BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have experienced multiple errors with my escrow account since the mortgage was sold to Mr Cooper. 

Problem 1 : Mr Cooper paid the incorrect hazard insurance company despite the fact that I informed them that my insurance was changing in advance of Mr Cooper issuing the payment. My notice to Mr Cooper occurred on XX/XX/22, and they confirmed receiving my notice on the same day. Mr Cooper 's payment to the incorrect company occurred on XX/XX/22. The error resulted in {$3500.00} being paid from my escrow account in error, resulting in a negative balance in that account. After this error occurred, Mr Cooper refused to assist in recovering the money from the incorrect company. I spent several weeks, and dozens of hours of my time to correct Mr Coopers error, which to date they have still failed to acknowledge as their error. 

Problem 2 : Because of the mismanagement outlined in Problem 1 I requested to cancel my escrow account with Mr Cooper. Mr Cooper provided a written letter dated XX/XX/22 stating that they could not cancel me escrow account due to my loan to value ( XXXX ) was less than 80 %, which they defined as the current balance divided by the original loan amount. Since receiving this notice I have taken significant efforts, including selling other assets to bring my XXXX ratio below 80 % using the definition provided in the XX/XX/22 letter. On XX/XX/22 I contacted Mr Cooper via telephone after successfully bringing my XXXX below 80 %. The agent I spoke with stated that XXXX could not be deterred based on the original loan amount and that I must pay Mr Cooper to perform an appraisal to determine my XXXX. This directly contradicts the written letter from XX/XX/22 and reeks of greedy, fraudulent, money grabbing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX.   The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions 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:
I have asked Experian several times to update my correct address on file, but they refuse to only list my current address and no other.ones. I sent them my drivers license showing the correct address.

They said I must contact the creditors that it is attached to.

So I sent all them a letter telling them to update their records 5 weeks ago, Certified mail, They received it, I've waited this long for them to change it.

Still no updates have been made on my records buy Experian. I am concern about identity theft and or fraud so I would like to not be associated with an addresses I have never lived at.

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 2023-03-18
Company: EQUIFAX, 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 XXXX XXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 an account without my written instructions. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking with fifth third bank for multiple years now ( XXXX ) and I regularly use them for direct deposits in my account. They have taken over XXXX dollars in overdraft fees from my account. I have already explained to them in person at the bank, as well as through live chat and there XXXX number that I can not afford to allow them to take this money from me. Yet they are refusing to refund my money and only want to give me XXXX dollars of it back which is ridiculous. They literally received a direct deposit from me and my account is current. Please assist in getting my money back. I will be closing my account with this institution if my funds can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CURO Intermediate Holdings
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have received multiple fraudulent emails claiming that I owe {$970.00} to speedy Cash doing business as their speedy XXXX XXXX etc etc etc I do not have a payday loan out from these people I never have so I'm quite certain I don't know them anything but they keep sending emails after email and I've responded back many times and they just send another email and it says it's the email address is for me attorney XXXX something or other but the name on the email is XXXX XXXX so it makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMERICAN EXPRESS COMPANY
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:
I have dispute the accuracy of an account with American Express under Section 609 FCRA which requires specific records to be produced by American Express as stated in Section 609 FCRA requiring American Express to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with American Express. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with American Express at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX  for engaging in the very same misconduct that American Express is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for American Express to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with American Express under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: OH
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 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 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Phoenix Financial Services LLC, XX/XX/2019. after noticing a collection added to my credit report {$830.00}. I then spoke with a female representative, who was informed that no notice was given inregards to this debt collection and I was not aware of the debt. I was then informed of the Debts originations and informed the representative that my this bill was not correctly billed to my medical insurance and my responsibilities was 20 %. I can pay the 20 % now. I was told that that not my problem. The account was not in our procession at that time so I dont care what happen then, will you be make the full payment or you wasting my time. I told the representative I will pay the 20 % the insurance did not cover, it was at that point the representative disconnected the call. I immediately called back and got a male representative and began to explain that I was not aware of this bill and that my insurance cover 80 %, I was told that they had no insurance information and it wouldn't matter anyway. I then asked if he can send me a letter of verification. and proof of debt and I was told, " I see why the other representative disconnected the call ''. He refused to listen, even started to use abusive language what type of person dont pay there bill. I then informed him I can send the information about the insurance and I was told " you can send what you want it won't matter '' he also disconnected the call after. I believe that Phoenix Financial Services LLC has violated my consumer rights under the fair debt collection practice act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: KEYCORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was told in the past that I would have a 10 day grace period when making a payment on my credit line. 

Please don't tell me I have a grace period when in fact I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Insufficient proof of original debtor when requested after receiving a student loan collection letter from Sallie Mae and I requested the validity of the debt. I also have a private student loan in collections that the balance never changes to be neverending. There's a scam going on in relation to both student loans. The federal student loan was supposed to have been forgiven anyway. I have also a XXXX from XXXX on my credit report and my credit score is a XXXX? A mortgage is in my credit score too somehow. XXXX XXXX XXXXXXXX XXXX XXXX  are the XXXX that has been living in my house by falsifying my multigenerational inheritance transfer from my multigenerational Estate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: CT
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:
Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  XXXX  {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX  company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX  XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX  XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.

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 2019-04-27
Company: EQUIFAX, INC.
State: SC
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:
My credit was pulled without my consent by XXXX XXXX XXXX XXXX XXXX  after I agreed to XXXX XXXX   doing a soft pull. I did not hear from this CU or consent to have my credit checked. I believe I submitted an online dispute with XXXX, but was unable to get confirmation by e-mail and when I tried to check the status online, I got a message that the service was not available. This has happened several days now so I called Equifax. I verified name, SSN, DOB, address, employment, I was asked about addresses and loans, none of which applied to me. Then asked about an auto loan, which I verified I had with XXXX   and the exact payment, and was asked if I had a credit card and how much the payment was. I told the guy sure I have many credit cards, and named off several. He said okay XXXX. I told him I owe around $ XXXX and the monthly payment was around {$80.00}. He then told me he could not help me and I would have to submit a dispute by mail. I feel like Equifax has me flagged or something for disputing information. They are by far the worst of the 3 major agencies and are always extremely difficult to communicate with. I will fax the information, but there is definitely a problem with the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: MI
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:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or about XX/XX/XXXX, a class action lawsuit settlement was announced by XXXX state attorneys general after a multistate investigation found Santander was engaging in subprime lending practices. Santander Consumer USA provided me with a car loan on or about { XX/XX/XXXX }. This car loan agreement contained unreasonable terms and was a product of unethical and dishonest business practices by Santander. 

Given these facts, I request that Santander : I. remove late-payment and repossession information from my credit report. 
II. forgive my repossession deficiency. 
III. notify debt buyer/collection Agency to cease debt collection activity against me ; and IV. notify debt buyer to return any monies collected from me. 

Other states have already ordered restitution from Santander to their affected constituents. I will give you 30 days from the date of this letter to provide the requested remedy or I will use all remedies available to me under the law to ensure that I am made whole. 

Thank you for your anticipated voluntary cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to Equifax and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law Equifax and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Investigation took more than 30 days

Complaint:
The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police 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 2023-03-15
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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