BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On, XX/XX/2020 at approximately XXXX XXXX, I contacted Mr. Cooper, my current mortgage holder/servicer, by phone, to discuss a possible refinancing or home equity line to finance home repairs. I was asked about my employment and answered that my wife is self employed and I have an employer. The representative told me that currently, they are not underwriting self employed persons and so therefore only my income and credit information would be considered. 

I was asked for permission to pull my credit report, which I gave. I was not asked if it was okay to pull my wife 's credit report and the representative had just explained that she could not be considered with regard to this loan. Because we use credit monitoring services, we were immediately alerted to the fact that a hard credit inquiry had been made on my wife 's credit report. 

A hard inquiry is a 25 point hit to the credit score, and my wife has been working to rebuild her score and is judicious about things that would detract from it. 

We were told she could not and would not be considered in the loan review, so her credit information should not have been pulled. Furthermore, before initiating the credit inquiry, if they had asked me to provide my score, I could have provided it and they would have known it was below their threshold. So, for us, merely asking for information about the financing possibilities resulted in a credit denial and derogatory marks on our credit record for simply seeking information to make decisions with. 

This is a problem not only with the company 's practice in this instance, but also with the credit system. Seeking information to make good decisions with should not result in derogatory marks on credit. It's completely counterproductive to consumers getting information to penalize consumers for seeking the best credit terms available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: AES/PHEAA
State: IN
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:
FedLoan Servicing keeps adding balances and subtracting them from my account. These accounts were reported late between the years of XXXX. This has adversely affected my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one,  they did not have my correct contact Information and I was not able to be notified that my accounts were out of forbearance. I respectfully ask that the late payments due to this are removed and set the current. As soon as I contacted fed loan servicing, my loans were updated back to the forbearance status. Also, I would like to request that all loans older than 6 years be removed from my credit report, as that is longer than the SOL in my state. I need this removed ASAP, as FedLoan servicing is participating in illegal collecting and reporting practices. I have contacted them repeatedly to try and resolve this matter as well as speaking to supervisors in numerous departments without a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
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: Reporting company used your report improperly

Complaint:
I the natural person and consumer sent EQUIFAX/XXXX XXXX a copy of the police report I filed with my local police department XXXX COUNTY SHERIFFS DEPARTMENT, with the FTC, copies of my identity, a notarized identity theft affidavit and written a statement and written instructions stating " Concerning the accounts listed below as the consumer Im demanding you delete and block these accounts : 1. XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 2. XXXX/XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXX  ACCOUNT # xxxxxxxxxxxx XXXX 4. XXXX XXXX ACCOUNT # xxxxxxxxxxxx XXXX 5. XXXX xxxxxxxxxxxx XXXX 6. XXXX XXXX XXXX  ACCOUNT # xxxxx XXXX 7. XXXX XXXX XXXX ACCOUNT xxxxx XXXX 8. XXXX XXXX XXXX  ACCOUNT xxxxx XXXX Concerning the inquiries listed below as the consumer Im demanding you delete and block these inquiries : 1. XXXX - CARD SERVICES 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Delete and block the address XXXX XXXX XXXX XXXX SC XXXX. 




Send me a copy of my credit file to reflect all of the deletions., '' Which they received on XX/XX/XXXX with a green return receipt, about the identity theft they had committed and to delete and block the information arising from this identity theft from my consumer reports within 4 business days pursuant to federal law 15 USC 1681c-2. EQUIFAX/XXXX XXXX have not yet deleted and blocked this information from my consumer reports. This is causing me the consumer and natural person much financial harm as it is weighing against my character, reputation and credit standing. I never gave EQUIFAX/XXXX  XXXX consent to report this information and this is a direct violation of my right to privacy. I am a federally protected consumer and the Fair Credit Reporting act was created to protect me and my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). These actions are illegal as EQUIFAXXXXX XXXX are breaking several federal laws. EQUIFAX/XXXX XXXX are civilly liable for the damages this is causing me and my family pursuant to 15 USC 1681n in which I will pursue. I have attached a copy of the documents that was sent by certified mail with a copy of the green return receipt that shows XXXX XXXX received the documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
At the time of identity XXXX gain access I believe all my personal information including my Social Security number was used to open up account without my permission and my authorization I hope by submitting this it will put a stop to this issue from ever occurring

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 2022-02-18
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX One Main Financial XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.

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 2021-09-22
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had recieved a letter from Apple Bank telling me that I had an account that was in danger of being given up to the state due to inactivity. Upon receipt of this letter i visited the XXXX branch of Apple Bank in XXXX XXXX, NY and attempted to access the account information. I was able to learn that this was a Custodial account opened at least a decade ago by my mother with me set as the beneficiary to recieve the funds when I became an adult. Now, being XXXX XXXX XXXX the Custodial account should have been transferred fully into my name as per the UTMA ( Uniform Transfer to Minors Act ). However, Apple Bank now refuses to allow me to have any information about the account but will allow my mother to withdraw all the funds even though the XXXX clearly states that the funds should now be in my sole control and that no withdrawal shall be made that does not benefit the beneficiary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX Common Wealth Financial XXXX  XXXX XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. 

To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX and I been having a lot of Identity Theft with my Socila Security # I been more than 2 weeks trying to close accounts that I never oopen and some other cards that they been duplicate and used by another person.It 's been an nightmare it looks I can't control people using my information from me .It looks someone stole information from my mail box.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from the listed account ( s ). Block and Remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: IN
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:
I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now XXXX  and Equifax have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on XXXX  or Equifax and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: National Credit Adjusters, LLC
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 XXXX XXXX have a collection from nca collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested nca to remove off my credit report. Which it was remove from XXXX  and XXXX. But XXXX has not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. On XX/XX/XXXX, a new account was added to my credit report by AMSHER COLLECTION SERVICES for {$1100.00}. I have no knowledge of this account so on XX/XX/XXXX, I disputed the account online with XXXX and XXXX. I have disputed this account twice and it still hasn't been removed. I contacted the collection agency today to dispute the account and the representative stated, which I also have a recording, that the account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. But looking at what's on my report it's showing no payment history in XXXX at all. So I do not understand what's going on. Seems that the collection agency doesn't even have knowledge of who the account belongs to being that the dates she stated over the phone don't even match up to what's reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: AMERICAN ADVISORS GROUP
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
A reverse mortgage was taken on the residence in XX/XX/XXXX. The mortgagee died in XX/XX/XXXX. As a trustee of the estate, I have tried since XXXX to get the payoff amount on the loan, to pay it off so the house can be sold. The company, American Advisors Group, has stalled and avoided providing this information since XX/XX/XXXX and it is now XX/XX/XXXX. I have been told the the payoff amount will be sent within 7 to 10 business days at least 3 times. Each time the payoff amount changes before I can get the payoff on the loan. I have since found a buyer for the property and the American Advisors Group ( Reverse Department ) then required their company to do an appraisal on the property. This took several weeks and I am now having the same trouble getting the appraisal from them. I have spoke to several customer service representatives regarding this issue and each time there has been an error on their part to include sending the information to the wrong email address! My frustration has peaked and I asked to speak to a supervisor to get the problem resolved and get both a payoff and a copy of the appraisal. I was again told 7 to 10 days before it could be sent. I spoke to XXXX who claimed to be the supervisor and she told me that nothing could be done and that their procedures involved other departments and the 7-10 day timeline would still be observed even though the mistake was theirs, meanwhile the interest on the reverse mortgage continues to grow and consume the equity left in the property. I asked to speak to XXXX 's supervisor and she refused to accommodate the request and said that it was n't necessary and that she was the only supervisor necessary for me to talk to, preventing me from escalating a complaint. This is a clear stall tactic being employed by the company to delay the payoff of the loan and to bolster their profit. There is no recourse or process available internally to get American Advisors Group to provide timely service on such a predatory tactic, contacting an actual supervisor to file a complaint is impossible at this point. I am begging for assistance through the Consumer Financial Protection Bureau. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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:
XXXX Consumer solutions Is still negatively reporting XXXX  XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from XXXX Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance

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 2017-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian XXXX & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters  below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely 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