BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
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:
Account XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 2. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX 3. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!

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 2023-10-13
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
This started back in XXXX, I ask why I'm still paying for their ins., I got my own ins. and the said that it has to do with escrow and I showed the ins. amount and I have my own ins., I was told to wait and the was going to check and get back with me, and they never did., I called them and ask about the modification, I was told they were still working on it. well, my payment was getting late and wanted to pay something on and, I was told, no they were still working on it. I waited, no anwser, I got a letter in saying they need more information, Ok, I did. Then I was told that they could not help me, because, I was not making enough money, Then now I was 2 months behind and tried to send them, {$400.00}, and the took it, but I was having trouble with the bank, and payment came back. Now I'm getting letters on foreclosure and i'm trying to get a loan to pay, and again I tried to give them {$400.00} and they refused partial payment, I was told they do not except partial payment. Right now I'm trying to come up with something. I feel they are doing this purposely, they want my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I called Experian and XXXX to report a fraudulent account open on my credit report. I submitted the submitted a FTC complained number that I have submitted to FTC to both credit bureaus Experian and XXXX. 
On XXXX XXXX Experian completed my dispute stating that it was not valid. So it took them 3 days to investigate. 
On XXXX XXXX, I received a response from XXXX, with the same information as Experian. The account that I have not open and that I have call XXXX XXXX that was not mine still on my credit file. I have a fraud alert on my credit and XXXX and 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 2023-10-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to bring to your attention a pressing issue I have been facing regarding my credit report. I am a XXXX female who is diligently working on improving my creditworthiness. However, I am encountering significant hindrances due to inaccurately reported accounts that continue to have detrimental effects on my creditworthiness, consequently impeding my ability to secure loans or consider purchasing a home. 

I have meticulously maintained documentation demonstrating that these accounts have been paid in full, and they are over two years old. It is perplexing and distressing that they persistently remain on my credit report. Additionally, I have been incessantly receiving correspondence from various law firms regarding potential lawsuits, urging me to engage their services. This continuous barrage of legal notices adds further distress to an already burdensome situation. 

One particularly troublesome account pertains to XXXX. As of today, they persist in reporting that I owe them over {$1100.00}, despite the fact that this account was settled and paid in full. My attempts to engage with XXXX and seek resolution have been met with resistance and uncooperative behavior. Furthermore, every attempt to communicate with the current entity responsible for this debt, in order to rectify the situation, has been met with a lack of progress and cooperation. I never had two XXXX accounts. 

I implore your assistance in addressing this matter, as it is adversely affecting my financial stability and future prospects. I am committed to working towards a resolution and appreciate any guidance or intervention the Consumer Financial Protection Bureau can provide. 

Thank you for your attention to this pressing matter. I eagerly anticipate a swift and favorable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I was shopping for a HELOC and I was contacted by XXXX XXXX from Rocket Mortgage NMLS # XXXX. I was very specific with what I was looking for and asked what the minimum credit sore was for a HELOC and told him what my score was and that I do not want them to run my credit if my score did not fit their program. He lied and tried telling me about a different program and still ran my credit even after I asked what the minimum score was and told him my score. 

He was very deceptive and does not listen to the consumer, ran my credit without permission because he lied to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX  and on XX/XX/, I called Lake Michigan Credit Union to inquire about why they were charging me for overdraft fees when I left enough money in my account to make my payments. And I also told them per 12 C.F.R. that a customer can opt out of overdraft fees. I did opt out on XX/XX/. LMCU still charged me {$30.00} on XX/XX/XXXX  and {$30.00} again on XX/XX/XXXX  after I opted out of overdraft. In addition, my payment to XXXX was already processed and validated as gone through on XX/XX/XXXX   in the amount of {$35.00}. Therefore, I had to pay that {$35.00} once again because LMCU sent the overdraft on XX/XX/XXXX  as my payment not going through. I can verify I made this payment a second time through my XXXX XXXX  account. Charging for overdraft fees when a customer has opted out is illegal and fraudulent.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX, account number : XXXX ; Has violated my rights 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, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

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 2017-11-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of service transfer from XXXX in XXXX stating my mortgage was transferring to Mr . Cooper. ( FKA Nationstar ). On XXXX XXXX, XXXX I received an overnight letter from XXXX explaining that my loan was removed from the transfer and i would be remaining at XXXX. I have an ACH set up on this account, and it drafted my monthly payment as expected on the XXXX. I received an email from Mr Cooper on XXXX/XXXX/XXXX stating that my loan was now being serviced by them and that my ACH would automatically transfer to them and they would remove my payment from my bank account. I called Mr Cooper to confirm who was servicing my loan and make sure two payments would not withdrawal from my account. The associate stated she could not help me because all of my information had not been received into their systems yet, but she confirmed that they do service my loan and she was not sure why XXXX sent me the retraction letter. I asked her to escalate this as i had serious concerns - 1 with their ability to auto withdrawal from my account without my express written consent, and 2 that i needed to ensure my loan was only with one company. She said since my loan was still being set up there was no one that could help me. she then proceeded to explain that Mr Cooper is in the process of boarding XXXX loans and they are getting a lot of calls so they could n't help me for another 6 days. I asked again if there was really no one that i could escalate too as this may be affecting more customers than me. She said they 've received several complaint calls about paid in full customers that should n't transfer, but not about my situation. I again asked who i should call, I suggested XXXX and she agreed I should call them. I did call XXXX tonight and spoke with XXXX, who was extremely helpful, confirmed my account was supposed to stay with citi and the retraction letter was legit. He attempted to conference Mr. Cooper in on the line with me to get the issue resolved, but the IVR stated they closed at XXXX CST today. It was a few minutes BEFORE XXXX CST when the call attempt was made. What kind of customer service is this? I work, i do n't have time during the day to call and resolve the inadequacies of a mortgage servicer like Mr Cooper. I will now need to call tomorrow and hope I can get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Block, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made purchase online through Cash app. Seller Responded with international Tracking number. When asked for XXXX number seller assured item is on the way. Seller then Changed name on Internet advertisement. When email seller didn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Byrider Franchising, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CNAC FL XXXX is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. Also theres an inconsistent payment history reporting for this account Ive attached a screenshot. Payment history must be verifiable and accurate each month on an account. There is ND ( no data ) reporting for months XXXX, XXXX, XXXX of XXXX XX/XX/XXXX. This is inconsistent and hasnt been properly verified. How is it that this account was charged off, sold yet I have no 1099 form? Its against the FCRA to report inconsistent payment history of an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making my payments on time every month to Edfinancial. Whenever I submit the payment, it sends me a payment confirmation and also takes it out of my bank account. Each time I pay, the next day it tells me I have a late fee of the same amount as my loan payment initially was and takes money out of my account AGAIN. I donr understand what's going on, they are impossible to get ahold of. The last time I got ahold of them, I was on hold for 4+ hours ... .and they told me I failed to select each loan ( but I know for a fact they were all selected ). Please, I am looking for answers. I am tired of getting money taken away from me when I am being responsible and making my payments on time.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chime account closed XX/XX/23 I was told I should receive a closer check within 30 days I been emailing chime since last month they sent me multiple fake emails saying I should receive it with XXXX business days I still havent received any information I also have documentation regarding the closure check and all the false emails Ive received XXXX chime since then

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Upstart Holdings, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments.

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Company: Jon Barry and Associates, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First received a phone call from Paragon Collections demanding bank routing numbers to pay a debt. When I told the man calling that I needed to have written verification he said it would be mailed. Received nothing in the mail. Many weeks later I received a text message to call. When I called I again said I needed written verification. I was told it would be mailed right away. It's been several months and still nothing in the mail. It is now showing up on my credit report as debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} 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