BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: Social Finance, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX  report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting XXXX  to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a call from my insurance letting me know that they received a call from my mortgage company Nationstar Mortgage - Mr. Cooper, asking if my insurance policy was still active. The insurance company called me and informed me that my policy was cancelled XX/XX/2022 for lack of payment. As my insurance payment is included in my escrow account, this means the mortgage company failed to comply with XXXX Timely escrow payments and treatment of escrow account balances. The last payment they made to my insurance company was in XXXX of XXXX. 
This is the second time my home insurance has been cancelled with Nationstar as my mortgage company. I am horrified to find out that my family and I have had no home insurance for a year. Living in California I have experienced many earthquakes and live close to some devastating fires. Without insurance, my family and I would have lost everything because of their negligence. I am extremely concerned that this will happen again and my home owners insurance will lapse again. 
This is unacceptable and incredibly stressful. 
I tried contacting them today, but was put on a message loop and was unable to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.

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 2022-08-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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:
I have disputed the accuracy and completeness on XXXX XXXX  XXXX account listed on my credit report. This account is beyond 7 years of the last payment date and should be deleted and removed. These fields are incomplete I am disputed the balance, recent payment and Original Balance on this file. 

I also have noticed addresses that do not belong to me that should be removed and deleted XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX OHio XXXX Should be removed and deleted

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX Experian Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, 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 2023-05-10
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX,XX/XX/XXXXI am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [XX/XX/XXXX, XXXXXX/XX/XXXXXXXX, 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 2019-11-06
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold and is now being serviced by Fay servicing. I was sent a bill where my mortgage went up {$160.00} a month and they claim its due to escrow shortage. My payment was and has been for a long time XXXX the only increase would be in tax increase, Fay servicing changed my payment to XXXX and says its due to escrow shortage. They are requiring XXXX in escrow. I have asked them to send me documents on this and they havent sent me anything. I was not late in my escrow payments and I was Current on all my payments. I told them I lost my job in XXXX and I simply cant afford it. I dont understand why they require more escrow than any other mortgage company or service lender. This is consumer exploitation and they arent providing any documents to justify their decision of 2 months escrow. I never signed any paperwork agreeing to their terms or given the choice to have another lender service my loan. This is unscrupulous practices and deceiving to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of cybercrime where I was scammed into purchasing an annual service that did not work and was only in beta form. I was not able to use the product purchased as it was not as advertised and was not a complete product. In XXXX of XXXX, I purchased a service online to help search and apply for XXXX XXXX  with the company XXXX. I was to receive access to my product portal immediately but was not able to access it appropriately until almost a month into the service. When I was able to log in XXXX they finally agreed to set up a time where I can learn how to use and manage the tool. Upon my training, I was informed that the product I was given access to was not the " real '' one but the beta version which is why I could not actually apply for the government projects. I was taken aback as I did not pay for any beta or to be a test dummy. I asked to be immediately upgraded to the paid version as I made a XXXX annual payment for the service. I was then informed that I would not have access to the paid version until I made the full payment upfront. I requested to be reimbursed but they refused. The bank has been informed of this multiple times and refuses to assist. The only thing that they say is that Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : The info we got from the merchant shows this is a valid transaction. 
You can still try to resolve this directly with the merchant ( s ). 
To request copies of any documentation used to make this decision, call us at XXXX. 




The bank has no interest in helping me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: NY
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 credit report shows a credit inquiry from XX/XX/2021 from SNYC/LOWES that I did not approve or initiate. When I spoke with the company using the phone number I was able to find they said they would remove the inquiry as I did not authorize it. It is still on my report- they told me it could take a few months - I have waited long enough and would like it 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 2023-03-17
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for PSLF through Mohela. The process has been totally awful and the service is completely unacceptable. I initially applied for forgiveness in XX/XX/2022. I was told it could take 90 days to approve the forms. I waited patiently for 90 days and heard nothing then decided to call them, only to find that they decided to CANCEL my application for NO REASON whatsoever. My form was marked 'duplicate ' and that apparently triggered somebody to cancel the entire application without any explanation or any notification to me. Nobody could provide any information about what happened or why. I had to have the application process started again. I have waited on the phone for hours and hours to speak with supervisors ( on average 1.5hrs wait time each time ). Nobody on the first line of customer service seems to have any information or any ability to fix things and reaching a supervisor involves dedicating hours to just stay on hold. Six months in now and they have only processed PART of my employment dates only, despite all of the info being submitted at exactly the same time. I was told today that it may be ANOTHER 90 days just to update the rest of the payment counts correctly, even though I'm told the forms themselves have been technically approved. This service is completely unacceptable. People 's financial lives depend a lot on these situations, from obtaining credit, obtaining home or car loans, being able to work in specific jobs, etc. etc., and the level of service being given to such a serious part of people 's lives is totally inappropriate. Today I would specifically point out an online customer service representative XXXX, who was especially unhelpful and would just say things like " Like I told you already, we're working on it ''. Thanks a lot XXXX. Thanks a lot Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2015-11-20
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 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 if 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 non-monetary relief