BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We chose to utilize the Pandemic Forbearance option because representatives from Mr. Cooper/Nationstar told us, verbally, that deferment would be available as a completion resolution. Later our mortgage servicer, Mr. Cooper would not provide deferment. We wrote them a formal letter ( XX/XX/2021 ) requesting that the provision for deferment be honored and requesting a more responsible brand of communication than the contradictory and confusing directions provided. 

The written response that we received in reply did not answer our questions or help the situation. 

Mr. Cooper then instructed us to apply for a modification. We are still hoping to receive the deferment as promised. Our XXXX XXXXXXXX loan is working well for us and we prefer not to adjust away from it. We could not get an accountable answer from Mr. Cooper about why we were told that the forbearance could complete in a deferment but then that was not provided. 

We then were notified that the modification also was not offered by the lender. We sent in a second letter ( XX/XX/2021 ) seeking to understand why the modification had been offered and then we were notified that it was not available. 

We have been respectful throughout this communication process and have diligently paid our loan for more than 15 years. 

We additionally have the concern that when Nationstar adopted the new name, Mr. Cooper, they intentionally created an expectation of neighborly and more personal service. The corporate confusion and runarounds we have experienced created the sense that the adopted image is inauthentic. 

They are now demanding about {$26000.00} and threatening foreclosure. They continue to advise that federal monies are available and for us to apply in order to pay off this sum. But we feel this is unethical and that the company is attempting to receive the government money rather than provide the deferment that we were told would be available and that they will not not provide. Additionally we believe that the refusal to provide at least the modification may be a breach of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Information, including name and Dates are inaccurate on this account, and the account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
BK XXXX XXXX XXXX has been DISCHARGED and continues to show twice in Experian- 1 as reporting negative and one DISCHARGED.

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 2022-03-06
Company: Experian Information Solutions 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:
I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on XXXX-2022.

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 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX, the HR representative for the company I work at, opened a letter, post marked XXXX from Capital One demanding a 25 % garnishment of my wages. I found this out by calling the Law Firm who sent the letter as my HR rep and I could not even figure out what she was supposed to do! I was told that she is to garnish 25 % of my wages and send to them each month! The total debt is $ XXXX and was a judgment filed against me in XXXX! When I told the Attorney I would be happy to make a payment plan with them, I was told I could not until 50 % of the debt is paid via garnishment! 

If I made loads of money, 25 % is a lot of money! Even if I got a second job, I do n't think I 'd be able to recoup and be able to pay my rent and other bills! I spoke with the attorney where I am working who explained that a credit card judgment is obsolete after 10 years so that is why they are trying to collect after all these years! I did not receive any mail from them, I still have not! There was a postcard attached to the paperwork that HR received where I could ask for an emergency hearing, which I immediately filled out and put in the mail. I am just flabbergasted! I am absolutely willing to try to make this right but I ca n't afford to be homeless trying to pay for a very old credit card, and the thousands added for interest and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Credit Karma, 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:
Employees of credit karma stole my identity, cards planned that are n't mine, plans changing every other day. They lied about everything, I fixed my credit just for them to sign me up for random credit cards I never asked for or gave permission to use my information to get. Openned an account for this company called XXXX XXXX that I 've never seen or heard of, stated account were open when data on the report states otherwise, says items are delinquent when they report states otherwise and they wo n't fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Comenity Bank continuously keeps charging me late fees when their payment methods are not functioning properly online or over the phone. Their customer service representatives are very rude and disconnect the phone on you when often. Comenity Bank has reported inaccurate balances and late fees to the credit bureau to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: NJ
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:
First off does the CFPB have any actual power because all I have done is fill these stupid reports out and get a nasty response from the credit reporting agencies and creditors directly. I want to know exactly what power the CFPB has because if I am spinning my wheels here wasting my time sending in complaint after complaint and all you people do is forward them to some not even middle management idiots. Your agency is an utter waste of taxpayer dollars and should be shut down ASAP. Having said that here it is one more XXXX  time.

I am including pdfs of everything for evidence because Equifax 's site is so screwed up it will not take uploads for documentation. I have asked the XXXX candidates to fix my report. Almost every account is reported 4 or 5 times. That is XXXX. Then you can't actually attach or upload anything because their site is XXXX UP. When you call into the " HELP CENTER '' they are about as helpful as XXXX on a bull. Off-shored and the English is barely understandable. Let 's see what the brain trust at CFPB can do this time around. I have asked EQUIFAX to update my XXXX bank account and of course, they claim to investigate which is XXXX. I fax them in documentation which they clearly use as toilet paper. So here is what I sent them, see if you can get these XXXX to fix the stupidity that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good 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 explanation
Consumer complaint received 2022-03-06
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: Investigation took more than 30 days

Complaint:
I sent a 30 day comply letter to the credit bureaus to correct the errors from my identity theft case and they kept fraudulent acounts on my credit report. they had 30 days to investigate and correct all errors and they did not meet the deadline. I sent the 30 day comply letter out on 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 2022-03-06
Company: Experian Information Solutions 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:
It is embarrassing to be an American with companies like XXXX XXXX XXXX XXXX ( XXXX ). I have complained for five years with Experian and XXXX because they both accessed my credit report without my permissible permission. The last two complaints, ( COMPLAINT ID XXXX & XXXX ) XXXX states the form message This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. XXXX and Experian have yet to supply the permissible permission used to access my credit report and play the people like XXXX  children. And calling XXXX is a joke like calling Experian where you either hold for 45 minutes and then are disconnected or where you talk with someone who reads a programmed screen. I have XXXX  friends who are also embarrassed for their country. XXXX treats their people like XXXX XXXX just like big companies do here.

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 2022-10-03
Company: EQUIFAX, INC.
State: NV
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:
An unknown person is attempting to open accounts in my deceased husband 's name, XXXX XXXX XXXX. He passed away XX/XX/2022. They were successful in opening an account at XXXX XXXX XXXX XXXX XXXX and have charged the maximum amount, {$9900.00}, on or about XX/XX/2022. This occurred even though I placed a fraud alert with the three credit reporting agencies. In addition, I received an alert from XXXX XXXX today, XXXX XXXX XXXX that someone was trying to use my husband 's information to charge {$960.00} at XXXX # XXXX in XXXX XXXX, NV on debit XXXX. I also had 5 hard inquiries into my credit report according to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Upgrade, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX sent me a collection notice stating that I owe an alleged debt. In violation of 15 USC 1692 ( b ) ( 5 ) the letter was sent with a huge symbol on the envelope indicating that they are debt collector and the communication relates to the collection of a debt which exposes my personal business and also violates my right to privacy. The letter also implies that they are an attorney when they are a debt collector. Pursuant to 15 USC 1962 ( e ) ( 3 ) a debt collector may not use false representation or implication that any individual is an attorney or that any communication is from an attorney.

In response to the letter, I sent them notification that they have violated my consumer rights, I dispute this alleged debt, and I requested an audit trail of this transaction. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX XXXX XXXX XXXX that stated they will continue collection efforts despite my notice of dispute and in turn, sent me several duplicate copies of loan terms, several sheets of blank paper, copies of documents that are completely undecipherable, and an incomplete bill of sale to prove they even own this debt. They did not provide me the AUDIT TRAIL I requested and in violation of 15 USC 1692g ) ( a ) ( 4 ), the statement of account provided does not tell where these charges and credits were originated or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: KY
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 looked on my Experian credit report and noticed a repossession from a company called XXXX XXXX, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it

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 2019-08-05
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:
On XX/XX/XXXX I requested that Experian investigate the XXXX XXXX  account ( XXXX ) as a XXXX  account. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account when I sent in my dispute letters. 

This is a violation of the FCRA.

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 2017-11-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.

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 2017-11-06
Company: EQUIFAX, INC.
State: TX
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 Violation- noty mine accounts are inaccurate PO report XXXX No knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 HAVE CONTACTED XXXX XXXX XXXX XXXXXXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.

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 2021-09-01
Company: DriveTime
State: VA
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:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

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 2017-12-28
Company: CL Holdings LLC
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: Information belongs to someone else

Complaint:
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.

Company response to consumer: Closed with explanation