BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was with a bank named Nationstar a year later I find out that the name Mr Cooper will be taking over that old company and will for now be handling my account. My payments are set up to be automatically drafted from my checking account. Starting in XX/XX/2018, this company starting taking triple the amount of my SET rate out of my bank account. I went to the bank stopped the automated drafts. I called the company and told them for now on I will send you my payments. From then on I have. I have not missed a payment, never been late. I have full proof. My complaint is on this company for continuous bullying and harassment. I hired a attorney and he sent them a letter saying to no longer contact or mail me anything. So with that being said my most recent problem is I received a letter from the mortgage company saying Im 4 months behind in my payments. I told my attorney and he recommended contacting you because he could not do anything w/o taking them to court. I have plenty of proof of me making my payments and sending them on time. Please help me, im In desperate need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I filed a Chapter XXXX in XX/XX/XXXX. I recently looked at my credit. I have/had no late payments as reported by all of my creditors on all 3 reports. 

All creditors have noted " wage earners '', Chapter XXXX on each account. Federal Court has Chapter XXXX noted on credit report. 

CRA 's have added, in each account, a failure to pay, on whatever month they choose. The lastest being XX/XX/XXXX, which will extend the 7-10 years. 

So, Federal Court noted Chapter XXXX, creditors noted Chapter XXXX. Now CRA XXXX  have added to each account. So I had nothing bad reported except chapter XXXX. Now I have 12 derogatory remarks on my credit. It makes it impossible to rent or buy anything on credit. I can't even refinance my house. I understand it's bankruptcy, but without the CRA 's doing more than just coordinating the submissions, my score would be in the 600-700 range. My situation is different than most because I had no derogatory remarks from creditors. It's bad enough having a bankruptcy, having CRA 's do this is even worse. 

Why are CRA 's allowed to add any additional information to a creditors submission? Is this actually accurate?

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 2021-05-04
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 of collection reported on my account/collection letter sent to me, AD Astra add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$220.00} XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: VALLEY CREDIT SERVICES, INC. (WI)
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: Account status incorrect

Complaint:
I tried calling the company to make things easier and was willing to pay the debt if they would remove from my credit report. Their response was no and asked for payment and I then stated I would not be making a payment because I was not sure the debt was mine. I have never had a contract with this company and this account from the original creditor should be closed as a charged off

Company response to consumer: Untimely response
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a Wells Fargo checking account by clicking on the specific link on XXXX  for the {$400.00} new checking account offer. I have satisfied all of the requirements but Wells Fargo is not fulfulling their end by not depositing the {$400.00}. I have messages from Wells Fargo reps from XX/XX/19 confirming that the {$400.00} would be deposited after I met the requirements which I have. I am starting to think this was another ploy committed by Wells Fargo designed to get people to open new checking accounts and not holding their end of the deal up.

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 2017-05-21
Company: SYNCHRONY FINANCIAL
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:
Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17

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 2018-09-08
Company: VIRTUOSO SOURCING GROUP, LLC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Do not have an contract/agreement with Virtuoso Sourcing to pay aXXXX dollars collection. Never received information about this debt. But it is on my credit report. Mailed a validation letter to Collection agency. Waiting for response. Already worked out a payment plan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I do not use the card, I did not notice that there was an unauthorized charge in the amount XXXX on XX/XX/17. I did not pay the bill and then started getting emails and past due notices. When I realized, I contact them and they reversed the unauthorized charge yet continue to bill me for late charges and interest on a charge that they have reversed. I called them, they agreed but could not figure out how to transact it. They were combatative. This had impacted my credit and it is harassment.

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 2020-05-05
Company: EQUIFAX, INC.
State: MI
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:
I called XXXX  over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I send certified mail to BOA with notarized a affidavit about the violation 15 USC 1681n ( B ), exhibit A and the invoice for the violation. tracking number XXXX. Please see attached documents for more 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 explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On the XXXX of XXXX I sent Equifax a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Equifax on Wednesday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Equifax for months information has surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. A FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers license with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving.

Today is day 5, I have not received any corespondents from Equifax of them blocking this information. This is a violation.

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Equifax. 

**see affidavits attached**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I called Experian over 20 times on XX/XX/04. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.

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 2018-09-08
Company: Experian Information Solutions Inc.
State: NM
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:
My car company incorrectly reported a late payment for XX/XX/XXXX, then corrected it. After paying off the loan, as agreed, there was a computer generated error which caused this inaccuracy to be reported. They also reported that the account was closed versus " Paid as Agreed. '' All credit reporting agencies have corrected these inaccuracies, except Experian. I submitted a Dispute and received a letter that the information was correct. However, it is not correct. I do not believe they investigated this fully. If they had ( like all other reporting agencies ) it would have been corrected. This has had a significant impact on my credit score and needs to be rectified immediately. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date Opened XX/XX/XXXX StatusPaid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$14000.00} Highest Balance {$0.00} Terms 106 Months XXXX XX/XX/XXXX XXXX XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/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 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 - {$10000.00} was deposited from the SBA. On XX/XX/2021 {$5000.00} was deposited also from the SBA. I tried to sign on to the account on XX/XX/2021 and got an error message that the sign on and password didn't match. I tried many times during the day but got the same message. I had signed on on XX/XX/2021 with no problem. 
XX/XX/2021 - I tried to sign on, got the same error message as the day before plus an email telling me that the accounts are closed. 
I tried to call their customer service number but the recording told me my account was closed and then hung up on me. 
I have a main account in my name and a subaccount in my son 's name. There is about {$16000.00} in the main account and {$600.00}? in the subaccount. 
With no way to get in touch with them except via USPS it is very upsetting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened as a result of ID Theft. Ive never applied or done business with Discover Financial Services. Ive disputed this account with all 3 major credit bureaus, as well as filed a formal complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, to whom it may concern i am writing to you because my mortgage lender modified my loan back in XX/XX/2020. Since then i been asking for them to mail a copy of the final loan modification agreement. 


Since then they keep telling me they are working on it to update their system and bring the account current since it was modified. 

Now after 4 months trying to even get someone on the line from my mortgage company they keep blaming each other telling me that investor lost my loan modification agreement ( the final one ) and i have to re apply all over again. 

Which on the mortgage statement i am now showing behind with all payments. please help since i am XXXX years old and i dont have the energy to be after my mortgage company trying to fix their mistake. 

Please help!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2022-08-11
Company: DISCOVER BANK
State: VA
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:
Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with DISCOVER BANK and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.

Company response to consumer: Closed with explanation