BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/Nationstar Mortgage is doing faulty & illegal business with our mortgage loan. 
They bought our loan without notice, then improperly handled the transfer and our partial claim approval from our previous lender. They put us behind 2 months before even opening our account properly with Mr. Cooper. 
They continue to claim that we are being sent certified mail on several occasions but they can not provide us with tracking information or signed receipts from the mail. We have attempted contact through emails and the email address we were provided came back as unable to be delivered. They are documenting phone calls to us from several different numbers and never leaving voicemails or return contact information. 
They are now threatening foreclosure without cause. We are working with a recovery program and Mr. Cooper will not accept payments when we call to pay our monthly payment. They are demanding multiple payments at one time and continue to put us months behind. 
We have attempted to address our concerns with the escalation department, and we are not being heard. They are not taking our concerns serious or accepting fault in this matter because their doings are unjust and illegal. 
Nationstar Mortgage is currently being sued for these exact same actions, and many other illegal doings, on several other accounts. They are threatening to foreclose on our home due to financial errors on their part and they need to be held accountable, financially and for the emotional distress this has caused to our family. 

There have been hundreds of complaints filed against Mr. Cooper/Nationstar mortgage within the last 6-12 months. 

I am demanding a personal investigation into our account by a third-party company unaffiliated with Mr. Cooper or Nationstar mortgage. I would like this investigation done within the next 30 days from this date of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX  Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NJ
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:
remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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:
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2023-11-09
Company: DISCOVER BANK
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Early this year, I asked the call representative at Discover to compensate me for the gift card I could no longer use at its defunct retail partner XXXXXXXX XXXX XXXX XXXXXXXX. My request was denied. The gift card issued by Discover card was my cash back reward accrued by my purchases as a Discover card member. 
The denial is an unfair and unlawful business practice due to no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Unexpected or other fees

Complaint:
Hello Citi World - Wide, I am suffering from Bereavement from the Homicide of my mother and I was diagnosed with XXXX after being a victim of ongoing hate crimes created by XXXX, XXXX and Department of Education Scams which misinformed my XXXX XXXX XXXX and United States XXXX XXXX XXXX at the Time, I would like to know what remedies as far as XXXX Discharge you may offer in times of hardship such as I experienced upon having to live on my own after 2 years at Private University and being under paid by my bosses by atleast XXXX or XXXX thousand dollars a year, also I will advise you I have had to represent suing multiple of your companies for Felony Charges after I was XXXX by a XXXX XXXX  and Members of XXXX  making any sort of agreement to be impossible between us, I need to know if the credit amount has been discharged or if it has been sent to another company to handle.

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 2020-08-29
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
They want your money, not to answer your questions or respect youre time. Youll ask what reasonable for answers, theyll say its a pandemic so they dont have to care. Expect 4-6 months for them to close youre loan ... if they do. Well see ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX   and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX  for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2018-11-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2022-11-27
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:
XXXX XXXX Last XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to 15 U.S.C 1681, and 15 U.S.C 1693 ( 2 ). 

Companies/Accounts 1.XXXX XXXX  2. XXXX XXXX ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE 15 U.S.C 1693a subchapter 2 - Explains identity theft and accounts reporting.

15 U.S.C 1681 section 602a- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
15 U.S.C 1681s-2 ( A ) ( 1 ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2018 I purchased a money order from Moneygram for {$370.00}. The Money order # XXXX. The money order has not been cashed, nor been received by my mortgage company. 
I have contacted the XXXX XXXX. But I am not getting anywhere with them. They have referred me to a web site that I am not able to maneuver. 
I would like to be able to pay my mortgage and also find out where my money is. 
In order to get my money, I will have to pay {$18.00} and if I wanted over night it is {$25.00}. 
Moneygram has not been helpful at all in replaceing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: PA
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:
My XXXX XXXX Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/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 2022-11-27
Company: EQUIFAX, INC.
State: NC
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:
I've sent certified letters to Equifax, XXXX XXXX and XXXX ( original creditor ) notifying them that In accordance with 42 USC 290dd-2 ( b ) ( 1 ) ( C ) Im exercising my right to revoke my written consent signed on XX/XX/2017 for your practice to use and disclose my protected health information with any third-party. I have never made a payment to XXXX XXXX in which XXXX uses to collect debt. Ive made any and all payments directly to XXXX XXXX XXXX and will continue to do so until the debt is paid. XXXX XXXX should cease any attempt to collect debt, discard any of my protected health information that may be on file and cease all reporting to the credit reporting agencies immediately. Failure to do so is a violation and will result in me taking legal actions stated in 42 USC 1320d-5 ( c ) ( 1 ) for noncompliance due to willful neglect. As stated above, I will continue to make payments directly to XXXX XXXX XXXX until the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The letter received from BOM did not explain why they closed my account.

BOM Discriminated against me and violated my Constitutional and civil rights by questioning transactions that I made for my friend who is a political prisoner in Washington DC. 

In XXXX and XX/XX/2023, I had XXXX transactions " money deposit '' to his commissary account while he sat in jail in the District of Columbia waiting for his trial. 

In XX/XX/2023, I received a call from the BOM questioning Commissary Deposits that I made for my friend and the Deposit made to his Fundraising account.

I was at work, so I was not able to speak with them. I asked them to send me a letter with their questions and I will reply.

Soon after I received a letter that I already submit a copy to CFBP.

The letter informed me that BOM was closing my account with no explanation.

I need CFPB to investigate BOM for the violation of my CIVIL RIGHTS and CONSTITUTIONAL RIGHTS and Consumer Financial Protection Law as well as any other law that BOM violated under the federal and state constitution.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-05
Company: EQUIFAX, INC.
State: VA
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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner put a debt collection on my credit report from XXXX XXXX XXXX now I cancel my policy with XXXX XXXX XXXX and went to XXXX XXXX. Now. You pay from the month ahead with auto insurance. So I cancel my policy with XXXX so I do not own them anything! Again you pay for auto insurance for the month ahead!! So I own them nothing. Thank you for any help to resolve this matter!

Company response to consumer: Closed with explanation