BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was furloughed because of Covid and was put in forbearance for 18 months. When I resumed work this past XXXX, I contacted Flagstar Bank about resuming my payments. My ability to make payments online had disappeared, and they would not accept payment over the phone. I was told that I would be given options in a few weeks to get back on track. Since that time, I have called Flagstar regularly, and have been told over and over again that I would receive my options soon. I have repeatedly submitted documents regarding my furlough and income. Last month, I was finally able to pay the mortgage over the phone. I was told I will receive loan modification documents to get me back on track. I received the documents. Flagstar wants me to go from a 4.1250 %, 291 month mortgage to their new offer of 4.6250 % 480 month mortgage, and a partial claim of {$32000.00}. I missed 18 months of payments, and this bank wants to add 189 more payments??? And my payment would only go down {$32.00} per month!! 

My credit is great, my income is great, and I have about {$300000.00} of equity in my home. I do not want to refinance into their horrible terms. I want to defer the 18 months of payments ( that I didnt pay during furlough ) to the end of my mortgage. Flagstar wants me to add 189 months to my mortgage at a higher interest rate. Please tell me what my next steps should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

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 2023-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: AL
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. 

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 non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support XXXX  years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all XXXX credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.

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 2022-10-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-05-15
Company: COMMERCE BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Commerce Bank back in XXXX about a {$2.00} charge due to amount subject to interest was below chargeable amount. With that being said I had receive correspondence in the mail about 0 % APR through the end of the starting on a certain date in XXXX. I had misread the correspondence and charged $ XXXX 2 days before the 0 % APR actually started. Well I charged a couple of other items in the 0 % APR timeframe. So I received the statement for that month and send in payment for {$920.00} so I would not be charged any interest. Well that is when I received statement with {$2.00} fee and called the 1st time which took well over a hour to get ahold of anybody. I explained that the {$920.00} should of been applied to all of the subjected $ XXXX that had interest. They explained to me that {$30.00} was not paid off from the {$920.00} mailed in. I explained that the the amount that had interest should be applied first which would of cleared the $ XXXX and the other amount would not of accrued interest. Some supervisor then waived the fee and an agent said it was fixed. Well get the XXXX statement that included the same fee and once again called in to get fixed which stated a supervisor would call me in a few days. No call so called back and got the same thing ... ... no call at all. Get the XXXX statement with same fee. Now I'm filling this complaint as they did not apply the entire {$920.00} to the subjected $ XXXX that would have had interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING CREDIT INQUIRIES ARE FRAUDULENT DUE TO IDENTITY THEFT AND MUST BE REMOVED : 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

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-05-14
Company: EQUIFAX, INC.
State: MD
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 has XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency because I need your help in disputing some charges done on my XXXX XXXX XXXX XXXX XXXX credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$6100.00} done on my card by XXXX XXXX XXXX XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.The XXXX XXXX XXXX contacted me by an unsolicited phone call according to them they got referred from XXXX XXXX another company that I was working with at the time. They said their work would implement the work that XXXX XXXX was doing for me. Supposedly leads and visitors to website. I never got any results of their work. It was really hard to contact someone .I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

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 2017-10-04
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Several years ago, my mortgage was sold to Nationstar. Earlier this year I fell behind on my Nationstar ( now re-named Mr. Cooper ) mortgage payments and started getting past due letters. I have been making payments the last 4 months and even sent an extra {$500.00} in XXXX and XXXX. Still I have n't been able to catch up. In a letter dated XX/XX/XXXX they said I owed {$5700.00} but when I spoke with someone in late XXXX by phone, they said if I sent {$4500.00} to them it would bring me current. They did n't provide any written statement to back that up. I am hesitant to send in any monies until I can obtain a full accounting of my payments and my current balance. 
The first sentence on the letter says " If you are represented by an attorney, please send this letter to your attorney ''. So two weeks ago ( XX/XX/XXXX ), at the urging of my family, I consulted a lawyer who had me sign a Power of Attorney ( POA ) form so that he could speak with the mortgage company on my behalf. He faxed it in on same day XX/XX/XXXX and followed up with a phone call and was told it would be 2 - 4 days before the POA would be " processed '' and until the processing was complete they could not speak with him. So by XX/XX/XXXX, the processing should have been done. 
Today is XX/XX/XXXX. My lawyer has called every other day since XX/XX/XXXX, he 's been put on hold for 15-30 minutes each time and either ca n't get through or he reaches someone who says " we 'll call you back '' and then they either do n't call him back or they call back at non-office hours. They wo n't give him a direct number to call to bypass the wait time and they wo n't make an appointment with him to discuss my case. My lawyer wants to obtain a full accounting of my payments and balance due after which my family will help bring me current. 
There are a lot of complaints logged for Nationstar in the XXXX XXXX XXXX database many alleging that they overstate the amount owed. I 'm hesitant to send them the amount they tell me I owe them because if it is n't correct, I 'm sure I 'll never get it back. So the charges are piling up ( to their advantage of course ) while I 'm trying to get them to work with me and my lawyer to bring me current. 
Nationstar/Mr. Cooper is stonewalling us to their financial advantage, racking up more fees each and every day that goes by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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:
I have contacted Equifax and submitted documents that the items in my report are fraudulent. Ive attached my drivers license and social security card and have not had the items removed as well as the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am going through a divorce and need my name removed from the mortgage. US Bank is supposed to send assumption forms for my XXXX to fill out and prove he can assume the loan. I requested these forms XXXX months ago. They said they were being mailed and I should receive in 10 days. Never got them. Called and was told they would email them. Never received them. Called a third time demanding a supervisor. Got a supervisor and shared how I have been waiting over a month for assumption forms. Supervisor said nothing he could do but he would email them and mail them out with guarantee I would get XX/XX/XXXX. Nothing came. I have no way of getting my name off the loan as they are not fullfilling my request and holding up my ability to buy a home :

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 2020-06-10
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:
I applied for a XXXX credit card a few weeks ago and I was not approved instantly and today XXXX/XXXX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Attention XXXX XXXX and or XXXX XXXX, This is concerning CFPB Case Number XXXX that was filed concerning missing direct deposit tax refund checks. I have the reference numbers and tracking number of the missing electronically filed and deposited tax refunds. The first year is XXXX state XXXX and federal XXXX. Then XXXX XXXX, and XXXX federal XXXX and state XXXX. These are the tracking numbers for XXXX, XXXX and XXXX. The XXXX federal return I can't seem to locate and I received the XXXX return delivered in the USPS mail. I have talked with XXXX XXXX and have been contacted by XXXX XXXX XXXX concerning the missing funds. These funds were to be direct deposited into the Citizens Bank of XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX on XXXX XXXX in the XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your immediate attention to this issue and I have filed these transaction numbers with the Federal Trade Commissionor and the FDIC Bank Insurance. I am required to file taxes since my AGI is above {$25000.00} by federal law and I receive my correct amount at the end of the year. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief