BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi My name is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) XXXX It all started in XXXX when my husband and I decided to invest in buying houses for a better future ( There is a lot of history behind this loan with XXXX  XXXX XXXX, XXXX and others ) I been on critical financial hardship that's we started a Bankruptcy XXXX But still not closed I'm still have the risk to go to a foreclosure our home was on auction last XXXX We try hard to do a modification last year and part of this year but they never send us packaged they all the time offer us but they never send it to us No explanation on why they can't offer a modification. A person explain to us that This LOAN is not a correct loan something is wrong with this loan. because this load was XXXX  XXXX XXXX, XXXX ( same as XXXX  XXXX XXXX ) after that change to couple Nationstar XXXX XXXX XXXX  / Servicer Mr. Cooper not sure who can help us Now our Lawyer is helping with the Bankruptcy XXXX but she don't know about real state. But my direct question is Why they don't want to help us with a modification? and why we still have the same Loan since XXXX XXXX When XXXX was sued they have to return part of the balance to the principal loan to a lot of people But except us Why? 
At the least we would like to ask what to do. To ask the Bank to help us to modified our loan or return the money we pull from our primary home to our primary principal loan Our address is XXXX XXXX XXXX XXXX XXXX CA XXXX If we can't do anything about our Principal Balance at the least we would like to try to modified. 
If I remember correct and I'm still have a letter from XXXX XXXX because I send a letter to her between XXXX and XXXX asking to review our fraudulent loans and she response to us to look for legal assistance but we never find the correct person. 
On this loan is a lot of suspicious activities like electronic escrow transactions and more Also a loan in this loans for XXXX dlls that the only Bank appears is XXXX XXXX same as XXXX The trustee for Bankruptcy try to bring them to court but they never arrived. But the lien still in our home I hope you can help us or to guide us what to do. 
If nothing what we can do because this happened long time ago AT the least we would like to know why thet denied the modification to us. 

Thank you XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After doing several disputes with XXXX, Equifax, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Synovus Bank
State: SC
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:
First Progress credit card services over charged my account in fees to have my account limit higher than it should have been and would do anything about trying to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hi, My Experian credit has had my address changed to the wrong address. I've tried to resolve this through the Experian website to no avail. 
I've been down every rabbit hole on the site trying to find an email to a phone number where I can resolve this matter but the phone menu does not have a choice for address change nor the ability to connect you with a human. The website informs me when I try to create an account that my email address is already taken and Experian does not recognize my phone number for password recovery. The Experian website basically just tries to upsell you more credit reporting products, of course for a " reasonable fee ''. 
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 2018-12-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have just successfully started credit freezes with XXXX and XXXX, but I have had problems trying to initiate a freeze with Experian. I first tried to do so at Experian 's online freeze center, but after entering relevant info, including SSN and other details, I was told that my account could not be established. Some of the questions that came up along the way seemed irrelevant to my credit history. I then tried their phone, based on info at their website : XXXX. I talked to someone and repeated the relevant info, and that person kept asking me questions, some of which seemed irrelevant to my credit history. After roughly half an hour, I had to terminate the call without resolution. I have since tried to recontact Experian. When I go to their website https : //www.experian.com/help/ and click on the options for a freeze, I repeatedly am directed to a screen that fails to load : https : //www.experian.com/ncaconline/freeze This has been the case for the past 24 hours. I also have gone back to the same phone on which I had talked to an Experian agent ( the number above ), but when I do so I am first asked for my SSN, and when I enter it, I am given an option to get my credit score but it has so far been impossible for me to speak to an agent there. I am therefore locked out from online help and from phone help, and their info provides no other ways to contact them.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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 submitted multiple dispute letters requesting specific items on my credit reports be investigated, deleted, or provided proof of debt ownership. The items still remain on my credit report, and no documentation has been provided that shows that these items belong to me and I am liable to pay the debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your

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 2023-10-09
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my Equifax, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is XXXX XXXX XXXX and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from XXXX XXXX  - Ive never even heard of XXXX XXXX OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the XXXX ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD Bank checking account on XX/XX/XXXX and closed it after six months. I reopened the account on XX/XX/XXXX. Account to promotion agreement on their website, '' Offer is available to a new personal checking account at TD Bank with the preceding 12 months '', I believe I qualify for this offer. The KEY words are customers who do not have an existing or prior with the preceding 12 months. I did not have an account with TD Bank in the past 12 months before I reopened. I met the offer criteria. I had tried to contact the representatives through the security message, and they did not solve my problem. They told me that I do not qualify because I received a bonus on a prior account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-09-27
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: LEXISNEXIS
State: OH
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:
Not reporting accurate information according to ( 15 USC 1681e ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi : Good afternoon. My name is XXXX XXXX and I am writing in reference to an issue of a returned check on my Wellsfargo account. I have been a customer of Wellsfargo since 1998. 

I wrote a check to " XXXX XXXX '' for {$55.00} and this check was presented twice to Wellsfargo and on both occasions, the check was returned to the merchant without any negative balance ( - {$55.00} ) showing on my account. Prior to this, I was notified by Wellsfargo about a new policy that gives customers XXXX hours to deposit funds in their account before checks are returned to the merchant. This new policy from Wellsfargo is a great idea but I just discovered in my instance today, that this policy is dependent on whether they feel like paying the check or not. 

I just called the Wellsfargo customer service number and this is what I was told. I initially I spoke to XXXX, and then had this escalated to XXXX XXXX. Her reasoning did not make sense since this to me is a clear case of " bait and switch ''. I was then referred to XXXX XXXX at the Executive office and I decided to write to you. The assigned complaint # XXXX was given to me by XXXX. The case # XXXX was assigned to me by XXXX at the executive office. I now have to drive to XXXX XXXX and take care of this in addition to paying for their returned check fee and the embarrasment of this issue. 


Why would a bank institute such a great policy but then decide on a whim when they will follow through on this new policy. It's either they practice this policy or don't do it. I can be reached via email at XXXX. 


Sincerely, 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XX/XX/XXXX To : TransUnion Fraud Division XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX XXXX doesnt belong to me XXXX doesnt belong to me XXXX 
I was 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