BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
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:
Wells Fargo line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.

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 2020-10-14
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.

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 2021-06-07
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: Information belongs to someone else

Complaint:
My Experian credit report contains addresses and jobs I never had. 
I had fraud years ago and fear someone is using my identity in XXXX and Florida.

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020 i sent a letter requesting investigation for inaccurate account showing on my credit report. I didnt receive a response so i sent another letter on XX/XX/2020. I still haven't received a response and those inaccurate unverified accounts are still on 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 2021-04-24
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 at XXXX XXXX, I received a notification from my bank ( XXXX ) that my checking account was overdrafted. When I checked my account, there were 3 separate withdrawals initiated by Nationstar DBA Mr. Cooper for {$3000.00} each. That's the amount of my monthly autopayment for my mortgage, which was also withdrawn on XX/XX/2021 as usual. No payments are due or outstanding until XX/XX/2021. 

I called XXXX, they are putting a stop on the withdrawals at their end. 

I called Mr. Cooper/Nationstar, which hung up on me three times. I called their autopay department and left a message. I sent multiple " secure online messages '' via the mrcooper.com website, no one has replied. 

Mr. Cooper has taken $ XXXX of my money without notice or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Consultants just reported a {$510.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal rights, as protected under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed for Forbearance in XXXX of 2020, now looking to find a resolution with Mr.Cooper, our services. Started the applications end of XXXX XXXX I called to follow up many times this past week and was once hung up on! I also gave the loan specialist my number in case we got disconnected but they never called me back! I assume this was because I told them I would file a complaint as they were not answering any of my questions or telling me what we could qualify for. I was asked to fill out an application more than four times via email, which I did. Theyre not communicating properly about why I had to keep filing applications and would not answer me about this. I was denied any assistance at all I later find out but they never communicated it with us after filing out the multiple applications. I contacted XXXX XXXX directly last week, and I dont feel were getting what we need as they told my husband to call the servicer back and ask what and why we dont qualify even though we have been doing that. I called mr Cooper back today and was told I have to basically pay a one lump sum of 12 payments to MAYBE reinstate if we qualify after we pay 12 months that we missed up front. Then they call it a repay payment plan for the XXXX and XXXX payment which isnt even due yet. Theyre calling it this so they can get away with making it look like theyre offering us something legally..XXXX XXXX does not require a lump sum up front from their guidelines I read with Covid laws. I am out of options because they wont give us any. I was only told we could appeal our previous modification and it probably wont go anywhere. We have lived in our home 22 years! This is extreme predatory lending practices with Covid! I was also told PRIOR to entering into this that we had rights because the Covid laws are different and we could modify again or get a deferral added to the end of the loan. I also have a screen shot of some of our communication Feom last year I will attach here. During this year long forbearance I called mr Cooper a couple times to be reassured we could have some kind of relief. They and Mainly XXXX XXXX have played a very nasty game here not telling me this upfront and offering nothing now! We entered into this with complete reassurance that we would be like anyone else and get relief after. If we would have been told up front that since we had modifications done before and would not be able to get any assistance, we would have borrowed money to catch up. We should have been told up front this could have been an issue! Theyre now telling us even if we do pay all the 12 mos now- we may not qualify for resuming our payments! They will find a way to deny us so they can take our house! Please help! A bankruptcy is what we may be forced into due to predatory lending!!! This is absolutely servicing discrimination and predatory lending if I have ever seen!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Was not notified of investigation status or results

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX-2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.

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 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$12000.00} and I also attached proof of payment in the email. I requested MLD Mortgage Inc. to refund the real estate tax I had paid myself because MLD Mortgage Inc didn't have to pay it from my escrow account. I had also repeatedly made phone calls to request the refund, but nothing was being done.On XX/XX/XXXX I was told that the tax refund would be sent out in a week. As of XX/XX/XXXX I checked my escrow balance, MLD Mortgage Inc. has not refunded any extra escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: RMS-Recovery Management Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2021-04-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent out letters to Equifax and XXXX XX/XX/21 and XX/XX/21 disputing inaccuracy for addresses and employers.. This is fraudulent information. The listed addresses and employers are not mine and requesting to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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 explanation
Consumer complaint received 2021-06-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am a representative for my daughter accounts, both accounts are negative one is negative XXXX $ and the other is negativeXXXX $ .I never ever was able to use overdraft on her accounts.So we shouldn't be charged nsf fees the bank froze both accounts on the XXXX of XXXX because they said the debit cards were not in the system on her accounts But XXXX first citizen ordered the cards as a result of the freeze her social security didn't come the XXXX XXXX of XXXX therefore I couldn't pay cashadvance on the due date which is the XXXX to be able to advance to get more money to pay my bills and pay my car repairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 


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 seven 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 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 2018-05-18
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My personal license is not expired. The report shows it valid until XX/XX/2019. Please re-run the report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
THE DISCOVER PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home caught on fire XX/XX/2018. I filed an insurance claim with my insurance company and used the contractor that the insurance company recommended. My company required that the contractor complete some documents and submit contactors license. The mortgage company made two major mistakes. 1. Waived ( at the request of the contractor ) the requirement of the contractor to  provide a copy of their license, because they incorrectly thought my property was in Texas. 2. Released the first payment to the contractor without insuring that all documents were completed as required. As a result, this company has subcontracted out work to people that has failed to obtain permits prior to working on my home. This city issued request for the contractor to obtain permits for electrical, mechanical, and plumbing. The company applied for permits, but never completed the work. The permits have expired several times, my home has been broken into and copper piping stolen along with other damages. The windows were installed with gaps all around the edges, walls put up without complete insulation, siding is falling off of the house, heat damaged, broken concrete remains in the garage ( where fire started ), subfloors continue to weaken due to delamination, and the home is showing signs of mold. The insurance company has since dropped my insurance coverage and the contractor has not done any significant work on the home in almost one year. I can not obtain insurance on the home due to the open claim and incomplete work. I continue to pay utilities and mortgage on the home and had to pay to have a security system installed and pay for monitoring. My mortgage company refuses to release money from the claim and my city is calling me into court to answer to expired permits, incomplete construction, and code violations. I have been told that if the issues are not corrected, I will be fined and/or jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: SYNCHRONY FINANCIAL
State: OH
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:
I am writing to dispute XXXX XXXX/care credit, address ID Number XXXX, Ive reach out to the creditors but no answer from them The balance listed on the account is incorrect. Please the delete the 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 explanation