BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Owner/Servicer of my mortgage filed for a foreclosure AFTER the Statute of Limitations date. This entity does not have the right to foreclose after XX/XX/XXXX. It is also unclear which entity is attempting to conduct the foreclosure, the Owner or the Servicer. If the Servicer is the entity who called for this foreclosure, they must prove that they possess the Power of Attorney, as the mortgage owner 's Attorney in Fact. The Foreclosure Attorney has refused to reveal who called for this foreclosure. This lack of clarity indicates that there is uncertainty as to who is the owner of my mortgage and if they are able to produce the original note. If this foreclosure does take place, the conducting party MUST produce this original note on the date of the sale, as well as proof of Power of Attorney. On XX/XX/XXXX, Nationstar declared themselves the owner of my mortgage through an Assignment of Mortgage. At that time Nationstar also declared themselves as XXXX XXXX 's Attorney in Fact. However, they provided no proof that they possess a Power of Attorney for XXXX XXXX. 
On XX/XX/XXXX, Nationstar assigned my mortgage back to XXXX XXXX. In doing so, a fraudulent address of the Assignee/Owner of my mortgage is recorded for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX   moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XX/XX/XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: NV
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:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 I had an unfortunate event happen to me and my phone was illicitly used for someone else 's financial gain. Luckily, at the time, I spoke to a representative of Venmo customer who walked me through how to fix my unfortunate situation. They advised me to call up my bank and have them put a stop payment to Venmo to stop the transaction of {$1500.00}. I followed their advice and did just that. The representative of Venmo told me that everything else would be taken care of. 

I followed their advice. I closed my Venmo account because I felt this application was too dangerous to me and it was too easy for someone to take money from someone else. But all in all, I felt like the situation was amended and fixed. 

Fast forward 18 months, I have now moved on with my life and have moved past the situation except apparently Venmo did not. Even though the customer representative told me the situation had been taken care of and I put my trust in them for the process, they had misled and lied to me. I am now in the process of being harassed by Venmo collections for this fraudulent transaction. 

Venmo doesn't seem to have a fraud department that actually deals with any of this. Venmo never actually got in contact to let me know something was wrong or let me know why their initial conversation was no longer being honored or why it isn't being honored 18 moths later. I have no idea why or how or what's going on. 

I wrote a letter to Venmo, which they never even responded to. Hopefully this can resolve the situation otherwise I will have to keep escalating this situation till it does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
Company: Bread Financial Holdings, Inc.
State: TX
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 : COMENITY BANK/EXPRESS Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : States, a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment 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 non-monetary relief
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit

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 2017-12-05
Company: CITIBANK, N.A.
State: OR
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:
I noticed a hard inquiry on my XXXX credit report. It was from XXXX on XXXX XXXX, 2017 for what XXXX identifies as Bank Credit Cards. This is their address and phone number : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX. 

I have spoken with Citibank 's fraud department asking why I have a hard inquiry from them and they told me someone tried to open a credit card account. They have given me the run around and will not remove the inquiry.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A person named XXXX, from Wells Fargo Dealership Services, keeps leaving messages for me at my father 's home and on my nieces cell phone. His message is to call him at XXXX. I have never been called directly. The problem is, I do not currently, nor have I ever had a car loan with them. I do n't even have a Wells Fargo bank account. 

When I return the call I am told there are XXXX XXXX at the office XXXX claiming not to be the caller. When I tell them I ca n't give an account number because I do n't have an account, I 'm then asked for my SSN. I refuse to give them that information as, if I indeed had a loan, they would have it on file. I have always given them my legal name when calling. ( Which, by the way " XXXX '' spelled incorrectly on his initial messages. ) They 've never been able to pull up any of the phone numbers they 've left messages for me on yet they continue to call them. In trying to get this resolved, I 've been left on hold for up to 20 minutes only to be hung up on. I 've left messages for a supervisor with no return call. 

I have never requested nor received a car loan from Wells Fargo. 
Every vehicle I own, I paid cash for. Wells Fargo has made no attempt to resolve this issue even when I call to speak to them. The one time I did speak to someone " semi helpful '' I requested the calls be stopped. She assured me they would be since she could n't find anything under my name. I do n't even know how they got my father or niece 's, out of state phone numbers in the first place. They keep harassing my family to collect a debt that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.

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 2017-07-24
Company: On-Site Manager, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received my credit/consumer report back from Onsite regarding an apartment that I had applied for. After receiving the report I noticed that their were traffic violations over two years old being reported, not even my tickets, along with a Bankruptcy that did not belong to me. The traffic tickets belong to my XXXX mother as well as the bankruptcies. I did not submit my social security number when I initially applied, so I submitted my identification along with my social security number to get the traffic violations removed along with the bankruptcy. Neither was corrected nor removed from my consumer report after I sent in the information to prove that those items did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/XXXX XXXX I made inquiries on the exchange rate offered at XXXX ATMS and withdrew funds [ only ] from a third ATM while on travel in the country XXXX. On my checking account electronic record, I see instead that all XXXX ATMS recorded the withdrawl of funds. It is clear that only XXXX of these was a legitimate charge as international ATM withdrawls always show the exchange rate used and have a foreign exchange rate adjustment fee associated. The legitimate charge had these ; the XXXX inquiries show a withdrawl of funds but had neither echange rate information nor an exchange rate adjustment fee. I complained to my bank ( Chase ) and they provisionally withdrew those XXXX fraudulent changes, only to reinstitute them weeks later. I spoke to Chase bank and my local Chase bank representative spoke repeatedly to supervisors requesting the withdrawl of those charges, without success. Chase said they look like legitimate charges, and had the audacity to suggest that perhaps all XXXX banks pooled their fees to create the single Foreign Transation Fee recorded - something they are capable of knowing is not the case. It is clear that Chase made a mistake, I have lost funds to fraud, and Chase is unwilling to examine their erroneous judgement. My CHase branch officers are as surpised as I at the attitude of central officers in this case. THe case would be reopened, they said, if I offered more proof but there is no other, and no better, proof than my checking account statement, which they have in hand. Account number XXXX ; Routing number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
TRANSUNION inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - & XXXX XXXX XXXX : XXXX  XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: N26 Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
N26 via XXXX XXXX  in their Account Agreement and Disclosures Effective XX/XX/XXXX on Page 11 of 18 states that Over the Counter Withdrawals are permitted with a max of {$5000.00} per day. However when I tried to do this, the transaction is declined and support is unable to help. I reported this issue back in XX/XX/XXXX but they still have no resolved it. I have contacted them via email multiple time about updates on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MO
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:
Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.

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 2020-01-06
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems placed a collection on my credit reports for a medical bill that I don't recognize. I was never notified by phone or mail about a collection. I disputed the collection, and they put it back on my report. I looked them up and their XXXX rating has been revoked for hundreds of situations similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation