BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, aka Nationstar Mortgage XXXX, charged an additional amount to escrow on my latest mortgage payment. I contacted them to inquire what the charge was for. The person said that I was being charged for an insurance policy that they opened by force on my behalf because my current insurance company, XXXX, had ignored their requests for a copy of my policy twice. 

I did not choose Mr. Cooper as my lender. My loan was sold to them without my involvement, as is often the frustrating case. They contacted me when they took possession of my loan and then reassured me that I needed to provide nothing. They had everything up to date. 

The person on the phone first said that they had no record of insurance, later said that XXXX never responded, and made the final statement that XXXX said I didn't have a policy. None of this made any sense to me. 

I recently received letters asking if I wanted to buy a policy from Mr. Cooper 's insurance partner. I ignored the letters because they looked like advertisements. Earlier this month I received another letter saying that they had purchased a policy on my behalf- for three times the amount of the policy I currently have. They now say that I have to pay for the premium since XXXX because they didn't have the documentation from my insurance company, XXXX. 

I am at a loss as to how to recover the costs and why they were not required to contact me in any other fashion than a letter that looked like an insurance advertisement. I feel like I was tricked into ignoring it and charged a massive uncharge through their own insurance partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.

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 2020-10-13
Company: Bread Financial Holdings, Inc.
State: MI
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:
Wow! This has been a roller coaster for me! I have been fighting to improve my credit and Victoria Secrets, Comenity Bank is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership. 

After reviewing my credit report, I discovered a late payment was reported in XX/XX/2020. With that said, I wrote a Good- Will letter ( attached ) to Victoria Secrets as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX  balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees. 

Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XX/XX/XXXX and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX  as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations! 

My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though XXXX  is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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:
On 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that you verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a XXXX balance and past due balance. Additionally, It should show to who the account was transferred. See the 2 examples of how the account should be reported.

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 2018-03-23
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Beginning XX/XX/XXXX I began to request that XXXX XXXX   provide me the original contract of the student loan agreement, because the amount that is recorded as the balance due on this account is inaccurate and not mine. Therefore, I requested to verify the debt because according to my records, my total amount owed is {$3500.00} that was transferred from other lenders to consolidate around XXXX of XXXX. I have attached a copy of my credit report posting this accurate balance. 

I also requested the original contracted that I physically signed, however XXXX sent an electronic signature with a name that is spelled similar to my name, but is not my name ( SSN Card Attached ) and did not provide competent evidence bearing my signature ( see social security card attached ). This information is unverifiable and inaccurate. The balance incorrect, and is stating an amount that is higher than I owe. I also, contested late payments that were posting on the account due to the fact that it was placed in forbearance until this investigation was to be resolved. The itemized printout that they sent me was wrong, and as a result of other inaccurate dealings with my credit, I had to file identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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:
On XX/XX/2021 I sent a dispute letter to all 3 credit agencies to verify the inaccurate and unverified information I demand to be removed from my credit report. It has been more than 30 days and not a single response from any of the agencies. This demand to comply letter states the accounts in question and per federal law with the FCRA I demand these accounts be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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 fraud alerts or security freezes

Complaint:
I had to put a freeze on my credit in 2017 after someone had stolen my identity. I am now trying to purchase a home and am having a great deal of difficulty with Transunion in terms of getting a PIN number to release the freeze. I have contacted the company numerous times over the last month to have my PIN sent and am always told I will receive it within 3 to 5 business days. That does not happen. Every time I contact someone my call is directed to a switchboard in XXXX ( not a problem ) and there is a slight language barrier. I have had the folks repeat my mailing address back to me and it is indeed correct but to my great frustration I never receive the information I request or any paperwork at all. I have been informed that they can not fax, can email, nor can I pay to have it overnighted. I need a resolution to this issue soon and do not want to take legal action.

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 2020-05-07
Company: William D. Meeker Enterprises, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX pulled my credit report without my consent. 

The lender advised they would NOT make a hard inquiry onto my credit report. I advised XXXX  of this and they stated that even though the inquiry was made ILLEGALLY, they would not be removing the inquiry from my report. 

I contact XXXX  I contacted the creditor who pulled the report illegally and both refused to correct this. 

The report was pulled by : CIC Mortgage Credit In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX The original Organization is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian reported a XXXX XXXX acceptance account that is a closed account with inaccurate payment history, A XXXX  XXXX auto account that is closed with a payment history that is still inaccurate after being disputed, a XXXX XXXX account that is closed with inaccurate payment history that has been disputed and a XXXX XXXX account that is in collections. Experian did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ) this law states A consumer reporting agency only can report with the written instruction of the consumer to whom it relates. This is what the CFPB identifies as identity theft as when someone uses your name, social security number, date of birth, or other identifying information without authority, and because I did not give Experian Authority to report anything on my report they are in violation. Experian also told me they verified that these account were accurate but according to federal law 15 U.S.C 1681a. ( e ) in order investigate a consumer report you have to interview with neighbors, friends, and associates of the consumer. So, whom did they interview? and still such information should not include specific factual information on my consumer 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 2018-06-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a GAP credit card, for use at GAP-branded stores ( Gap, XXXX XXXX, XXXX XXXX, XXXX ). Nothing is wrong with that credit card account. However, on 2 separate occasions within the last year, Gap has opened a second credit credit card account ( GAP Visa - for use at any place where visa is accepted ) without my knowledge or consent. I did not apply for a Gap Visa, and I don't want a Gap Visa. I have had to log in and cancel the visa account and destroy the card.

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 2017-12-05
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries on my credit reports with XXXX, XXXX and Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had tried to contact Experian several times in reference to my account with XXXX XXXX not being reported. I've spoken with an Experian Manager today in reference to the situation and he stated, I just needed to wait. I informed him that's what I've been doing waiting and I can't figure out why they are holding my information and not adding it to my report. I also wanted to find out why I've paid off several of my accounts and my score would drop XXXX points. The supervisor stated he's not sure, but what he did know is what I wanted him to do with not be done. When I tried to explain what XXXX inform me he told me I need to be quiet and act my age and stop crying about it. I could not believe someone ( a manager ) would talk to me in this manner. When I told him I must write someone for help, he reply " DO IT '' so I disconnect the call. 

ALL I CAN SAY IS PLEASE ASSIST CFPB!

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 2018-04-11
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I noticed XXXX XXXX reporting a debt on my credit reports ( Original Creditor XXXXXXXX XXXX Nevada, Balance {$470.00} ) I mailed on XX/XX/2018 XXXX XXXX a debt validation request, especially because this account is past the statute of limitations but is appearing as a new account on my credit report. 

XXXX has not verified the debt, yet continues to attempts to collect the debt and report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX of XXXX is reporting my wifes closed negative account on my credit the account has been paid but still should not be on my 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 2021-09-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries on my credit reports with Experian, XXXX and XXXX : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX 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 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Public record information inaccurate

Complaint:
Contacted in 2013 by XXXX XXXX that Bank of American placed me in their system because they suspected a fraud, which I am not aware of. I contacted the Bank for clarification, which indicated, I am not owning the Bank. I was assured that the alert will be deleted. I write different letters back and forth to the bank, but all to no avail. Ever since then, I was able to open an account with 2 banks, with no issues. Now the problem is that I have a family and unable to get a job because this fraud keeps coming up anytime they do a background check.

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 2018-10-11
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: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off on this XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as Evidence

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 2021-09-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Originally the medical bill was to from XXXX for XXXX XXXX 3 years ago. They didnt file in time with XXXX but little did they know my mother works for XXXX XXXX XX/XX/XXXX. So they put it on my credit as Im only 22 now and was born XX/XX/XXXX I didnt know until I recently started checking my credit. They said that they sent us hills and my mother checks all my mail and will attest we never received anything from them, not to mention I have insurance so it shouldve been billed to them. So it went to Wakefield and Associates. Since recently Ive gotten XXXX to bring the balance to XXXX with the help of my mothers XXXX people who know they didnt give timely filing. Now since XX/XX/XXXX Wakefield and associates says its been submitted to be removed from the bureaus, although XXXX says they havent received anything since XXXX, and its XXXX now. they keep running me around in circles but nothing has been getting done since XXXX. XXXX has caused the strain of properly billing the insurance company and then placing it on my credit and the collections company is telling me they reported it but XXXX isnt seeing any change. Ive talked to them and told them what transunion has said and they say they cant supply me with a letter to the bureaus that it has been submitted for removal.

Company response to consumer: Closed with explanation