BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-02
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I got far behind on my payments due to serious XXXX  problems that caused me to miss XXXX months of work. I requested a loan modification or refinancing. I was denied both. My home is now in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was working on my credit and I was thankful and excited to see my score going up. I had planned on getting one card and possibly a small loan and would work on my credit for a year or two. While at my parents home, I mentioned to my family that my score was going up just as any child would tell their parents to make them proud. I didnt realize it at the time but my brother in law had several of his friends and family over that day but I didnt think I was loud enough for someone to hear that I was being sent credit card offers from capital one, XXXX XXXX, XXXX XXXX XXXX  and more. I thought I could trust eveyone in the room but there were a few I didnt know. Now I do not know if this is how the fraud started but I do remember talking about Capital one and a couple of other banks sending me card offers because I was excited to see my credit growing after 10 years!! A whole year went by and I didnt know what was going on at all. 

In XX/XX/2022, I found out that a Capital One credit card for the amount of {$300.00} had been opened in XXXX of XXXX, a limit of {$600.00} with XXXX XXXX through XXXX XXXX  and several credit inquiries preformed on my credit report. The XXXX XXXX account was opened near the same time as capital one. I immediately emailed and told capital one and XXXX XXXX  that I was a victim of fraud. Capital XXXX stated they would send me documentation of any charges and dates but I had to go get information myself. 

I didn't write the companies but I did call and did everything I knew to do but maybe I did something wrong. I say that because now I have charge offs on my credit report for capital XXXX and XXXX  XXXX. The credit collection agencies are XXXX bank for XXXX XXXX for {$410.00} ( a settlement ) and XXXX XXXX Incorporated for Capital One for {$470.00} ( settlement ). 

What do I do now???? I need to get my credit report updated and be able to apply for a credit card that I am being sent preapprovals for as well as a personal loan but this sure has messed things up for me and my credit score is low when I need to be able to make payments on items by getting approved for a card and/or a loan so that I can. Afford the items I need. 

Please let me know what to do. 

Thanks! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a gift Visa debit card from US Bank National Association, it directs you to XXXX for account information then once you login, it tells you to call XXXX ( also on the back of card ) to choose a pin. However the phone number always immediately disconnects the call, resulting ultimately in not being able to use the {$50.00} at all. 

I am unable to ever connect/ get through to that phone number even after trying multiple times, different days. It instantly just hangs up on you. 

Is this a scam?

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 2024-01-30
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX my account was hacked for XXXX it caused an overdraft fee to occur and the bank applied a {$50.00} credit on my checking account. The bank stated that I withdrew the money at a gas station in XXXX. I never withdrew the money from the banker at Regions in XXXX XXXX GA, even said the withdrawal times didn't make sense but region corporate refused to refund the money into my account. They currently owe me {$80.00} I have tried over and over again to get this resolved and Regions has failed again and again.

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 2024-01-19
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I rented a Compact car at XXXX  XXXX  Car through a reservation made at XXXX for {$360.00}, of which {$140.00} would be collected by XXXX  at the pick up of the reservation. After concluding the rental I received a receipt where I was wrongfully charged an upgrade that with tax totaled {$220.00} in addition to the {$140.00} owed. I tried contacting XXXX to dispute this charge to no avail so I disputed it with my credit card through XXXX XXXX. XXXX Bank was able to successfully dispute the wrongful charge of {$220.00} but now I am being contacted by a Collection Agency, Transworld Systems Inc, saying that I still owe this money. I have spoke to many representatives at both XXXX  XXXX  and Transworld Systems Inc and have gotten nowhere. They constantly transfer me and put me on hold until I am disconnected. I do not know what to do about this wrongful debt as I thought it was resolved with my bank and do not want it to hurt my credit.

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 2024-01-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Around XX/XX/XXXX I received a credit monitoring alert that my student loan was paid off and was reported by Mohela as having a balance of {$0.00}. My account showed a balance of {$0.00} on the Mohela web page as well. 

I reached out to Mohela and exhausted every way possible of speaking to a customer service agent to discuss this change to my credit report and was never answered in any kind of way. Because of all of the forgiveness going around I naturally assumed that I was also forgiven like so many others, and proceeded to make purchasing and credit decisions based on this new lower debt status. Then a week ago I was sent a bill with a letter that states I was taken out of forbearance, and my payments would resume as normal. My credit file was also updated to having this debt and my credit dropped because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My student loans were transferred to Mohela several months ago. On XX/XX/XXXX, I submitted a consolidation application and an income driven repayment application ; both of which are still " in review '' per studentaid.gov. 

For years, I have qualified for income driven repayment and my income has not changed so I do not anticipate it will change this time. However, Mohela has me schedule to start paying over {$700.00} a month beginning XX/XX/XXXX. This is half of my monthly income, if not more. 

I can not reach a representative at Mohela due to extended wait times that I can not accommodate. I have submitted complaints with Mohela and XXXX, but the due date is fast approaching and I can not afford the payment they are seeking. 

Sending a bill for a loan that has an incomplete application is unacceptable and feels 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 2023-12-12
Company: Experian Information Solutions Inc.
State: AL
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-23
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX, XXXX XXXX XXXX put my XXXX XXXX  account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-22
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been trying to resolve my debt with possible finance and when I tried to, they emailed me back & told me that the account was sold to a collection agency & that I'd have to reach out to the collection agency to settle the debt. I then responded informing them that the information that they are reporting on my credit isn't correct. They are reporting a balance on my credit when in fact according to the fair credit reporting since they have sold the debt it shouldn't be reporting on my credit with a balanced owed to them. They never responded to the matter & my credit still states this false information. I've attached the one communication l got from them stating that I didn't owe them anything & to reach out to collecting agency it was sold to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
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:
I purchased the home at XXXX XXXX XXXX, XXXX, MN with my ex-husband, XXXX XXXX on XX/XX/XXXXXXXX Due to financial hardship, we refinanced our modest mortgages on the home on XX/XX/XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. We took out a mortgage with XXXX for {$160000.00} and were required to also sign a separate second mortgage to XXXX for {$42000.00}. Specialized Loan Servicing ( " SLS '' ) began servicing the junior mortgage on XX/XX/XXXX XXXX XXXX according to its internal records. SLS did not timely abide by the notice of servicing transfer guidelines under 12 USC 2605 or Minn. Stat. 47.205. subd. 2. 

Due to financial hardship, I filed for XXXX XXXXXXXX bankruptcy protection on XX/XX/XXXX. An attorney filed a proof of claim as representative for SLS as " Attorney in Fact for XXXX XXXX XXXX XXXX as Trustee '' on XX/XX/XXXXXXXX XXXX  listing the total debt of {$42000.00}. No documentation was provided in the bankruptcy case nor recorded on title to show either SLS or XXXX 's interest in the underlying loan, mortgage, or the property. SLS accelerated the loan on or before XX/XX/XXXX but then did not complete foreclose within the 15 year statute of limitations under Minn. Stat. 541.03. 

I subsequently filed for XXXX XXXX  bankruptcy protection on XX/XX/XXXX. An order of discharge was granted on XX/XX/XXXX, which included a discharge of personal liability on the junior mortgage. 

In late XXXX, SLS suddenly began reaching out to me with new attempts to collect on the debt, threats to foreclose the junior mortgage, and pressure to enter into loss mitigation to pay an amount almost three times the original amount of the XXXX junior mortgage. I was confused and questioned whether this was a scam and against the law given my bankruptcy discharge in XXXX, and having heard nothing from SLS since XXXX about making further payments on the junior lien that was written off. In these activities, SLS violated 15 U.S.C. 1692f ( 6 ) of the unfair debt collections act and several provisions of Minnesota Statutes Chapter 58 relating to mortgage servicer standards of conduct. SLS is also in violation of the terms that it agreed to in the Consent Order with the United States of America Bureau of Consumer Financial Protection filed XX/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 explanation
Consumer complaint received 2024-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a repossession being reported and it should not be. After reviewing my credit report I found there to be a major error. Credit Acceptance did not provide me in advance with the proper documentation prior to the repossession. I received absolutely no Notice of XXXX or any kind of XXXX Notice. This is has already caused me so many problems and now by incorrectly reporting it on my credit it is causing me more unnecessary stress.

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 2024-01-17
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I started calling XXXX on XX/XX/XXXX regarding a hail claim. It takes forever to get through their automated system. I think there were more than 20 questions and several were repeated more than once. I eventually agreed to leave my contact information to have someone call me back. It said I would not loose my spot in line if I left a message to call me back. No one called me back for the next three days so I called again. 

I called back on XX/XX/XXXX. Per my notes I was on the phone 42 minutes, then spoke to XXXX. He opened a claim profile and sent me the package. We had some discussion about my claim since it was over {$40000.00} where they want me to mail them the check and sign it over to them, whereby they would disperse when they were satisfied their requirements were met. XXXX told me since my initial check was under {$40000.00}, they would endorse it over to me so I could get the repairs started but once the total paid went over {$40000.00}, they would go into their more involved process where they required I endorse the funds over to them and then they would hold them in escrow until they sent inspectors out and were otherwise satisfied the work was done correctly. 

I sent in the insurance check with my cover letter on XX/XX/XXXX. Being the holidays, I did not expect an immediate response but hearing nothing for three plus weeks, I emailed and faxed the listed email and fax number on XX/XX/XXXX. Since I sent it late in the day, they probably did not get it until the XXXX. I received an automated email asking me to give them 48 hours to respond. 

Hearing nothing, I sent them a follow-up email and fax on XX/XX/XXXX. I received the same automated response. I received a read acknowledgement on the morning of XX/XX/XXXX. I have heard nothing more so I sent them another follow-up this morning. 

The roofer is ready to start the work but I need the check so he has the funds to get started. This should not take more than a month to turn around a check and it should not take more than a week to get a status update. 

I do not know why I should agree to sign over insurance proceeds to them so they can use my money for free if they are going to take more than a month to respond and ignore repeated phone calls, emails and faxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: M&T BANK CORPORATION
State: PA
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:
OnXX/XX/XXXXXX/XX/year> I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/year> without my permission

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 2024-01-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit acceptance is on my credit and it his stopping me from a bunch of things I cant get a apartment without them they have called and threatened me many times if I dont pay they will take something from me

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 2024-01-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items removed from my credit report immediiately. I am attaching proof that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports.

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