BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on our new home on XX/XX/2020. The property is located at XXXX XXXX XXXX , XXXX, PA XXXX. The mortgage company we used was XXXX XXXX. XXXX XXXX sold the mortgage to XXXX XXXX XXXX ( XXXX ) the day after the closing. I scheduled an online payment for XX/XX/2020 because my first payment is due XX/XX/2020. I contacted XXXX today XX/XX/2020 to setup recurring payments because XXXX won't let you set that up online, which I think that is completely ridiculous. I was shocked when XXXX told me today that they sold my mortgage to another company called Nationstar Mortgage ( AKA Mr. Cooper ). I told them that I had not received any notice from XXXX or Mr. Cooper regarding a new mortgage company. This is crazy that XXXX bought my mortgage on XX/XX/2020 and then they turned around and sold it less than 2 weeks before the first payment is due. This seems like an orchestrated scam. I told XXXX that I already had a payment setup to XXXX that would need to be canceled. I also told them that I was concerned about setting up my payment to Mr. Cooper. I was told I could cancel my XXXX payment online. I did that and it thankfully worked. But when I called Mr. Cooper regarding my loan they had no record of my loan. I told them I was concerned about my XX/XX/XXXX payment. How can I make a payment to the mortgage holder if they have no record of my loan? They said there was nothing to worry about and whenever everything got processed I could make my payment and no late charges would be applied. I don't believe them. This seems like a scam to try and squeeze me for late fees. I checked out Mr. Cooper 's XXXX score and quite frankly they completely XXXX and this type of scam seems to be their forte. I have never ever made a late mortgage payment in my life ( I've owned 4 different homes ) and I sure XXXX don't want to start now because of a bunch of crooks in XXXX Texas. Please help me get these jerks to send me my loan number so I can setup an online account and make my mortgage payments. I am really concerned about having to deal with these crooks for the next 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry is shown on my report that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been disputing this account with " America First Credit Union '' several times through via mail for so long and no one has gotten back to me about all the inaccuracies and fabricated information they have put on my credit report. For over a year this account has been avoiding on verifying this account. They are violating my rights and FCRA all 3 credit bureaus have different information in regards to my " high balance '', different dates, etc so many false information. I need this account remove immediately. They have been so sloppy with reporting .Remove this account because it has not done nothing but complicate my life. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My bank is n't reporting the transactions and funds available to my third party banking app  XXXX . I am requesting there be a change as it affects my ability to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America Forged financial documents when we applied to refinance our loan in 2008. We where unaware they did this until recently. Bank of America then tried to foreclose on our home based off of forged financial documents and forged signatures. We did not have the assets they claimed we had at the time of the refinancing and we were never given any of those documents. Bank of America then placed over XXXX in fees to our original mortgage of XXXX making our loan over XXXX off of a forged refinancing loan. We ask that Bank of America place our loan back to the original amount and take off all of the fees they placed after forging and lying on our refinancing loan. Ho is Bank of America allowed to get away with breaking the law and adjusting loans based of forgery and deceit? 

We want our loan to go back to the XXXX and all the fees placed to be taken off.

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 2019-11-14
Company: Experian Information Solutions 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 have been trying for over a year to dispute two accounts from Experian. One is from XXXX XXXX XXXX I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX  reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from Experian,

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 2023-07-24
Company: EQUIFAX, INC.
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:
This credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 5 inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Paid my bill online in XX/XX/2022 and the funds take two days to come out of my acct, came out in one and I was about XXXX bucks short. I paid the difference and it still went on my credit report as 30 days late. I made arrangements and called the company to set up some hard ship payments and I haven't been late since. Id like that late payment removed if possible. 

This is for my quick silver CC with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI is attempting to collect on a debt that is not owed by me nor authorized by an original agreement between the original creditor and I. If TSI feels that this statement is incorrect than I invite them to provide me with a copy of the original contact between the original creditor and I, failure to do so with result in additional liability under the FDCPA/RFDCPA. Additionally, if they provide me with monthly statements and fail to provide the original contract this will establish the existence of an original contact and lack of possession of the contract in their file. The original contract must be provided within 30 days. Failure to do so will result in a lawsuit pursuant the FDCPA/RFDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a bank account at wellsfargo and they charged me fees left and right and sent my account to collections. I wasnt given notice and my account was closed.

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 2021-05-28
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/20 I sent a payment {$910.00} from my XXXX online bill pay to Exeter. Exeter deposited the check which was at first returned for NSF, Exeter resubmitted the check it was paid on XX/XX/20. Exeter refuses to credit my account and states the check was returned. XXXX has spoken to them and verified the check was paid, I have sent copies of the check shown as paid as well as my bank statement showing the funds withdrawn from my account and Exeter still maintains they did not receive payment. I have spent hours on the phone with them, tried calling their bank XXXX XXXX who would not help me since I am not an account holder, and have spoken to XXXX several times who claims they can not help because they released the funds to XXXX XXXX. 

It has been months and hours of my time, each month I am charged late fees for Exeter not crediting my account and my credit score has suffered. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collection Bureau XXXX Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau  XXXX Inc showing we had a contract as well as the agreement between United Collection Bureau XXXX Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX XXXX amount of {$13000.00}. I reached out to XXXX  and XXXX do they sell debt they stated no ( I'm well aware of my HIPPA laws XXXX. I could sue United Collection Bureau XXXX XXXX for violating XXXX laws. United Collection Bureau XXXX Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau XXXX Inc for the violations of my medical rights. Also their information has not been reviewed by a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company ( CONVERGENT ) called saying they were going to report a negative remark to my credit report if the amount wasn't paid in full ( {$1000.00} ). I received the call XX/XX/XXXX. I explained to the REP I didn't owe the amount they were claiming I owe. I asked the REP to send me proof that I owed the debt in question.

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 2020-09-21
Company: Paypal Holdings, Inc
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase with a XXXX on XX/XX/20. I used Paypal for safety. After the online transaction I suddenly noticed that the original cost differed form Paypal 's payment and that the receiver of my money was not the XXXX store, but a " XXXX ''? I immediately attempted to contact the merchant repeatedly, but could not. Therefore, I attempted to dispute the purchase with Paypal 's resolution center, but could not since this purchase was not listed on my activity page of Paypal. 
I was afraid of sever monetary loss from my bank account so I immediately cancelled the card and reported the suspected fraud the my bank " XXXX '', which the card is from. The bank investigated and denied the claim, and informed me that any documentation involved with this determination would be available. I requested it and have received none. 
I contacted them and reopened another claim after sending them my Paypal statement, and the merchant 's invoice hoping this would help since they did not get it from me on the first claim. However, this second claim was denied. I have removed close to a XXXX  XXXX dollars from this account since to be safe. The current invoice stated that the order is " processing '' and I have never received any item from this order. 
This loss is Paypal 's fault and I should not have needed to get my bank involve, had Paypal provide the service they are used for. They refuse to help me since I needed to get my bank involved as a last resort. 
I guess I have to except the loss, never use Paypal and find a new bank. Paypal should be the one being investigated for their inadequate operations. Isn't Paypal used to prevent these occurrences? Not walk away from a loss involving someone else 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from 2016. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.

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 2023-04-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On or about XX/XX/XXXX I discovered that TransUnion was still reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, FEDERAL DISTRICT, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth as required. 

There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it is an incomplete filing therefore violating both State and Federal Law. 

On XX/XX/XXXX I sent TransUnion a letter ( see attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate supplying first hand information. 

The response I received from TransUnion was they verified it with XXXX XXXX a 3rd party. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get TransUnion to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to TransUnion and their reply letter to me was very clear that they DO NOT supply TransUnion with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XX/XX/XXXX, XX/XX/XXXXand TransUnion as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. 

Based on all of the above mentioned requirements and based on the fact that there is nothing saying whether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required I respectively demand that TransUnion delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, 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