BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX Bank and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plaintiffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. There is a hearing for summary judgment this month I would like additional defense assistance against the illegitimate business practices of these companies. Please publish my information so that others may be aware of the unscrupulous practices of these companies. XXXX XXXX XXXX is an off shore division of XXXX XXXX that was specifically set up to acquire and foreclose on homeowners as a part of its {$5.00} XXXX settlement with the US Justice department for faulty mortgage practices. XXXX XXXX actually gets " credit '' for curing the loans it defaults on and the homes that are foreclosed on through this arm of its company. Never once has XXXX XXXX XXXX contacted me or my lawyer in good faith to " cure '' the loan and get it in good standing. The last time they said they were willing to " negotiate '' was during Covid shutdown when everyone had lost their jobs and nothing was possible. I had lost all 3 of my jobs within 5 days and could not negotiate anything in good faith. 

Now XXXX Bank has joined the lawsuit saying they are now the " servicer '' of the loan in question. However I have never received on phone call or piece of mail from XXXX Bank and would never know that they would like to service my loan had they not recently joined the lawsuit. I would think that as the " supposed owner '' of the loan with the " supposed authority '' to collect a debt they would be very interested in negotiating to bring the loan current. However, their only interest from what I can see is to foreclose on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, TransUnion and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from 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 2023-04-26
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXXXXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written Experian several letters asking them to please REMOVE all old addresses, phone numbers, name variations, social security number and last 4 digits, from my report, per I am afraid of being a victim of identity theft, and fraudulent activity, yet Experian will not remove the items from my report, Experian is merely ELECTRONICALLY matching my info with XXXX and Not PHSICALLY investigating. I have tried to resolve this matter with Experian.

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 2021-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom 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 Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) XXXX 2. ) XXXX XXXX of XXXX XXXX 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

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 2022-07-14
Company: EQUIFAX, INC.
State: NV
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:
When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have {$37000.00} left in student loans, originally serviced by XXXX XXXX. The balance was then transferred to XXXX. On XX/XX/XXXX, I applied to turn my loans into the new SAVE repayment plan, as well as check for PSLF eligibility. On XX/XX/XXXX, I received an online message from XXXX stating my loans would be transferred yet again to MOHELA, to be finalized " on or about XX/XX/XXXX. '' This didn't happen. I have an online account with both XXXX and MOHELA now, and they both show me as having a {$0.00} balance. I chatted with both XXXX and MOHELA customer support, most recently XXXX with MOHELA on XX/XX/XXXX, and she told me that interest would be accruing despite the fact that there is no possible way for me to pay, and despite the fact that I had already requested XXXX to start my auto-payments in XXXX instead of XXXX ( XXXX was chosen as the default day to resume payments for all borrowers, even though interest accrued starting in XXXX ) So, basically, now there is no way for me to pay my loans, I am forced to accrue interest I don't want, and no one can give me a timeline as to when this will be fixed, or if interest will be waived while the servicers attempt to fix their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Apparently I received a XXXX file stating money charged to my account for some reason that I never authorized or ordered. Obviously a scam or plot to steal or forge my name and information usually I complain To FTC... I still receive these unusual emails... it appears they use XXXX as a cover up ... here 's the text copy : XXXX You sent a payment of {$390.00} USD to XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX : XXXX Hello, You've received an invoice. This charge will appear on your bank statement as payment to XXXX " XXXX XXXX XXXX. 
Transaction Merchant : XXXX XXXX XXXX : XXXX Drder Status : Confirmed Summary of this Invoice : Sent to : XXXX XXXX XXXX. 
Invoice No : XXXX Amount : {$390.00} Date : XX/XX/2022 Invoice XXXX Please keep this receipt number for future reference. You'l need it if you contact customer service at XXXX. 
You have XXXX hours from the date of the transaction to open a dispute. 
For assistance Call XXXX ( XXXX ) XXXX XXXX Please do not reply to this email. 
This mailbox is not monitored and you will not receive a response. For Call XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date was XX/XX/2023 I was called by- phone number XXXX - mortgage loan Servicing- mr cooper stating they would raise my escrow mortgage payment by almost XXXX XXXXXXXX XXXX because they stated they had to place forced placed home owners insurance on my mortgage. My premium is now {$4200.00XXXX XXXX XXXX XXXX XXXX Policy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Annual Amount : {$4200.00} There website was down for an extended period of time in XXXX and XXXX of XXXX so I had to mail my mortgage payment to them. 

As I write this there website just went down again " error ( XXXX ) ''. 

My payment was {$970.00} and now they 'mrcooper tells me it will be {$1500.00} plus dollars but again there website is not working properly, it took them over a year to dispense my first insurance check which is why I was unable to complete the necessary repairs on My home and therefore unable to purchase a new home insurance policy in which they then " force place insurance '' on me. I have yet to receive the full insurance payout they owe me as they only paid sixty-five percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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:
I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed in XX/XX/XXXX, due to loan modification not being approved. My complaint is this : I should be a part the settlement that occured on XX/XX/XXXX, due to improper modification standards, but I have not been notified by Wells Fargo. In fact, when I contacted Wells Fargo recently, they have no record of my mortgage from XXXX to XXXX. I had a financial hardship and entered into the loan modification program during XXXX, and entered the loan modification program XXXX separate times, unfortunately, nobody ever spoke to me, I only received denial reasons, unexplained. This clearly appeared to be a staffing or volume issue that Wells Fargo do not have a handle on, and I should be included in the wrongful foreclosure, as nobody investigated my loan modifications, and of course, now there is no record. I can provide statements if needed.

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 2022-07-16
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: Information belongs to someone else

Complaint:
I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; 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 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 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 2018-11-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: IA
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NV
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:
My credit report is showing late payments to XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2022-07-16
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL 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 XXXX0}

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 2021-07-02
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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