BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a modification in XX/XX/2020 with Mr. Cooper. They put me on a trial payment plan and then I experienced a hardship because of the pandemic and coronavirus.. mr. Cooper contacted me and advised me that theres options to have a forbearance program which I can defer payments up to 18 months. They promised me and assured me that after the modification and forbearance is done theres going to be a payment option available so I dont have to pay a lump sum payment.

For the last 60 days Ive been going back-and-forth with Mr. Cooper because theyre sending me notices saying that I have to pay {$46000.00} upfront for the deferment? 
Ive spoke to multiple representatives there and they assured me and promised me and the phone calls have been recorded on their line saying that they would help me after the payment plan relief program is over due to the coronavirus pandemic. Now theyre telling me that the investor will not allow me to modify my mortgage since I already had a modification started in XX/XX/2020 they are expecting me to pay {$46000.00} upfront as a lump sum payment or I have to face foreclosure. This is not right I feel that Ive been taken advantage of based on poor customer service and horrible advice from Mr. Cooper. I have a XXXX XXXX home mortgage conventional loan and I need help! Please have someone call me as soon as possible at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-01
Company: Lotane & Associates, P.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My complaint is against XXXX and XXXX. Address : XXXX XXXX XXXX, XXXX FL XXXX. 

I was sued by this company in XXXX without proper notification that they were taking me to court. I only received a certified letter after the court date stating that the judge had ruled against me and that my license would be suspended if I didn't contact them immediately to set up payments. At the time I didn't have the extra money to hire a lawyer so I just decided to go ahead and set up payment. I have been paying my payment regularly with only 2 exceptions in almost 10 years but they have sent letter to have my license suspended twice and I have to pay a bigger down payment each time to have my license reinstated. However after 10 years of paying I still owe XXXX. How is that possible? They will not tell you when you call if any of the payment goes to interest and if so, how much. The website doesn't show how much money goes to pay down the balance. 

I called the company on XX/XX/XXXX because when I was paying XXXX payment I realized that somehow I forgot to pay XXXX payment so I called to see if I could pay double to correct the account but was informed that they had already sent a letter for my license to be suspended and that I would have to pay 250 down-payment plus XXXX payment before I can have them re-instated. I asked to speak to a supervisor and was told that she sent a request and someone would call me back. It took 48 hours for them to call me back and when I asked why didn't they give me a courtesy call before they suspended my license since I have been paying on time for years and I just had a lot going on and forgot that month. I was told that they do not call and they could not call or email reminders. 

The harassing tactics they use should be investigated. 1. How can you take someone to court without properly informing them and 2. Why do they have the power to suspend license especially for people who are trying their best to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX Chase CC XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and XXXX with XXXX XXXX XXXX  XXXX  including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MO
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: NJ
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2017-10-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2020-12-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX stolen via fraudulent withdrawal out of state at a BMO Harris branch. BMO demanding I file police report. May not be able to. My local police ( XXXX police ) at first helpful then refusing to take report. May be out XXXX usd due to a technicality

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 monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Prospect Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX there was a loan taken on line using my personal information. When I found out about it was when a collection company called me and I stated that it was due to identity theft they called me a liar so I got in touch with the company where the loan was taken out and explained that it was due to identity theft. I forwarded them the police report and informed the credit bureau and I had to get a freeze on my credit and life lock. 
A week ago this collection company called me and threatened to garnish my wages and it put stress and fear in me. On XX/XX/XXXX they called my brother and told him they were looking for me and if I did n't pay this loan I would go to jail. XX/XX/XXXX I called XXXX XXXX to speak to them about this and I told them that the credit consumer bureau told me to lodge a complaint they said not to do that. And that they had nothing to do with the collection company. This is causing me to become sick from XXXX   at being harassed by this company. XXXX XXXX XXXX XXXX The amount they are stating I owe is over 1600.00 dollars. 
I have all the proof stating this is identity theft from the sheriff in XXXX, California

Company response to consumer: Untimely response
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: MN
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:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: RI
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 Account # XXXX, has 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 2022-04-01
Company: Experian Information Solutions Inc.
State: RI
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 Child Support Enforcement Account number XXXX, has 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
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.

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 2020-04-25
Company: Porsche Financial Services, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We leased for 39 months a new XXXX XXXX  XXXX. The vehicle performed well, except we had to take it back numerous times to get an air leak fixed on the passenger side front door. Our lease was up XX/XX/XXXX. The Auto Vin inspector sent by XXXX  came out, ( inspection # XXXX ) and during the inspection, we were informed our vehicle had been wrecked and repaired. Damage was done on the passenger side front door, rear door, and rear fender. In fact the inspector said the paint job was not up to XXXX  standards. The inspector told us we would have to pay for the repairs, even though we informed him we had not wrecked the vehicle. When the inspector left, I called XXXX XXXX XXXX  in XXXX Florida, where we leased the car. After about a 2 hour delay, I had a call from the manager of XXXX  in XXXX, who stated we would not have to pay for the repair, however, we were not offered any additional compensation for being sold a wrecked vehicle. After further research we discovered XXXX XXXX owned XXXX  dealerships in four states. We called Mr. XXXX, but initially got to speak to his son XXXX XXXX, who took our information and stated he would get back to us on thiS fraud. We did not hear back from him, even though we called hIm numerous times. We have since discussed this with an attorney, who indicated that we should at first try to handle this through Porsche  Corporate. We contacted Porsche  corporate who agreed to contact XXXX XXXX and coordinate a settlement. This went on for a while. But we were never contacted by the XXXX XXXX group. We actually went by the dealership located in XXXX, Fl. To meet with the general manager. He refused to meet with us and we were told to contact their attorney. They would not give us contact information. 

The VIN number WP= XXXX Leased : XXXX XXXX XXXX

Company response to consumer: Closed with explanation