BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: Mr. Cooper Group Inc.
State: NY
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:
On XX/XX/XXXX a hard inquiry made by Mr. Cooper without my authorization. 

# 1 Filed Bankruptcy on this mortgage in XXXX, XXXX ( case # XXXX ) Removing me from the Mortgage Note, but not the Deed, initially with XXXX, sold to Nationstar, AKA Mr. Cooper. ( No intentions to reinstate this loan/Debt ) # 2 My husband wanted to refinance the mortgage in his name only and has been contacted by : XXXX XXXX NMLS ID XXXX Nationstar Mortgage d/b/a Mr.  Cooper ( XXXX ) XXXX XXXX Address : NSTAR/COOPER XXXX XXXX XXXX, TX XXXX # 3 I never even spoke to XXXX XXXX to give Authorization to pull my credit, let alone where did he obtain my SS #? My husband never gave him it. 

I am absolutely furious that XXXX XXXX somehow found my SS # and used it to run a credit history to refinance a mortgage that I never authorized, this is fraud, illegal, and Identity theft.. 
I was able to get a hold of Mr. XXXX XXXX to ask him why he illegally ran a credit report on my behalf without my authorization, and how he was able to get my SS #. 

His reply is that because I am married my husband can authorize for me, NOT TRUE! 
( How often does Mr. XXXX use peoples SS # to obtain info without Authorization ) or ( by asking a spouse or significant other??? ) My husband never gave Mr. XXXX my SS #. XXXX also stated : and it doesn't matter if I filed Bankruptcy because my name is still on the note, Still does not answer how he obtained my SS #, ran a credit report and why he cant remove the hard hit on my credit report. 


I want this investigated and this hard inquiry removed from my credit report! 

Mrs. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
The information provided on my credit report by syncbank mens wearhouse Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NV
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:
Equifax did not have the proper security measures in place and my identity is now part of the public domain. I 've had to put up fraud alerts and everything else to try to make sure my identity is not stolen because of Equifax. Equifax also decided not to report this for several months. Thanks Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: HANCOCK WHITNEY BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hancock Whitney Bank located in XXXX Alabama authorized {$2800.00} be withdrawn from my XXXX XXXX XXXX XXXX account with a method of ACH which I am not familiar. The transaction occurred on XX/XX/2022. I received a letter from Hancock Whitney Bank advising me that a HOLD ALL FUNDS had been placed on all accounts. The bank stated that they had identified one or more items or transactions as possible violations of the terns of our Deposit Agreement. or they had received notice of possible claim to the funds at Hanck-Whitney Bank or party to an item or transactions I immediately went to the local branch in XXXX  AL and the information was explained by XXXX XXXX , banker, that I didn't authorize his transaction and I went to file a complaint against XXXX XXXX  XXXX XXXX XXXX I do not know anything about this company and have never done any business with this company. They have taken my funds using an ACH wire transfer. XXXX XXXX is the bank that requested the funds from Hancock Whitney Bank. Hancock Whitney Bank is stating I waited too long to file a claim against XXXX XXXX XXXX XXXX XXXX. I should have done so within two days of the funds being transferred. I was never made aware of the funds had been transferred until the US Postal Service deliver the letter to my mailbox. I need help because Hancock Whitney Bank is stating I waited too long. I thought all banks in the USA had insurance against thief of money especially since they sent my funds without requiring my signature on any forms. Does the law protect the bank NOT the person who trusted the bank to keep their hard- earned funds safe? I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had recently contacted Edfinancial following the news of Bidens Loan Forgiveness Plan in an attempt to request a refund on my payments made during covid forbearance per the CARES act. I asked Edfinancial to refund my payments but was notified of a ridiculous processing time of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic, I had made nearly $ XXXX in payments for my loan in an attempt to get ahead during the interest rates freeze. 

What strikes me as odd, is that Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these until early-midway next year. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request and Ive heard of numerous people having their refund never actually get put in. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. 

They have also recently suffered a data breach and were sued for lying about student loan cancellation. All these factors combined make me distrust Edfinancial, and I believe their recent attempts at lacking transparency is simply to deceive those gullible enough to believe the we are processing it as fast as we can, we need 150 days facade they are putting up. All in an attempt to make as many clients ineligible for loan forgiveness as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : XXXX : 1. XXXX XXXX XXXX XXXX Account Number:XXXX 2XXXX Account Number : XXXX 3.XXXX XXXX Account Number:XXXX Transunion : 1.XXXXXXXX XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and XXXX so please prove to me how Transunion can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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 XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Servis One, Inc., Titusville, PA Branch
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I  had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX leaked my social security number and personal information to hackers. I risk getting hacked.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Liberty Holdings, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
A very loud and rude threatening call several times, left voicemail. Calls come from an unknown number and the voicemail is threatening and calls me by my first name, and then says it is someone elses account. Made numerous threats and left this phone number to call back. XXXX. I called it back the lady said her name was XXXX XXXX and I could hear the other woman screaming the same script to someone else on another line. I repeatedly asked they do not call my home again.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
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:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a follow-up to complaint # XXXX made on XX/XX/XXXX. I was led to believe that my score was dropped on XX/XX/XXXX by XXXX pts and on XX/XX/XXXX by XXXX pts due to reporting from my bank. Nothing else had changed on any of my accounts. Today I was informed by agent from my bank that the only thing they reported to Experian at the end of XX/XX/XXXX was that I had XXXX balance. Yet my score was still dropped. I am very concerned that they will drop my score again this month because my bank actually reported the {$400.00} withdrawal at the end of XXXX ( withdrawal was made on XX/XX/XXXX ). If bank did not report it until XX/XX/XXXX why did my score drop twice in XXXX???? 
It was my understanding that scores do not drop twice in one month unless serious changes were made. That has not happened in my case. Both times that my score was dropped I had XXXX balances across the board. I feel as though I'm being penalized for having good credit and It appears that they are just dropping scores because they can. PLEASE HELP. Thank you

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4500.00}

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 2021-06-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I started to receive letters from Midland Credit a couple months back for a said amount of {$1600.00} that they claim I owe. Midland Credit is now threating to sue me and damage my credit without the proper validate this debt being provided to me. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2018-05-19
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My business checking account was debited by American Express for purchases I did not make on my Amex Plum Business Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. 

These are the dates and amounts debited from my checking account by Amex. 

XX/XX/2018 {$2500.00} XX/XX/2018 {$2800.00} XX/XX/2018 {$2500.00} XX/XX/2018 {$5800.00} XX/XX/2018 {$5200.00}

Company response to consumer: Closed with explanation