BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is about the closing process on my Mr. Cooper ( aka Nationstar ) mortgage. The application process was quite easy and went smoothly up until the days before closing. My 'specialist ' went on vacation and her boss took over. I was then asked for proof of payments that were made over 5 months before. I was able to provide the required documents but was curious as to why I wasn't asked for them earlier. I was told that there was a random audit on my account and that certain documents were needed. If documents were needed for an audit, why weren't proper procedures followed from the beginning? They asked for additional documentation up until XXXX the night before closing. My drive to the closing was 2 hours and upon arrival I was told the closing was cancelled due to the fact that Mr. Cooper was not ready. I called the next day, complained, and was given a {$500.00} credit. I was assured that my closing was set for the next day because the lender had all the necessary documents. This was not the case. The closing was held up an hour while Mr. Cooper continued to ask for documentation. Even the supervisor who had given me the credit said that he was sure everything was ready. I don't need to mention how stressful a closing is. Do NOT use Mr. Cooper! They claim to provide excellent customer service when in fact they only add stress to an already difficult process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CMRE Financial Services, 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:
I went to XXXX XXXX XXXX for a medical problem on XXXX XXXX. I provided my medical insurance card. Per my insurance company XXXX XXXX XXXX, they received a bill from the hospital and XXXX but they did not receive a bill from the attending physician. They sent this to collection CMRE. It's showing on my credit report. If the doctor would have timely submitted the bill the insurance company would have paid it. Doctor/provided failed to submit a bill to insurance company. I never received a bill from either the doctor or collection agency. I am requesting for this derogatory credit report to be deleted from my credit report. I have disputed with credit bureaus and company and I never received any validation and documentation of this bill. The insurance company told me that the doctor/provider needed to have timely billed them but they never billed. Four years later this came up on my credit report which is past the billing allowable time. I have tried to resolve this problem with the three reporting agencies and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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:
All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2020-04-16
Company: CITIBANK, N.A.
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:
I bought a Costco membership at one of their stores on XX/XX/XXXX. Even though I have numerous credit cards I decided to apply for their specific Visa card through Citi, to get the best bang for my buck. The sales girl called them so I could give them my info. I was denied and told I would receive a letter stating why. Approximately a week later I received a letter stating that I was denied. 
This is what the letter states! 
You have filed for bankruptcy and your previous accounts with us was included in the filing. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
Your previous or existing account with us has a history of late payments. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
The credit privileges on your existing accounts are currently restricted. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency. 
XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I have trouble inserting things, thats why I did not send a copy. If need be, I can fax or e-mail. I contacted XXXX and they do not have a record of the application or a bankruptcy. They sent me a copy of my credit report. I have 2 other cards through Citi bank. A Master Card and a Best Buy Visa. I have never been late on any of my cards. I have spent hours trying to get to the bottom of this. Costco was on hold for such along time I told the girl to not worry about it. I have been transferred on the phone today with Citi for 3 hours, trying to find out where this false info is coming from. This is why I need your help. If Citi did this without even contacting XXXX  why would they lie about this? I am completely baffled!

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 2022-10-25
Company: EQUIFAX, INC.
State: IL
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 not supplied proof, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

I am not liabe for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX, MO XXXX. In the amount of {$260.00}. 

I am not liabe for this debt with XXXX XXXX and I do not have a contract with XXXX. XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX MI XXXX. In the amount of {$160.00}. 

I am not liabe for this debts with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. In the amounts of {$110.00} and {$200.00}. 

I am not liabe for this debt with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. In the amounts of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  Account unknown how do you verify this information this account is in violation it was reported without valid evidence 3. Under FDCPA Ive filed a civil suit against this credit bureau and XXXX XXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CT
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 Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent a letter out on XX/XX/XXXX and XX/XX/XXXX to XXXX, and Transunion. However, the credit bureaus said the completed the investigation and everything was % accurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-03
Company: TOLL BROTHERS INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, we have purchased a new construction home to by built by Toll Brothers in Washington State. We were told that we needed loan approval from Toll Brothers Mortgage ( TBM ) in order to complete the purchase. We applied and were approved for a loan, and TBM offered us a float down rate lock. Before entering the agreement, we specifically asked our loan officer via phone if there was a lock-in cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs. However, now that we have found better options, Toll Brothers is claiming we owe them {$10000.00} ( a rate far above market average ) which will be added to our closing costs. 

In hindsight, despite our preferences to communicate with TBM via email, we suspect they insisted on only ever answering our questions over the phone by calling us at random times was to mislead or withhold information from us without a paper trail. 

The lock-in agreement further states that the contract is null and void should this {$10000.00} not been paid immediately on execution of the agreement. No one contacted us about paying this {$10000.00} even though the agreement states that this would be due immediately on entering the agreement. 

When we expressed our intent to work with other lenders, TBM notified us about this {$10000.00} hidden cost. We tried to dispute this cost, to which TBM informed us that behind the scenes, Toll Brothers silently fronted TBM the lock-in fee on our behalf, so therefore we now owe Toll Brothers {$10000.00} on closing. 

To summarize, we were misled in our discussions with our loan officer about rate-lock costs and we have neither seen nor signed any documents giving Toll Brothers consent to pay hidden costs to TBM on our behalf. We believe the misleading practices they have engaged in are wrong and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-04-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX Tried to access digital banking from home computer. Got error message that information provided was incorrect. Attempted again being careful to enter correct credentials. Again got error that information was not correct. Attempted couple more times but was unsuccessful. 
Contacted digital banking support number. Initial troubleshooting attempts were unsuccessful. Was told that happens sometimes and to clear browser cache as well as reboot computer. Both did not rso.ve the problem. Ask for someone else to talk to. Said try again another day. Asked for someone else. Repeated same deeps but still failed. Asked for a manager or supervisor. Got access only if I changed my password. Logged out and tried to login using new password. Same problem as before. Only if I change my password can I get into my account. Changed it 3 times but when attempted to log back in it fails. 
XX/XX/XXXX Still having problem. Went to branching and talked to a banker. Was able to login using their computer. Told me must be an issue with my computer. Have no problems with accessing any other financial sites. 
XX/XX/XXXX XXXX a call from VP of the branch. Told me it is my problem. Tried to contact the last person I talked to on XX/XX/XXXX but could not reach him. Later VP called me saying they had a major update the previous week and some people were reporting problems. Said I should use my mobile device or Chrome browser on computer. VP said he would contact me when it is fixed. 
XX/XX/XXXX Contacted VP of branch as to the status. Told me it only affects some people and I should just use my mobile device. 

It is difficult to view my statements on a small screen. As this bank " encourages '' customers to use digital banking I would expect that they should address technical issues and not limit customers to only use one type of device or software. Issues like this should be addressed and not try to blow off customers, especially long time customers.

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 2023-08-29
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Unable to reach AidVantage customer support in response to letter received XX/XX/2023 for details of loan. Loan information and disbursement dates are incorrect, amounts do not match credit report. I am unable to log into Studentaid.gov, error occurs that account does not exist using my SSN and personal information from student loan. AidVantage sent a letter to start auto payments on school loans that are not accurate, to reflect school information, or have full payment history. AidVantage cutomer support line goes to a hold status for wait period up to 45 minutes or more. Company is threatening to debit my bank without my authority, unable to reach them to cancel/change and receive loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
As you may know as a consumer reporting agency there is a need to insure that Transunion excise their grave responsibility with fairness, impartiality and respect for my right to privacy. All of which Transunion has failed to do, they have disregarded my confidentiality, the accuracy, relevancy, and proper utilization of information being reported on my consumer report. Between XXXX I disputed the bankruptcy reporting and everything related to the bankruptcy as it was and still is unverified, inaccurate, irrelevant, unfair and inequitable. I have reached out to the Bankruptcy court myself and received a letter that verifies that no information was provided to the consumer reporting agencies but instead they continue to report and state that the information " is verified '' by the court that is allegedly reporting when no one can verify it as it was not given to them. I further sent a dispute to XXXX XXXX who is the holder of this information ( not the court ) has sent me a letter stating that all the information for the bankruptcy records determinate that the data being reported is " UNVERIFIABLE '' ( See letter from XXXX XXXX ATTACHED ) My reputation and character has been intentionally ruined since XXXX because of the false, misleading, inaccurate, and irrelevant reporting. I have suffered alot from this as I am not able to get into my own place, I am also not able to get anything for my personal, family and household purposes due to their negligence to apply reasonable procedures to properly investigate this matter.

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