BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello CFPD, My original loan in XXXX was with XXXX not XXXX. 

Mr. Cooper has XXXX many times on their documents. 
This is a Huge error on Mr. Coopers part for an Enormous Mortgage Loan on my Home! 

They have had the incorrect name ( XXXX ) on several pages of their documents!! 

I have been trying since XXXX to get a modification, from day one it was with XXXX  XXXX XXXX after they took over the loan from XXXX. Then Nationstar took over my loan from XXXX  XXXX XXXX. 

I have been on my property for 42 years! 
I still have children at home that are in school! This is their home our home of many years! 

I was under Extreme Total Duress to sign the Modification from Nationstar in XXXX, that the clock was ticking and I was informed to sign or the deal was off the table! 

I totally feel I was setup to fail! Mr. Cooper knows my financial status! 

I feel Mr. Cooper is trying to cover up a Bad loan I signed in XXXX with XXXX. 
Mr. Cooper is stating that it was with XXXX! 

I have documents attached to prove it was with XXXX. 

Mr. Cooper is referring to an ARM loan, which there was a class action suit against the ARM loan I was given in XXXX by XXXX. 

Again I have been on my property for 42 years! 

Thank you for all you help! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Capital Bank, a division of Alliance Data ( NYSE : ADS ) is willfully and intentionally violating the Consumer Protection Act. They have left a minimum of 3 voicemails to my daughter 's father ( me ), mother, and mother-in-law regarding a collection effort. They are NOT seeking information about how to contact my daughter, as allowed. They have been leaving her voicemail messages and by her outgoing greeting they know they are reaching her. 

They are contacting extended family all in separate households and states with the explicit intent of causing embarrassment, believing this gives them leverage in their efforts. This is a low-life company deliberately violating US policy. 

" Hi XXXX, my name is XXXX with Comenity Capital Bank. This message is intended for XXXX XXXX. I'm calling in regards to Children 's Place. We've made several attempts to reach XXXX regarding this matter, and I do need a return call today. My direct phone number is XXXX. And my extension is XXXX. XXXX if you could pass my information along that would be greatly appreciated again, my direct phone number is XXXX. My extension is XXXX '' This is out of bounds for what they are allowed and these out-of-bound messages are deliberate, intentional, and illegal. They are simply the worst collections policies and practices I've seen in my entire life. Shame on the soulless people that choose to work there and use these tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I noticed my credit reports were frozen through XXXX, TransUnion and 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 2023-03-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was fraudulently used. I kept waiting for weeks while my account has been negative due to the fraudulent charge. I found out two days ago that my dispute did not go in my favor. I called one of the companys myself and was told that Citibank never contacted them about a charge back or reguarding the amount. Citibank denied my claim without any investigation. I have proof from one of the companies saying they were never contacted. Citibank never provided me with any evidence of their investigation. They lied and didnt do a proper investigation.

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 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent updated information to all three of the credit bureaus with a returned letter updating the information to an inaccurate reporting. This is done intentionally by a insiders in the credit bureaus '. Please review the letter sent to all three credit bureaus ' requesting info be updated below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
XX/XX/2021 I applied for refinance and it was approved and I was told the next 2 months do not pay. I signed papers over the Internet. The following month I was told that I had missed a payment and I need to do a modification and then I had to make 3 consecutive payments with out missing a month in between. After that they approved my refinance after that and I change to a 3.0 % but it does shows on my credit report as missing a payment. I have been trying to switch loan company.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Good Morning, Reached out to XXXX XXXX  DBA XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and  inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.

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 2021-11-12
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding false and unknown things on my credit report. To this day it is 56 days later I have not received any response or documentation from Equifax as of yet. I feel like I'm being taken advantage of and being ignored by my disputes. Accordance to Fair Credit Reporting Act Section 611 ( a ), it is plainly stating that a failure to investigate the items within 30 business days or more gives a reason to immediately remove the item from my credit report. It has been over 30 business days so they should remove this promptly. I demand this account be deleted soon as possible or I will file for ligation due to the stress and damages you have caused me. My information was also impacted by the Equifax data breach and may have gotten to the hands of a computer or wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent.

There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported.

Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Dept of Ed? XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Delete the following collections and charge XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Thank you for your cooperation

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 2022-08-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Navy Federal Credit Union over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the XXXX ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TrueAccord Corp.
State: TX
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 tried disputing several accounts and inquires on my credit report but nothing has been done and I have given my supporting details and documents but due to my inability to properly identify myself or security questions given.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX 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 2022-01-12
Company: FIRST NATIONAL BANK OF OMAHA
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
First National Bank of Omaha is engaged in deceptive marketing practices. They are sending out mailers that appear to suggest the consumer is receiving a pre-approved credit card application. Only once the " invitation '' application is submitted on their website do they actually disclose the fact that they are going to review the application instead of immediately approve what appeared to be a pre-approved offer. The consumer suffers a hard inquiry on their credit report and does not receive the promised credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX ( XXXX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX  Account # 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 2023-02-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 USC 1681b- Permissible purposes of consumer reports.

( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I HAVE NOT GIVEN ANY INSTRUCTIONS TO THE REPORTING AGENCY TO FURNISH MY CONSUMER REPORT. 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : ( 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 XXXX XXXX XXXX XXXX XXXX 
TransUnion, XXXX, and XXXX also has violated my rights to privacy by furnishing these reports to my consumer report without any written consent from me the consumer

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 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a college student from XXXX XXXX. I opened a bank account from Bank of America and I deposited a fake check of {$2400.00} in late XXXX, 2022. I was looking for a replacement to take over my apartment lease but the person turned out to be a scammer. Of course, I realized right after I deposited the fake e-check and the money bounced back right away. In about 6 months, in early XXXX, Bank of America suddenly closed my bank account which still has money of about {$1100.00}. I have been trying to talk with BofA customer service, but they always keep telling me to just wait until they finish their investigation and they always say how long it will take. I have been calling them for the past three months, they always answer the same thing. I am graduating and going back to XXXX XXXX in XXXX. If I can't get my money back by then, I have to lose my money since I have to seek a job in XXXX starting XXXX. I did not do anything wrong but deposited a fake check from an unknown person. The money just bounced back right away so I've never been able to use any amount from the fake check. But bank of america closed my bank account without any notice and also reported me to XXXX system and still hold my money not giving my money back. This is unfair. They do not talk with me always read the lines saying " wait ''.

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 2021-01-29
Company: CITIBANK, N.A.
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:
Today XX/XX/2021 some ones calling me that he is from citibank card he said that my new citibank card is for delivery the next day.Then he ask my card expiry and the other 3 digits number of my card.Then he said that citibank has freebie and give away. First he transact the XXXX amounting to XXXX, he said that this is the give away of citibank I can use this for shopping online or in Dept. Store. After a seconds citibank send me otp and he ask for the otp which i give then i ask what happend why it charged to my credit card he said that XXXX will pay to citibank. Then second is XXXX voucher amounting to XXXX with charge XXXX..same as what he say about XXXX.I can used this for food ordering with 1 year expiry.Again citibank send me otp.And he ask for it. Total amount is XXXX..I was hypnotized by that time..I dont know why i gave that information to him..After the call I realized that what is that.I back read the text of citibank and call the citibank but the transaction was already done..Just a min after the transaction I call the bank but its very difficult to call the bank it took an hour before I reached them but sad to say they cant help me anymore..I ask them to stop the transaction but they can't..I call again to ask help but they cant help me to stop the transaction anymore..I was very sad and lonely.Im just in the house but i was scam. This is the number that he used to call me XXXX. I hope you can help me.I am an ordinary employee that suffers this pandemic, I work only 4 times a week. I dont know where i get to pay this amount.I hope you can help me to solve this problem. Please please help me.

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