BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally with XXXX and was transferred to Mr. Cooper. When they transferred the data, they didn't transfer my mailing address and SSN correctly. In the mailing address, the street name and number are missing. In the SSN, I have no idea what number they are using, but I am sure it's not mine. 

I have been trying to update this information for years now, with no luck. They ask me to signup online to make the changes, but I can't signup online because the system is asking me for the wrong SSN, which I don't know. I've called them many times, sent them letters and emails and yet, I have not received one statement for the last several years, so I have no idea of what the numbers in my account look like.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Independent Finance Company 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:
I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX   Colorado. I am a fist time car buyer so I used their in house finance company " Independent Finance ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, XXXX   and XXXX. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, Independent needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: IL
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:
I have inquiries on all XXXX  of my credit report, that I did not approve of. ( inquiries Below ) XXXX XXXX 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with CIti inXX/XX/XXXX. I was able to transfer money in to this account no problem. When I tried pulling money out of this account a week later they told me I needed an ATM card. The company mailed an ATM card which was not delivered to me and instead went back to the company which they have record of. The company is refusing to send me a new card so I can get my money out of this account. I've called Citi every day multiple times a day for a week and half now trying to get my funds. Every time I've called I've verified all of the information and the company proceeded to lock my account. They said I needed a reference number to unlock my account. The person who called left a reference number and call back number that was not correct. Citi kept saying they would call back with a new reference number and never did. Citi then decided to permanently close down my account with all my money still sitting in the account. Even after verifying my information and the transactions I was attempting to make they shut down my account without my approval and now my money is no where to be seen. I can't even see my account on the citi platform. To make matters worse they not only did this to my account they also did this to my fathers account, so I know this is happening to multiple people.

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 2021-06-24
Company: EQUIFAX, 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX Light Stream reported a consumer credit transaction that arose my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

So it seems like Light Stream is violating FCRA by providing information on my consumer.

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I was never given the opportunity to OPT out. 

The consumer credit transaction between Suntrust and myself should not be reported to my consumer report. I was never granted the right to opt out by Light Stream.

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 2023-10-02
Company: PNC Bank N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new credit card account with PNC and immediately set up auto pay to avoid any fees or late payments. Their system chose a payment date for me and I completed the setup with my bank account. I review a statement several months later and saw that I was being charged late fees. I called PNC to get this situation corrected and a customer service representative informed me that my payment date was after my due date. The representative told me that she would correct the issue and as a courtesy remove one ( 1 ) late fee. A few months later I reviewed my statement and was still being charged late fees. I called PNC and requested a supervisor review what had happened and to get the recorded calls. I have not been contacted as of yet and am still getting late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has not responded in a timely manner to notification that the company is not reporting my credit history. They were notified at the end of XXXX, by my credit union that the Experian credit report was not posting data about my account, which had been sent to them. Subsequent to this failure on their part, they eliminated my XXXX score. They have been notified by me of the problem. It '' s been almost 90 days, since they were notified by the XXXX XXXX, and they have yet to update my credit report, communicate with me or even offer a valid phone number that they will answer ( the one on their credit report does not get answered ). They are clearly in violation of the credit reporting law.

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 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2016 I was a victim of identity death I have in the time to bank accounts I called the banks one of them was Bank of America and XXXX XXXX I call Bank of America and I let them know the problem I told him that I needed to close the account and open another one because of the test and they close my account never open it and charge me for something that I didn't do I still till today that I haven't been able to open a bank account this is really annoying

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 2023-05-20
Company: EQUIFAX, 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 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. 

This bank is incompetent and unmanaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: SC
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:
Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX SC XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony 's Walmart credit card overcharged me. Paid {$150.00} on XX/XX/2019, but then charged XX/XX/2019 as well. Loss {$310.00} on XX/XX/2019 through my XXXX 's XXXX XXXX account and had to take out of my savings to pay rent, putting me at financial risk. The company would not respond to my call and said customer service was down around XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX Acct XXXX -Threaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do.

- Called my work after I told not to contact place of employment

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 2022-04-18
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2019, I contacted US Bank to report 17 unauthorized charges made to my checking account using my debit card ending in XXXX. US Bank issued provisional credit to my account on XX/XX/2019 in the amount of {$4200.00}, inclusive of any fees associated with the fraudulent charges. Claim number XXXX was opened. I timely returned the affidavit of fraudulent charges and patiently awaited resolution of my claim. On or about XX/XX/2019, I received two letter from US Bank dated XX/XX/XXXX, and XX/XX/XXXX, indicating that US Bank has found in favor of the merchant and that they would be reapplying the fraudulent transactions to my account. I was shocked and surprised to see that US Bank is requiring me to pay for fraudulent transactions which I did not authorize nor did I receive benefit from. US Bank proudly displays its Zero Fraud Liability guarantee but it appears that it nothing more than a farce. US Bank has flouted federal law by forcing me to pay nearly {$4000.00} in charges which I did not make. My follow up calls to US Banks Fraud Department, Office of the President, and US Bank General Counsel XXXX XXXX has of of the date of this complaint yielded not results. 

I am considering filing a small claims action to redress my loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Resurgent Capital Services L.P.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I contacted the Loan Servicer XX/XX/2019 and said I was having difficulty paying my Mortgage and need to apply for assistance. I was due XXXX, XXXX & XXXX at the time and I sent in my application. I was declined and I thought from the decline letter they didn't calculate my income. So I sent in the income again and additional income ( social Security XXXXncome for My Children ). I got another decline letter so I sent an email to the escalation department. I was declined again for NPV. My Origination Loan was a Texas Section 50 ( a ) ( 6 ) and I looked up FNMA Guidelines and It says I qualify for a Fannie Mae Flex Modification for Texas 50 ( a ) 6 ) Mortgage Loans. The decline letter states 186 remaining and they could of extended the Term 360 or 480 but did not. In All 3 decline letters they did not even send a Repayment plan offer. Today I called them and they said they can only do a repayment plan if I pay 6 full payments, that would be  XXXX thru XXXX and leave the XXXX Payment due. I do not consider that a repayment plan, that is reinstating the loan. I want to keep my home and I do not think they are following guidelines to offer me a modification plan to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I already filed complaint XXXX. While the company responded, it did not resolve the problem at hand. Please review below and/or the feedback I provided on the original complaint. 


We received a letter in the mail shortly after this response. However, when we took out the original loan the agreed upon LTV in our contract with XXXX was 80 %. I can provide this original contract with XXXX if you need it ( please see attached ). Please advise where to send a copy of this original contract agreement. Additionally, per our original contract, we can request to have PMI removed if the value of the home increases and the LTV is 80 % based on a new appraisal. This will be the case in our situation, as our home value has increased significantly. Based on this, I expect the contract to be upheld and the required LTV to be 80 %, not 65 % as explained in this response and the letter. Once I receive confirmation that our original home loan contract is being upheld, I would be happy to send the BPO fee and necessary paperwork in response to proceed with the process. Thank you, 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