BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent them several registered letters and notices to the CEO and CFO of Select Portfolio Servicing Company asking for a complete audit and source of money on the account. They repeatedly acquiescence and continue sending form letters that have nothing to do with what I have asked for. This fraudulent and blatant treatment needs to have an end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information without consent. I am in desperate need of these accounts being removed.

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 2019-08-15
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in negotiations with Mr. Cooper/Nationstar for more than 5 years. During this time, I have attempted multiple loan modifications as well as multiple Pay-Off Settlements. Also during this time, my mortgage has changed ownership more than once, as well as apparently locations. Mr. Cooper has proved fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. In a document sent from the mortgage Servicer, Mr. Cooper, on XX/XX/2019, Mr. Cooper states that their records indicate that XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX is the current owner of the loan. With the contact information being XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The XXXX County Clerks office records the Assignee being XXXX XXXX XXXX , XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX   MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX AT XXXX XXXX XXXX XXXX, XXXX, TX XXXX Mr. Cooper 's Attorney, and Mr. Cooper associate, Ms.XXXX both have confirmed in writing this to be the correct address of the Assignee/Owner of my mortgage. A simple XXXX search shows that the address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX in fact does not belong to XXXX XXXX or Nationstar DBA Mr. Cooper. The owner of the address at XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, is in fact XXXX XXXX XXXX. Mr. XXXX, who is the Facilities Manager of XXXX XXXX XXXX has confirmed in writing that XXXX XXXX XXXX is the sole tenant of the building at this address. 

In addition, after the origination of my mortgage, alteration of the Note took place. After the origination of loan, the Note was stamped with the name of alleged Robo Signer, XXXX XXXX XXXX, Assistant Vice President of XXXX XXXX XXXX, XXXX. This stamp is not accompanied with a Notary Stamp to confirm a date or its validity, and appears ABOVE the signature of the Defendant ( Borrower ). As specified by Uniform Commercial Code 3-407. ALTERATION, ( a ) " Alteration '' means ( i ) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or ( ii ) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

( b ) Except as provided in subsection ( c ), an alteration fraudulently made discharges a party whose obligation is affected by the alteration unless that party assents or is precluded from asserting the alteration. No other alteration discharges a party, and the instrument may be enforced according to its original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One is reporting on my credit report as derogatory, has been since XXXX. This was a car loan with 72 monthly payments with one 30 day late payment. Loan was open in XXXX. The primary owner my XXXX spouse XXXX passed in XX/XX/XXXX. I just recently started to have errors on all three of my credit reports updated. I have been trying to get this account removed because it is over 7 years. I called XXXX, in XXXX, they said it is set to be removed in XX/XX/XXXX. Instead of removing the account or updating the information. Capital One is now reporting to all three credit reports ( XXXX, XXXX   XXXX  ) as 2- 30 day late payments. I thought after seven years it has to be removed and why are they doing any update or reporting on a paid as agreed CLOSED account??? They just updated the account to the credit bureaus in XXXX and XXXX, are they allowed to report or update on a closed account?? The account was paid off in full XXXX. It is also reporting twice on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Resurgent Capital Services L.P.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that XXXX XXXX financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to XXXX XXXX, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that Synchrony Bank financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to Synchrony Bank, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and TransUnion only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions

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 2020-12-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I negotiated a pay-off with Navient regarding a private school loan. The pay-off was in the amount of approximately {$12000.00}, with one payment scheduled in XXXX for {$9000.00} and the other {$3300.00} in XXXX. When the agreement was made, I was in the process of buying a home and the closing date was cancelled. Closing has been delayed and I was advised to not make a large payment of {$9000.00} prior to closing. As a result, I contacted Navient PRIOR to the scheduled payment XXXX XX/XX/XXXX and XX/XX/XXXX of 2020 ) in order to renegotiate. Navient was unwilling to renegotiate the pay-off and informed me that any funds received that is less than the original pay-off amount would go towards the full balance, which was approximately {$33000.00}. On that call, the manager XXXX XXXX XXXX at XXXX ) told me he would contact me on XX/XX/XXXX with an amenable compromise. He never called and therefore, on XX/XX/XXXX, I contacted Navient and spoke to a new agent who read all the notes in my account and agreed to a new payment arrangement towards the full balance ( {$33000.00} ). Navient scheduled a $ XXXX agreement. The previous manager decided to cancel the agreement with no warning or justification. He and his employees called my phone incessantly as well as sent threatening emails and voicemails to renegotiate or warned that it would influence my homebuying process. I responded to an email requesting to cease and desist all contact and they continued to harass me and contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
It would appear that Wells Fargo is again engaged in deceptive and misleading practices. I only recently became aware that the checking account opened in XXXX was an Opportunity Checking account after having low daily transaction limits and the account not eligible for API connection to other financial services. I applied for Preferred Checking and expected that this account was such since I do not recall any clear and unambiguous language to the contrary. At XXXX today, XX/XX/2019 I called XXXX the main phone number for Wells Fargo and the representative clearly stated " Go into the branch to upgrade your account '' after I requested it. Please pull call record. At Approximately XXXX I leave work to go into Branch located at XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX and the Advisor kindly advised me that in her 15 years she has never seen an Opportunity account upgraded in the branch.

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 2019-08-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a HELOC Line of Credit with Huntington Mortgage. 

I gave them permission to do a 'hard credit check ' I was in the assumption that it would be just one inquiry They pulled by credit in XXXX of 2019 and found my score was a ( 7XX )  not shown for privacy Based of of the initial credit pull they offered me a rate of X.X % ( ( fact a hard credit pull does lower your score ) ) they then pulled my score about a month later in XXXX of 2019 and then said because the score lowered by X points the new offer of credit would have a higher rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My credit card had charges that were not mine and I refused to pay them. Capital One investigated the charges and found they were not mine and they removed them. When I refused to pay the charges Capital One assessed interest and late fees and reported my account as delinquent. They refuse to remove the interest and late charges and return my credit balance ; they also refuse to correct the delinquency rating on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS COLLECTIONS Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$120.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : 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 2022-04-06
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received and investigation results. 

The inquiry was not authorized XXXX XXXX via XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX XXXX I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

Creditor : XXXX XXXX Account # : XXXX Late Payment Date : XXXX I was not a total of 60 days late from the due date in XXXX. 
Please correct the payment status for account XXXX to reported ON-TIME and/or CURRENT payment in XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please remove it from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX BANK Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX  DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TCF FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Have had problems with this account since opening 5 years ago, this account is hardly used, pretty much for auto deposits from employer ( Ive been on medical leave most of this year ) - 1 ) To this very day have NEVER received a Debit Card even though requested at least 3 times. 
2 ) Originally when opened set up to access at the BRANCH, until last month have never been able to access again online even though called them several times for help, they referred to Illinois office, who never followed up. 
3 ) Last month after getting a statement showing they were charging me for mailing statements, they finally unlocked account and I was able to access online ONCE. I changed to paperless statements and logged out and have not used the account since. 
4 ) Yesterday I received an alert email from them that the account was frozen due to to many incorrect attempts to login at XXXX. I did NOT try to login and no one could have possibly gotten the account information from me. Thinking that someone was trying to hack in to TCF, I  called them. 
I tried several times yesterday, called & spoke to THREE different employees. They were NOT willing to help and only offered to help unlock the account and said they DO NOT have a Department that handles security isses! I emailed & sent the details through corporate contact, with NO response. 

Its really sad that fraud was attempted and they don't even care to help.

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 2022-10-18
Company: EQUIFAX, INC.
State: MD
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, has all 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 XXXXXXXX, has all 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 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