BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a complete financial documents to my lender and they claim they have not received complete taxes now taxes for XX/XX/XXXX/XX/XX/XXXX have been provided now they claim because I submitted XX/XX/XXXXTax Transcripts the file is not complete.

Transcripts come directly from the IRS and are to be accepted. They are delaying the process of my review causing me to fall future behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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: Old information reappears or never goes away

Complaint:
I requested in 2018 from XXXX XXXX attempting to collect an alleged debt owed to XXXX when they had repurchased the debt that XXXX XXXX provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. As well proof of original debt including but not limited to date of last payment made on account and details for the alleged debt. 
I never received any of the information requested. 
After disputing the information, The credit bureaus failed to confirm the date of alleged debt well exceeds 7 years and refuses to correct the inaccurate information and continues to treat the matter as a current debt every time the account is resold even though this is past 7 years and has been disputed by 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
Consumer complaint received 2020-06-29
Company: Utah System of Higher Education
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Attending the University XXXX XXXX  from fall XXXX I took out four ( 4 ) FFELP Stafford subsidized and six ( 6 ) FFELP Stafford unsubsidized loans totaling {$66000.00} from the Utah State Board of Regents. After completing my XXXX. in XXXX, I began paying the debt back. To my amazement I'd learned that Utah sold my loans to my loan service provider-XXXX, More amazing was in XXXX my loans were consolidated and sold back to the Utah Board of Regents and my interest rate was adjusted 2 % higher. ALL DONE WITHOUT ANY NOTIFICATION OR MY CONSENT. For almost 16 years I've made payments on time every time despite a bout with XXXX, a very nasty divorce ( lasting almost 4 years leaving me penniless ). About two years ago I heard of the two Federal loan forgiveness programs ( XXXX  and public service ). For 20 years i've XXXX  in XXXX XXXX XXXX  and match the criteria forforgiveness perfectly. After my third attempt to apply to the program ( Utah lost my paperwork twice ) I was told that the loans were consolidated and were no longer under the federal umbrella. I was told 'tough ' you're a rich XXXX  from DC and I was going to have to pay them off. I learned about two weeks after the phone conversation that my loans were bought AGAIN .... BY THE SAME LOAN COMPANY! I feel this THIRD refinance had to do with my request for forgiveness and gave them to raise my interest another point. My last payment is due XX/XX/XXXX ( I'll be XXXX yrs old - did I mention I plan to retire next year? ) Since beginning payments in XXXX I've never been notified about anything or have I signed any kind of agreement. In XXXX the financial aid office did not provide counseling or provide updates or information other than I the paperwork i signed agreeing to the loans. i challenge them to provide documents. Thanks for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score! 

Her name is XXXX XXXX and my account number is XXXX. 

And during the pandemic she is not waiting to see the final dispute result instead threatening me. 

Their number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020,, Continued Issues,, Just Heard About The ( BIG ) Matter About Mr XXXX,, Ceo,, of Wells Fargo Bank,, Even If He Did Make This Very,, BAD, ) Comment This Can't Change He Meant What He Said,, And It Is Very UnAcceptable Behavior At This Company,, I'm A Loyal Customer At This Company,,,, So I Feel So Upset About This Matter,, He Too Should Be Fired,, ASAP,, This Is Not Forgiving At All,, He Really Makes The Company,, MESSY,, Too,, ( Quote,,, What Kind Of Business Is This,,? What Matter Is He Said It, and This Can't Be Taken Back At All,, What Is The President Saying About This Problem???

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 2018-02-21
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2019 ). 
XXXX XXXX XXXX Dealer Financ ( XX/XX/2019 ). 
XXXX XXXX ( XX/XX/2019 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have requested the removal of inquires on my credit report for XXXX XXXX and XXXX. I did not authorize those inquires.

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 2018-06-13
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage bought & serviced by Seterus , Inc . I received an email from them on XX/XX/XXXX that stated if I paid off the late fees I would receive a discount of 50 % of these fees if paid by XX/XX/XXXX. I contacted a rep ( either XXXX XXXX or XXXX XXXX ) on or about XX/XX/XXXX regarding a payoff as I was in the process of selling the home. After extended periods on hold and questions I was assured that I would receive an escrow refund as well as the late charge refund within 30 days as required by regulation. I had issues with his responses and asked to speak with a supervisor ( XXXX XXXX ) who indicated the same. I paid off the loan in full ( including the full amount of late charges ) on XX/XX/XXXX. I received a check ( with no explanation or accounting whatsoever ) that stated " escrow disbursement '' with no refund for fees. I spoke with a XXXX XXXX   who indicated I would need to send emails to his legal department to receive my refund. I asked to speak with his supervisor ( XXXX XXXX ) who tried to explain that there is an issue that I paid in full rather than just the late charges. The email did not specify any of this and again I was promised by several employees I would recieve my refund within the 30 day regulatory period. I indicated it was their ( Seterus ) issue and they should talk to legal. He refused and I asked to speak with his supervisor ( XXXX XXXX ) whom has not called as of yet. I do not feel like I need to battle their legal department for the refund they promised several times. I can forward all information including the refund email along with loan # 's etc. if necessary.

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 2018-06-13
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
a mortgage co.named XXXX XXXX bought my mortgage from XXXX XXXX they sold it to s.l.s. specialized loan service s.l.s. started making my realestate tax payments without my knowledge they claimed I was not paying them so they reported to credit bureau my rating went from XXXX to XXXX so now I can't get a refinance I pay my homeowners ins s.l.s. sent a fax to travelers telling them I filed bankruptcy and my home of 33years was in foreclosure both lies I have a copy of the fax they sent to travelers travelers told my agent I have 20 days to prove otherwise I did that the last I've heard from them summing up my good credit of 50 years is shot I had a XXXX last XXXX. I can't get out from under s.l.s. can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minnXXXX 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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 




I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2018-03-10
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: Personal information incorrect

Complaint:
Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.

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 2018-06-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called Transunion on XX/XX/XXXX because I noticed that some inquiries had reappeared on my credit report that weren't there before. Come to find out they had deleted them on accident and put them back on without notifying me first. I found out that its illegal and asked them to be removed but they weren't. Here 's a list of the inquiries XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Acc Inquiry from XXXX XXXX XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance

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 2018-06-13
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX rooms ( {$1400.00} ) was book on XXXX in Washington XXXX ( i never been to XXXX ) i didn't know anything about it until i check my online account i called td bank and put in a claim i call the hotel in XXXX they told me to call booking.com i called them they told me if i could give them any info i told them i couldn't because i didn't know about the rooms being booked they gave me my money back ... then two weeks ago they took my money back out my account they said i was still using my card my card was still link to different credit cards and bills i don't even have a card now because im scared something else might happen ... this has cause me stress i have XXXX kids and bills back up i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: I.C. System, 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:
I am a victim of identity theft and have tried to have these reports removed from my credit report. I have not been successful and need assistance

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 2021-05-07
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I have a loan with SYNCB/XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX and XXXX, and SYNCB/XXXXE XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.

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 2020-07-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I attempted to create an online account with Wells Fargo to view my mortgage payment history but was prevented for security reasons. It took me over an hour on the phone to determine why. Wells Fargo 's system erroneously populated a disconnected phone number associated with my co-signer on her old satisfied loan. I was told I'd have to wait for a letter via US mail to grant me access to my information and history online. 

I waited 10 business days and never received it. 
I contacted Wells Fargo again via their website. 
I never received a reply. 

If and when the Post Office loses my mortgage statement, I should be able to access MY information online and not spend hours on the phone with Wells Fargo staff.

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 2020-02-05
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 non-monetary relief
Consumer complaint received 2021-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint regarding a bank of America credit card that I closed. The complaint number is XXXX. Bank of America did not try to resolve the issue and continue to send me statements and have caused a negative credit report to be submitted. The original complaint is still open even though they responded on XX/XX/XXXX that they were looking into it. This is a small issue over {$40.00}. I believe they are not attempting to resolve the issue and are instead causing my credit rating to be impacted.

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