BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we were notified that a parcel of land, that we own, had not had the taxes paid for since we bought it, XX/XX/XXXX, therefore it will be sold in a tax sale, as of XX/XX/XXXX. We notified our mortgage company, National Star/Mr Cooper. We were informed that it would be immediately correctly and not to worry. We have been working with XXXX County Treasurer 's office ( in Indiana ) to correct the situation, however, Mr Cooper has been fighting against us to pay the taxes, even though we have an escrow account established, from day one of the loan. We have tried, weekly, to resolve this issue to no avail. Mr Cooper refuses to cooperate in any corrections. My husband is a XXXX veteran who has NEVER missed a payment, never had a late payment, and here we are on the verge of losing our home in 7 days. They are taking monies out of our account and NOT paying the taxes. We are angry and scared that we are losing everything that we worked so hard to get, all because a company, that was trusted, is destroying it. My husband suffers from XXXX and this situation has put him in a tailspin. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following accounts and credit inquiries listed on my XXXX and Trans Union credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Im involved in a puppy scam. On XX/XX/2020 I Thought l was buying a XXXX XXXX XXXX week old puppy l use my FDIC back bank account to transfer money through XXXX. The website was fraudulent. I called the bank to report it they said there was nothing they could do about XXXX my {$700.00} is a lost. My question is how can a FDIC bank offer a service that has the potential to cheat people out of there money. I have another bank its an on-line only account the cash app or XXXX would not accept is because the account had to many numbers. They have a fail safe system that works and you can transfer money from account.Im very disappointed in Bank of America and how they offer a service embedded in our accounts XXXX but will not back any transaction. I file a claim with them they said they would investigate but we do not refund from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit report showing late payments. I have never been late paying my payments. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On Friday, XX/XX/XXXX, I received a low-balance alert email from XXXX XXXX indicating that I had {$0.00} available. Knowing that I had at least {$450.00} in my account, I contacted the bank and was told that there was a hold placed on my account ( for which they charged me {$75.00} ). I asked if they could give me the information of the party that placed the hold on my account and they advised that it was a small claims court in NJ ( where I live ) and gave me court case number. They told me to contact the court at ( XXXX ). When I called, I was told that a credit card company by the name of Midland Credit initiated the action and that I should have received a summons notifying me that I was being sued for {$1900.00}. I told her that I have never received any summons by mail or any other method. She then read off my address and said that the summons should have been sent via Certified Mail. While my address was correct, I again repeated that I had not received any communications from anyone, particularly not from a court and that I had not heard from Midland Credit for easily two years. I shared that the debt seemed accurate ( although I would have to check my records ) but that I would need to confirm. I also stated that the action left me in dire straits as both my husband and I have significant health issues ( he is on XXXX  and is XXXX XXXX ) and this " hold '' resulted in us having no money to access for food or medications. She told me that there was no way that the hold could be released and that it could take several business days to be released. She also shared that it was currently a " one time  hold '' and that any expected deposits to that account would be free for my use. She gave me a phone number to contact ( XXXX ) and told me to contact Midland in an effort to resolve the issue. She also gave me what she thought would be the case number I should reference when I call. I wrote to Midland online but have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is NOT abiding by law. I have tried numerous times to fix this issue with the furnishing dept. Typically, the loan amount is posted onto the credit report and principle gets secured every month. Never does a 10 day payoff amount get posted and NEVER does it increase due to interest. They have been increasing every single month, not deducting the principle. We took a loan amount of {$25000.00}. Our statement from XX/XX/XXXX shows a balance of {$24000.00}. Instead, theyre actively INCREASING this amount which by law, is severely incorrect. This is not a revolving account but seems to be treated as such. This is HURTING my credit, increasing my Debt to income ration every month when it should be decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED ACCESS TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE 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 explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 reached out to Transunion recently in regards to some accounts reporting on my credit file that never belonged to me nor did I request any credit for. Transunion responded to my dispute accusing me of using a credit repair company. Even though it isn't illegal to use a credit repair service, I am very knowledgeable and informed when it comes to information pertaining to the Fair Credit Reporting Act. I find this response from Transunion unacceptable without showing or declaring any proof of their claim. Transunion failure to investigate this matter is a clear violation of the FCRA as well my rights as a consumer and victims of identity theft.

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 2018-05-07
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2013, this debt for {$1100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit 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 explanation
Consumer complaint received 2023-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Select portafolio was charging me mortgage payment that dont belong to the bank they was working for treating to foreclose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Despite my forbearance having ended months ago, Lakeview/XXXX has decided to extend it to the date of XX/XX/XXXX. It had ended in XXXX of XXXX and I was not only current, but had paid a month in advance. In XXXX I began working with a new lender to refinance through the FHA streamline program. There have been multiple issues with Lakeview/XXXX seemingly doing everything in their power to prevent the closing. I was to close with my new lender last month but a lien had been placed against me by LakeviewXXXX that prevented the title transfer. We had to move our closing to a date of XX/XX/XXXX. Now my forbearance has an end date of XX/XX/XXXX. I did not request for this to be done. I have auto pay set up through Lakeview/XXXX website and was assured in XXXX the autopay would resume as normal. As of XX/XX/XXXX my payment was not auto drafted. I have had to manually submit a payment now. I called multiple times and was told my forbearance ended in XXXX, ended in XXXX, ended XX/XX/XXXX or ended XXXX. I asked for the documents to be sent and was told I couldnt get access to them any earlier than XX/XX/XXXX. I requested the issue to be escalated and was told the only way to do that was to file a complaint online. When I go to the contact us section, there is no option to file a complaint to escalate an issue of any kind.

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 2021-06-02
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied to refinance our home loan in XX/XX/2021 and submitted all required documents by XX/XX/XXXX and received a conditional approval. Since then it has been radio silence from the lender ( TCF Bank ). They do not respond to our emails and calls and haven't been able to explain why our refi has not closed. We suspect the lender is intentionally delaying to continue to collect interest from us at the higher rate of our original mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I transferred {$250.00} electronically out of my checking account at Fifth Third Bank to another financial institution. The bank charged {$3.00} for this transfer. The brochure that describes the account I have ( Free Checking Plus ) does not list this fee in the list of fees provided on page 7 and 8 of the brochure. I am attaching this brochure below. When I contacted customer service to see if this fee was a mistake, they said it was not. They had no explanation why this fee was not disclosed in their literature for this type of account. It is my understanding that banks are required to disclose all fees to their customers. If that is the case, Fifth Third Bank is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( transunion, XXXX and XXXX )  listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


Transunion & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 2020-05-04
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my direct express debit card at a corner store at the ATM ... the ATM crashed at the end of my transaction and put an error message up ... the money never came out ... ..i told the owner of the store and he checked the machine and said the money was never dispensed ... I told him I KNOW ... but the money was already deducted from my account! He told me to call my bank ... .i then called the police and they advised me to call number on ATM ... ..i immediately did ... .they asked for my card number I gave it ... .they advised me the money was never dispensed ... .i knew that but couldn't understand why it was paid on my account ... i spent the next 3 days trying to get in touch with my bank which was impossible ... i finally got some one and they took my dispute ... .and told me I could get a provisional. Credit after paperwork was received. I thought problem solved ... then I tried to use my card for a simple purchase and it was declined ... i checked my account online and my card had a fraud suspension on it ... .at this time days later I have been unsuccessful contacting my bank ... .they won't answer ... i have been on hold for hours and hours and they won't answer they stole XXXX XXXX dollars from my social security money and they won't take my call ... .during this stressful time financially they took advantage of me ... .ive been ready about direct express on the XXXX website ... .and I'm shocked this fraud is perpetrated on hundreds of people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is my loan servicing company. I paid off my loan and Mr Cooper received the funds and refused to credit my account. I have talked to 5 customer service representatives. Four said they would fix the problem. The problem is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Velocity Investments purchased a debt that the company claims I owe. This alleged debt was purchased from another debt collection agency, which purchased it from the original creditor. The supposed debt is related to an account that was closed or sold to a debt collection agency in XX/XX/XXXX ( over 4 years ago ). Velocity Investments has filed a lawsuit against me in relation to this account. Since XX/XX/XXXX, there have been no communications between myself and the original creditor OR any debt collection agency. I have not engaged with Velocity Investments in any way. I only recently learned of this lawsuit when a process server called my cell phone and left a voicemail. An online search led me to find out that a lawsuit had been filed against me in XXXX XXXX Superior Court on XX/XX/XXXX regarding an alleged debt of {$3200.00}. A Proof of Service has not been filed with the Court, yet I see in the Complaint filed that Velocity Investments alleges that I made a payment in XX/XX/XXXX. My credit report states that the last payment made was in XX/XX/XXXX, not XX/XX/XXXX. 

No contract has been signed with this company and I have not had any communications with them. The blatant aggressiveness of this company has deterred me from attempting to contact them. 

The resolution I am seeking is for this frivolous lawsuit to be terminated. This lawsuit was wrongfully filed and was done so with the purpose of harassing and intimidating 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 2019-04-29
Company: Western-Shamrock Corporation
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:
To : WESTERN SHAMROCK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX From : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Western Shamrock put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with Global Lending, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation