BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This started back in XXXX of XXXX XXXX XXXX, My payment was reversed because of what was told to me by the mortgage company that it was because of technical issues with their new payment system so I made. The payment again it was reversed again. And then finally it went through this happened again in XXXX. I called in XXXX checked and they said my payment was OK.I called in XXXX to make a payment and they said it was reversed again I made i The payment again then they had said that one of my payments was not processed and now I was behind, So after trying to figure out what was going on and why my payments were being reversed they said that their system was fine nothing was wrong and that it Was my fault due to some issues with accounts, So it's worked out a payment arrangement so that I would not be affecting my credit score. Nor would it affect the chance of losing my home. I noticed that it did get reported on my crebut after calling and trying to figure out what was going on again. They made it seem like it was my fault. ''Why didn't I ask if this would affect my credit report? '' This company has been nothing but problems for the last few months I have constantly called and tried to resolve the situation and they may Make it as if it is my fault yet. I don't get a clear insight as to what is going on. Why my payments were reversed why it is affecting my credit When I am on a payment arrangement so that it does not affect my credit This company has showed a complete lack Empathy And customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
My complaint is regarding Suntust DBA as Light Stream. They placed an unauthorized inquiry on my XXXX  credit report on XX/XX/2020 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2018-02-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First, I would like to acknowledge that Im a proud customer of Wells Fargo. Over the course of this past weekend I have had two separate phone calls resulting in lengthy conversations with customer service representatives which escalated to me having to speak with their supervisor. Beginning on Saturday XX/XX/XXXX, my checking account was reflecting a positive balance of about {$270.00} according to my banking app. I had pending transaction for XXXX XXXX at the time so to be sure I called Wells Fargo customer service for more detail and to see if the pending transaction was reflected into my available balance so my account would not be overdrawn. There were only two merchants I was specifically calling about which was a XXXX XXXX and a XXXX XXXX company to see if they had received their funds. The representative told me that those two merchants have received the funds and is posted to my account. So according to my Wells Fargo banking app, my account was reflecting an available balance of about {$150.00}. I had them transferred funds from my savings to my checking for about {$180.00} to cover a payment for {$280.00} for merchant XXXX XXXX. My account was still reflecting a positive balance. However on Sunday XX/XX/XXXX, I notice on my banking app that my account is overdrawn by $ XXXX At this point I call the customer service number and have to speak to a supervisor who couldnt explain why this has occurred and only offered to advice on to set up payment arrangements in the future with merchant I intend on paying, and to call back the next day when the overdraft fees occur and see what they can do to reverse it. Then Tuesday XX/XX/XXXX after I notice all the changes to my account, I see a negative balance of about $ XXXX. I called back and explained my situation with the supervisor and she tells me that theres nothing they can do and I have a bad history with overdrawing my account so they can only reverse 25 % of those {$70.00} worth of overdraft fees I was charged. In addition to the $ XXXX that was not supposed to be. I was given misleading information from the customer service department which caused me to think I had a certain amount of funds in my account and them charged double the overdraft fees. They also had the nerve to tell me that if I want my money back then I should file a claim. This never would have happen if I were told truthfully what my available balance was and what was pending and posted and so on.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid this collection company due to the fact that I did not recognize a debt that they were reporting on my credit report. I sent the company a letter requesting validation that was delivered on Monday, XX/XX/2019 ( XXXX Tracking Number XXXX ). I've attached a copy of the letter requesting accurate validation of this debt and indisputable fact the debt is mine. My payment on the account did not confirm ownership of this unknown debt, nor did they provide me with any sort of verification of the debt. I have not heard from this company and the debt is still being reported as " settled/paid '' on my credit report. Please stop reporting this unvalidated debt from all credit reporting agencies ( XXXX/XXXX/XXXX ) and/or provide me with valid " wet ink '' validation of my signature on an *original* document associating me with this debt.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX Bank XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XX/XX/23 and XX/XX/23 XXXX XX/XX/23

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: DC
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:
The credit bureaus is in clear violation of code U.S Code $ 1681c-2 for not removing/ blocking the following fraudulent accounts reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
MIDLAND CREDIT MANAGEMENT has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Byrider Franchising, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car nearly three years ago through CNAC. I switched jobs in XXXX and called them to request that they push my payment date back by one week which they agreed to do. They still received both payments for the month of XXXX but have been calling me at work since then insisting that I owe them another payment. My payment was made. I pay every two weeks. I have tried to resolve the matter and have asked them to not call me at work which they continue to do daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: Jormandy, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX my vehicle was reposssed by XXXX consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from XXXX and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from Jormandy stated they were collecting from XXXX. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that XXXX was using them to collect funds and reached out to CFPB in regards to this. I received a notice from XXXX in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} ) as XXXX stated no company should be collecting funds for them and since have been contacted from Jormandy in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: U.S. BANCORP
State: NY
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and 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 2022-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was forced to file emergency bankruptcy to prevent my home from being illegally foreclosed on and sold on XXXX XX/XX/2023. Rushmore violated the Federal Dual Tracking law and did not follow the required servicing guidelines for a VA loan. Now I will have a derogatory mark on my credit for another 7 years. Currently I have submitted my application to the Home Rescue Program and signed the third party authorization. Rushmore has signed up in this program. This program can pay up to 48 months of arrears. Also, the VA has similar options and programs available to modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX / XXXX / {$18000.00} XXXX XXXX XXXX / XXXX / {$7500.00} DEPTEDXXXX  / XXXX / {$0.00} USDOE/XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After reviewing my report I noticed incorrect addresses that I never lived at. I sent out a letter to the bureau to remove the incorrect information on XX/XX/2020 and never got a response.

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 2020-03-12
Company: SYNCHRONY FINANCIAL
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:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXXXXXX XXXX  : {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$260.00XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX  {$720.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : 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