BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Mr. Cooper. I have a loan payment due XX/XX/XXXX but Mr.Cooper is unwilling to accept payments till XX/XX/XXXX. If I paid my loan on XXXX first as I intended to, my principle balance would be reduced on XX/XX/XXXX and therefor the outstanding interest due on XX/XX/XXXX ( for the month of XXXX ) would be less. XXXX XXXX will not accept any payments after XX/XX/XXXX. I will, because of no fault of my own, be charged more interest for the month of XXXX than I would have been if I was able to make my payment on XX/XX/XXXX. This is wrong and unfair. Additionally I called Mr. Cooper, talked to XXXX different people and explained this to them and they told me I was wrong and I cant make a payment till my loan is transferred over. If I am wrong then I am being overcharged interest based on the outstanding amount of my loan after the date I make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
Community Loan Servicing my mortgage provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program, witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative, that on XX/XX/XXXX Community loan servicing sent letters to 3 credit bureau to remove incorrect information.I talked to XXXX representative on XX/XX/XXXX and he could not confirm that any disputes were initiated by the lender. I attached copy of the forbiddance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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:
XXXX XXXXXXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, Transunion, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX, Transunion, and XXXX has reported differently. For instance there Updates are not reported the same as they should. XXXX has charge off, Transunion has charge off as bad debt, XXXX has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; XXXX has none, Transunion has XX/XX/2021, XXXX has none. Balances : is reported wrong XXXX has none, Transunion has {$320.00}, XXXX has no balance. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX XXXX. 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 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Trans Union, as directed by their website, many times in an effort to receive assistance in filing a dispute. I am unable to file disputes online and am directed to call them for asssitance. 
When I call, I am lectured, harassed, and mistreated, with no signs or hope of progress. 
I now have to call from a different number because they have blocked one of my phone numbers.

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 2018-03-21
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time that my account has been placed on XXXX XXXX XXXX XXXX XXXX when I definitive proof from my Insurance Agent that they deliver proof of Insurance annually to the servicer, XXXX  XXXX XXXX. I had to seek a refund last year. This year, they sent me a letter advising i was all set after I re-sent the proof of Insurance yet they escrowed for it all the same. I am due a refund of 2 months of escrow, immediately. It is a nightmare to get to someone to discuss and once transferred, have to go thru verification a third time, once on the phone and 2x to AGents. WORST SERVICER

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-02-02
Company: EQUIFAX, INC.
State: IL
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 several issues with Equifax XXXX. I submitted a disputes for some closed accounts that appeared on my credit report that doesn't belong to me, please look below : XXXX XXXX  XXXX XXXX XXXX XXXX In XXXX and XXXX, I paid all these accounts off to XXXX because I was buying a home and this was causing me to get a higher rate and lower approval amount. Before paying them off I did dispute with both the creditor and the credit bureaus and I was still stuck with these accounts. 

I want these accounts removed as these aren't my accounts, I never authorized no one to open them, and I have received any items off any of the purchases for the charges. 

Today I received my results on confirmation # XXXX that states on each one of these accounts, " The information you disputed has been verified as accurate, and We verified that this item belongs to you ''. 

Crazy thing is I've asked how was this verified, I also asked for documents barring my signature the credit has failed to provide me this, please send me anything that I can give to law enforcement as I've filed a police report and a Federal Trade Identity Theft Report ( attached ) XXXX. Equifax want share my information with other XXXX bureaus credit services this is so I can check my credit reports often without going to each individual sight, please also look at the attachments. 

XXXX. I gotten married recently I sent Equifax my ID with my married name on it, they have yet to update my name as XXXX XXXX they are being disrespectful and XXXX about making the request in this complaint as I know caucasian don't go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$610.00}.

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 2021-07-01
Company: CITIBANK, N.A.
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX we purchased tickets to XXXX through XXXX 's XXXX using our CITI Bank card for {$430.00}. When the charges showed up on the statement the charge was not recognized and was reported as a suspicious charge. CITI Bank removed the charge from our account. Within 20 minutes, the charge was recognized as the ticket purchase and CITI Bank was notified that it was a legitimate charge and placed the charge back on the card. When CITI Bank labelled the charge as fraudulent, XXXX 's XXXX cancelled the order and submitted a refund to CITI Bank. This occurred on XX/XX/XXXX with the refund occurring on XX/XX/XXXX ( see attachments ). CITI Bank refused the refund and the charge remained on our CITI Bank account. I called CITI Bank several times in XXXX and XXXX and CITI Bank stated that the dispute for the {$430.00} was on record and that I would not be charged any interest on this amount so our monthly payments for XXXX, XXXX, XXXX covered all expenses except the {$430.00} which remained on the statements. I continued to call to check on the dispute and had to continually re-open the dispute and walk through the issue each time all the while the charge stayed on my account accruing interest while it was being disputed. Eventually, we stopped using the card in XXXX and left the balance of the {$430.00} along with the accrued interest and fees associated with not paying the disputed amount on the card ( {$560.00} ). This balance was strictly due to CITI Banks inability to resolve the dispute by simply working with XXXX 's XXXX to re-send the refund and accept it. This is exactly what happened in XXXX. CITI Bank received the refund and in XXXX provided a credit of {$250.00} to cover the fees and interest. This seems to indicate that this dispute could have been easily resolved and not resulted in our account being considered 30 and then 60 days late. This issue is now on our credit report and has decreased our Credit Score. My understanding is that this will remain on my credit report for 7 years. This issues seems very minor and was CITI Bank 's issue and not mine and should not impact my credit score. I opened an additional dispute with CITI Bank on XX/XX/XXXX to have the report amended to remove the indication of late payment and it was denied ( see attached )

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 2022-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I made a mobile deposit which was supposed to be in the amounts of {$80.00} into my USAA checking account. Unbeknownst to me I had pressed an extra zero on my deposit and it turned into {$800.00}. The following day I received a notice from USAA of the mistake and not my account was negative. {$120.00}. In the following days, my VA benefits for my XXXX XXXXXXXX were deposited into my checking account, bringing my account into the positive to the amount of {$830.00}. I then received a call from USAA saying that they were closing my account. But the problem lies in the fact that they are not giving me any of the money that was deposited into my account for the next 60 days. If this were any other form of tender or income I would understand that, but seeing as I'm a XXXXXXXX XXXX on a fixed income and these are protected funds, it is not okay for USAA to hold these funds from me. Me I'm in the process of being evicted from my home, I have no food in my fridge, and I've called begged and pleaded to USAA to please just give me my XXXX income and close my account. The only thing I met with is half-hearted. Apologies, and being told to go to charity or ask friends or family for money. Literally a USAA representative told me to go to a charity or to ask family or friends for money. I do not owe USAA anything, all of my accounts are paid and this is completely unacceptable and inhumane. Inhumane. USAA is a bank that is supposed to stand by those that have served this country, yet they are allowing the very people they swear to serve, lose their homes and walk the streets hungry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I mailed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).

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 2023-06-22
Company: Asset Recovery Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX called me several times asking me to pay a debt from 5 years ago when I told her no Im not paying she said I hope u dont have kids because youre a bum, and then proceeded to call me back and said let me rephrase that your a XXXX XXXX XXXXXXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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:
Disputed information submitted has not been updated, credit card account is still showing incorrect information, someone is falsely stating incorrect information

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-05
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: Account status incorrect

Complaint:
I am writing in regards to my credit reports with XXXX, XXXX, and experian. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.

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 2021-09-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX FL 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