BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to reach Cooling and Winter attorneys at law in XXXX, GA for a judgement for garnishment filed in a county that I do not reside in and sent to an address that I haven't ever resided at. This debt is not owned by me or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Credit reporting 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:
This company furnished my consumer report without my written permissible purpose.

The law states : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didnt give any written instructions for this company to furnish my consumer report under no circumstance.

The law states : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Company: Brightfunders, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello : My complaint comes down to my loan officer not only failing to lock in the agreed upon interest rate for my refinance, but failing to inform me of his mistake until three weeks later. 

XX/XX/21 XXXX XXXX XXXX ( XXXX XXXX & Ohio # XXXX ) of XXXX ( dba of XXXX XXXX, XXXX XXXX, emailed a loan estimate to me with what were supposed to be the rates/terms/conditions ( 2.125 %, 15-yr fixed, 2.25 % APR ) we verbally agreed to over the phone. Instead, the origination charges were higher than we had agreed and I asked him to send me a revised loan estimate with their fees lowered so that the APR did not exceed 2.25 %. Mr. XXXX told me he was leaving for the day but promised to get the revised loan estimate to me the next working day. 

XX/XX/21 Mr. XXXX informed me that he couldn't lower the fees any further. He stood fast on the XX/XX/21 loan estimate promising he could get that one done. I still agreed to move forward and submitted the signed loan estimate on XX/XX/21 ( my wife did so too ). All of the income/asset/ID documentation Lower.com asked for was submitted immediately thereafter. 

XX/XX/21 Later that same day, I was contacted by another lender ( XXXX XXXX ) who informed me they could beat XXXX XXXX quoted loan estimate if I would complete the refinance through them. I considered it and declined having already committed to Mr. XXXX and XXXX 's rate/terms. I felt that I was morally bound to follow through on that promise just as they would fulfill their end of the deal. 

XX/XX/21 I heard nothing further from Mr. XXXX or XXXX for the interim period. On XX/XX/21 I received an email from Mr. XXXX ( three weeks after the loan estimate was signed by both parties ) saying that he did not lock my loan rate and he was no longer able to do the refinance loan he had promised. He offered to do the 15-year loan at 2.375 % with no points. I asked why he didn't lock the rate and waited 3 weeks to tell me he had failed to do so. The call was recorded, so his words will speak for him. Basically, MrXXXX XXXX claimed it wasn't his fault. I really don't care whether it was ( as I suspect ) a rookie mistake, or XXXX messed up, but I have been damaged. 

I did contact Owning.com to see if they could still beat XXXX XXXX original loan quote. They said they could not. I told Mr. XXXX I had been damaged, not only by him not locking the loan, but by not telling me he messed up to give me the opportunity to refinance with Owning.com. 

The cash savings over five years that I would have realized with Mr. XXXX XXXX original loan quote netted out to be {$5700.00} ( {$11000.00} in less interest paid minus the {$5500.00} in new loan costs ). I offered to settle the damages with Lower.com for a flat {$3000.00}. My offer was refused and they sent me an email saying the loan was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
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:
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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian 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 of 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 2022-03-06
Company: EQUIFAX, INC.
State: UT
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:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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:
XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION 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 2021-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive called equifax on numerous occasions asking them to please allow me to be able to see my credit report. They havent updated my credit report with 3rd party reporting companies since 2018. Every time I call equifax they try to force me into signing up to see my report only through them. They also are telling me that its on the 3rd party reporting companies to update it which is false. I told them the error code that all the 3rd party companies are getting and all 5 of the representatives said that I would just have to sign up with them and thats the only solution. This is false and inaccurate information. I should be able to look up my accurate report or scores on any site that offer it such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  etc.. This has been very inconvenient to me. I will also try calling them back and this time I will get the reps name and badge number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Each time I contact my mortgage servicer regarding an issue with my account they refuse to assist. I have been working on a refinance to get away from Mr. Cooper for the past month and scheduled my closing around their escrow payment date that was shown on my on-line account as well as verified by a customer service representative to have Mr. Cooper not make the escrow/tax payment on XX/XX/XXXX as they stated it was scheduled for. I have contacted Mr. Cooper several times through their customer service telephone number and each time I ask to speak with management to file a complaint, after 40 minutes to over and hour each time I am not permitted to speak with management. The tax payment took 8 days for them to process once I was able to get to the right person to accomplish the task. I have called the Mr. Cooper Corporate telephone number listed on line and it advises their corporate hours ( which I am calling during the time they are open for business ) to have the calls immediately transferred to the customer service queue. My mortgage servicing was transferred to Mr. Cooper in XXXX and they have made 3 major errors on the servicing in that short period of time as well as holding payments in suspense for no reason instead of immediately processing them. The first major error was applying my first payment to them to principal and then advising I had not made a payment on the account, the second they applied monies sent through their website specifically as an escrow shortage payment to principal, the latest was not paying my taxes on or before the date they showed on line as the payment due date which as I stated was verified by a customer service representative that the payment was being made on XX/XX/XXXX. I want to speak with someone in management and I am refused access to management. Mr. Cooper 's customer service is terrible, unprofessional and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
there are inquiries that I don't recognize on my credit report that I would like for them to be removed.

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 2022-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a mortgage loan modification in 2012 and I believe I was deceived into signing papers to save my home. I was told numerous times over the phone by Nationstar Mortgage that I qualified for a loan modification because I had successfully made all my mortgage payments. Yes, I made all my mortgage payments, so why did they ( Nationstar Mortgage XXXX add an additional {$260000.00} on top of my original mortgage loan with the modification??? I was deceived and lied to and this is a SCAM by Nationstar Mortgage. I made all my mortgage payments and paid all late payments. Then I made additional trial modification payments and I was told on the phone I would not get any additional fees because I made all my payments to qualify for the loan modification. Did Nationstar Mortgage pocket and dissapear all my mortgage payments I made prior to the loan modification??? I just now realized that they ( Nationstar Mortgage ) committed FRAUD with me because they added additional fees to my mortgage loan that I never had before. Please help me to remove the amount of {$260000.00} that Nationstar Mortgage added to my mortgage loan by FRAUD. Nationstar Mortgage lied to me and deceived me into signing papers to do a mortgage loan modification with the Nationstar Mortgage, which now changed it 's name to Mr. Cooper Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Old information reappears or never goes away

Complaint:
I have seen an collection account on my Equifax report that is old and has been resolved. Equifax has refused to remove it even though the alleged collection agency has confirmed that they have closed this account and are no longer pursuing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 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 explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation 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 2022-02-24
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 I got paid my monthly check of XXXX I went to town to buy what I could afford for the month and pay bills I ended up losing my wallet I went home went to bed by morning still no signs of finding my wallet so I called the ace elit card automated system to check bal and cancel my card well there had been XXXX $ dollars spent from my card and but was still pending I called emedietly to figure out the what was going on the there had been money spent on there I did not do of a western union of sorts to a foreign country they told me at net spent I had to call back the next day of XX/XX/2022 because that it was still pending in so thats what I did they filed the dispute but told me I had 10 days to mail them a typed or written letter to dispute the unautherized transaction on my Card well I did exactly what they asked of me and they told me that I did not send them the typed letter they asked for with in 10 days witch I mostsertantly did on XX/XX//2022 is the date they told me to write the letter in 10 days so they can temporarily pay my funds back to me until the most wait of 90 for them to investigate my case and I'm now sitting in the hole XXXX dollars and they claim by mail Ed letter saying I did not compli with in the 10 day mark and I have a email poof that I did XXXXomplie just yesterday I got the letter in the mail XX/XX/ 2022 I emailed them back sending pics of my inbox sent out box and what I got in the mail they replied stating that that dispute was not from card holder well I'm pretty sure I am the card holder and I'm positive that was my email they got that from but it wasn't the card holder that sent it?????

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.

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