BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX has attempted to wrongfully foreclose on my home, claiming to represent Nationstar Mortgage as the named Plaintiff, and a foreclosure sale has been scheduled for XX/XX/2020. 

Nationstar Mortgage was never the legal holder of the note and/or mortgage to my real property. 

I have contacted Nationstar Mortgage regarding this foreclosure action, and they have repeatedly informed me that they are not the servicer and that they are not pursuing any foreclosure actions against my property. 

In fact, in a recent response to a CFPB complaint against Nationstar Mtg dba Mr. Cooper, I was informed by a representative of Mr. Cooper that there is nothing they could do about the foreclosure proceedings because they are not the holder of the note. 

I would like to verify whether or not Nationstar Mortgage has retained XXXX XXXX XXXX XXXX to represent them in this active foreclosure proceeding, or is this a sham proceeding? If Nationstar Mortgage is the true Plaintiff, why are they attempting to foreclose on my property when they have no legal authority to do so? 

Please help me resolve this matter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion and XXXX refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...

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 2021-07-13
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
XX/XX/XXXX I Was in a vehicle accident ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent Santander a check and the account was shown as paid off as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to Santander on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress inflicted upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX  and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a ppp loan on XX/XX/XXXX of this year for my business working with the XXXX  XXXX. I had bank with chime for many years and had no problems with them. But on the morning of XX/XX/XXXX of this year I got a email saying my account was being suspended. I called and they said they need my ID, LLC or something with the business name, a bill in my name and why these funds was given to me and if these funds was from my employer a note from them. I sent them something with the company name, a bill and my ID with a explanation why I got the funds and two days later my account was closed. I spoke for months with different rude people from chime and XXXX 's and was given no help until around XXXX after a investigation was done by XXXX 's in XXXX and they gave me a ticket number two different representatives told me a check of XXXX would be mailed out. They told me that after 30 days of the account being closed it should've been sent out and call back on the XXXX of XXXX if it hasn't. When it hadn't been I called back and they wouldn't direct my calls back to that department and told me that no one ever told me a check would be mailed out. I continued to call and last month someone told me that they need the things they originally asked for and if done they'd mail a check for my funds of XXXX and I should receive it in a couple of days. I asked the representatives again if I sent him my LLC, a explanation of why I received the funds and my ID with a bill a check would be sent and he said yes. So yesterday XX/XX/XXXX I sent them my LLC, a piece of mail with my business name and my ID, ss, a bill and some documents from the lender. This has been a horrible experience. I'm at risk of losing everything. My home, struggling with my bills and my business. It's caused so much stress and it seems like chime doesn't care what this has done to my life, my family and many others that this has happened to. I'm hoping with all the information sent to chime support will be enough to resolve this matter. I even spoke with XXXX XXXX with no help also. Both XXXX and XXXX 's blamed chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for the {$1.00} trial of Experian Credit monitoring membership. I did not cancel my subscription in time and they began charging me {$29.00} per month. My fault for not canceling, but I never authorized the additional charges. To make matters worse, they make it basically impossible to cancel service. I have called them 4 times, each time holding from 1 1/2 to 2 1/2 hours and they continue charging me. 
This company is a complete SCAM.

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 2021-07-13
Company: EQUIFAX, 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:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called Navient 6 times over the last two days. I keep getting transferred from person to person with no answer no help and no resolution. I want to consolidate my 4 loans into 1 loan. And I want to get an affordable payment. My private loans through Navient total over XXXX and this is going to force me into default which I can not allow to happen. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: MT
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 recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am being harassed by Carrington loss department about the check for my repairs. The bankruptcy has even verified that they are supposed to sign the check and mail it back to me to sign and cash. But I am being harassed by this XXXX and she disconnects the call during business hours and refuses to speak with me. I am being harassed and abused by them for no reason. Because I am a single female who is XXXX XXXX XXXX. This one employee has even listened to the phone call I made on XX/XX/2021. When the woman I spoke to telling me to overnight it for them to sign the check and mail it back to me. I will not sign it for them to do whatever they want to with the money. I have been duped before. This is another form of harassment and XXXX  I am facing from Carrington. This male XXXX called me telling me the same thing more of the same thing because this XXXX who mailed the check back is being unprofessional refusing to talk to me. I have been done this way many times before. This will cost them more than just {$13000.00} they refuse to let me have it will be in the millions where I read online about other people in similar situations. 

XXXX isn't going to XXXX  no male to jump on me either. or sick some male on me to abuse me. XXXX is not ordering me around telling me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a number of store cards ( i.e. Lowes, XXXX ) which are issued by XXXX XXXX. XXXX XXXX keeps decreasing my credit limits each month on these cards and each time they do this lowers my credit score. 

In Synchrony 's letter it states card balance too high as one of the reasons for lowing the limit in essence they are creating this situation to happen. 

In addition, Synchrony also reports the lowing to the credit bureaus 30 days before I receive a letter from them. 

Their business practices are disgusting.

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 2018-08-06
Company: DISCOVER BANK
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 have disputed the account entry with Discover Financial Services and the credit bureaus alike for the inaccuracy in the reporting. Discover is currently reporting that I have a past due balance and past due amount of {$1300.00}. However, Discover sent a XXXX for this same account entry. They did not update the credit bureaus with this information and has since then continued to report this amount. Since the XXXX was sent, it established the premise for the understanding of the IRS tax law that since Discover canceled the debt with the sending of this form, it should be reflected as such on my credit report. 

When I disputed this entry previously with Discover and the credit bureaus, I was informed that the account entry had been verified. This is far from the truth because if it had been, it would be reflected on my credit reports. To that end, this entry must be deleted as it is inaccurate. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed and should be reporting a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be reporting accurately. I have contacted the bureau to fix this however, I have not been successful.

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 2020-07-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This XXXX XXXX  XXXX account is fraudulent it was removed from my credit report by the creditor, and XXXX  has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status 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 explanation
Consumer complaint received 2021-07-13
Company: Meade & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I suggest that Synchrony Bank absolutely knows what they are doing and should be reprimanded and fined. I had 2 cards, one with XXXX and another with XXXX through Synchrony. In both cases I was signed up for e-billing. The balances were low and the month they were due I researched my files and I had never received an e-bill. Both accounts were then charged large fees and interest. 

I went back to my last XXXX bill and found that Synchrony had applied a fee of {$14.00} on a bill of {$13.00}. The same situation occurred where no e-bill was sent. I paid the bill without recognizing the fee. The most recent bills are as follows ... .... 

1 ) XXXX {$330.00} purchased + Fees {$25.00} + interest {$7.00} no bill received the first month it was due, only the second month with the fees and interest added. 

2 ) XXXX {$71.00} purchased + Fees {$29.00} no bill received the first month it was due, only the second month with the fee added. 

Now XXXX has just issued new cards through XXXX. Do they know something? Has this been reported before? I believe this is a practice for profits from Synchrony Bank. 

I have been issued credit for both 1 & 2 above. There were no questions and they immediately resolved the issue ( 2 different phone numbers ) when I told them this was a scam. 
Maybe they have trained their personnel about the process?

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Some one has been using my identity without consent the following was opened account XXXX XXXX account, XXXX XXXX XXXX year XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX auto loan, XXXX XXXX auto loan , XXXX XXXX auto loan XXXX XXXX XXXX auto loan XXXX XXXX XXXX student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: RGS Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : RGS FINANCIAL ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CCS Financial Services, Inc.
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source ( TMS ) serviced my home mortgage for the house I live in. I refinanced this loan with a new lender and TMS was paid off. 

The new loan disbursed on XX/XX/2020 and the loan that TMS serviced was paid off. However, they still have not refunded the escrow balance from the old loan. 

My TMS account shows escrow refund entries for XX/XX/2020, but I have never received the refund check ( s ) nor the escrow statement in the mail. TMS still owes me the {$1100.00} left over in the escrow account from the old loan. 

I called TMS on XX/XX/2020 at their toll free number. The customer service agent said she showed that the money went out on XX/XX/XXXX. She said she would put in an internal request to stop the first check and have a new check reissued by TMS escrow.

It has now been almost a month since I called TMS and I have heard nothing, nor have I received any check, call, or letter. It has been two months since my old loan was paid off and I am still owed the escrow refund! I would like the funds mailed to me ASAP. 

Thank you, XXXX

Company response to consumer: Closed with explanation