreed upon payment of a flat fee of {$10000.00} for professional legal services. I have a witness named XXXX XXXX who can attest to this. Payment was made in 3 separate payments ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ), one week apart from each other and with XXXX 's prior knowledge and approval. The legal services consisted of drafting very specific, unique and complex settlement legal documents between 2 parties ( XXXX and XXXX ) in attempt to prevent a legal matter from going into a lawsuit. These documents were prepared to XXXX 's unique specifications and provided to the both parties, who then decided between themselves not to execute the documents. 

Failure of the settlement has now resulted in a very large lawsuit against these 2 parties. 

In XXXX, 2020 XXXX sent a {$10000.00} " charge dispute '' to " American Express '' in an attempt to reverse the charges claiming he had " no knowledge '' of the charges for the legal services. " American Express '' investigated and confirmed to " XXXX '' ( my card payment processing merchant ) that the dispute was resolved in my favor. 

Today XXXX again contacted " American Express '' in what is clearly an attempt to commit " theft of professional services '' and dispute these charges. The services have been 100 % performed and provided in a timely and diligent manner. XXXX is abusing his card privileges with " American Express '' ( or " American Express '' is condoning XXXX 's behavior ) because I am aware of several other " disputes '' he has had with other professionals where he seeks to have charges for professional fees reversed in " bad faith '' and with the intent to harm professionals who provided his services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I took the updated XX/XX/XXXX Amendment naming me as Trustee to a Trust Account at Wells Fargo ( XXXX Branch ) in XXXX FL. I went to the bank on Thursday XX/XX/XXXX with a question about a bill pay check for {$17.00}, XXXX that had not been received. 

The Bank Manager, XXXX XXXX____, would not provide me with any information on the Trust Account, including the bill pay problem, because the account had not been " properly maintained '' BY WELLS FARGO. She said I had done everything right -- that WF had the Trust Amendment naming me as Trustee and had it since XX/XX/XXXX. But it had not been entered into the system so she couldn't talk to me about the account ... ..No explanation. She was working on it. 

I went into the bank on Friday. She was still working on it. 

In the meantime, NO INFORMATION ON THE ACCOUNT, INCLUDING A MISSING {$17000.00} CHECK, would be provided by Wells Fargo. 

I checked the account online today and it appears that the WF has not corrected its error. And {$17000.00} is still missing.

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 2023-12-03
Company: EQUIFAX, INC.
State: TX
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:
I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and Equifax. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: NY
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:
My XXXX account was charged off in 2017. It was settled and my credit report should no longer be reflecting a balance. As of today, it still reflects a balance, and it should not. Additionally, my report shows that charge offs have been occurring every month since 2017. There was one charge off in 2017. It seems that every time something changes on my credit report, it is reflected incorrectly by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX had closed there doors in XX/XX/XXXX which myself ( XXXX XXXX and my Daughter ( XXXX XXXX ) never new. XXXX XXXX wanted to go back and finish her degree but she couldnt do to the school was closed. XXXX took time off of collage in XX/XX/XXXX do to her having XXXX XXXX and she lost her nana and a good friend. I tried to talk to Navient about this collage closing and trying to get this parent loan of a XXXX dollars a forgiveness loan do to my daughter not getting her degree. Navient told me I couldnt get this forgiven end less I pay XXXX. Dollars for 6months en then it might be forgiven and I said there is no way I can pay this do to I lost my job do to XXXX lost there big XXXX account which they had to let everyone from US and XXXX go. I did get another job ( XXXX  ) but I only put in 20-30 hrs a month. I feel Navient is a big scam. How r u aloud to give a big loan and not check ur credit and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report 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 2023-09-11
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed an discover credit card account on my credit profile a few times, keeps getting rejected. I did not know at the time where this account started because i did not open it until recently. I had another account that was opened unknowingly to me and i had it removed from my report which made me dig a little deeper. My mother passed away recently and i was sent her belongings from relatives, inside her belongings was a bunch of credit cards. There were 4 cards in her possession that were under my name that i was not aware of. After putting the dates together i believe that she was the one to open this account and others under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has incorrectly calculated our Escrow. We have contacted the company 7 times regarding this matter. The XXXX department refunded the homeowner insurance the previous provider incorrectly purchased. However, our escrow balance has not been adjusted and they continue to charge us an extra {$50.00} per month for escrow. This has gone on for XXXX months and every time we call they say it will be fixed. We wait and it does not get fixed. This company is scamming us and our only recourse seems to be to sue them.

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