BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My brother legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? on the ADDRESSES section, His address was never XXXX XXXX XXXX XXXX, # XXXX XXXX, MI XXXX, His address was never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. His address was never XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MI XXXX. Can you fix these errors if you can? My brother 's ALIASES name is not XXXX XXXX, XXXX XXXX, XXXX, XXXX, J. 
His alises name is XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX without counting my middle name. 
Can you fix this errors if you can? 

Can you fix delete these errors if you can that I listed?

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 2023-01-14
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper purchased my mortgage from XXXX XXXX and failed to pay/renew my homeowner insurance policy. My insurance was then cancelled for non-payment, even though my insurance is escrowed/included in my mortgage payment. Mr. Cooper even increased my mortgage payment to cover the increase in the homeowners insurance policy based on the escrow analysis conducted in connection with the mortgage purchase. 

My policy expired XXXX  and I just found out XX/XX/XXXX. This left my property uninsured in the interim, which is a risk to not only me, but Mr. Cooper. Mr. Cooper has put a customer service process in place to purposely make it cumbersome and nearly impossible to speak to a live person to rectify the issue they caused. When I finally spoke to a person, she was inept and rude, and failed to keep her promise to call me back or resolve the issue. 

Mr. Cooper via letter and automation is threatening to force place insurance even though they failed to uphold my contract, which includes an escrow for the homeowners insurance. I've done all the leg work and need Mr. Cooper to overnight payment IMMEDIATELY to my insurance company for reinstatement. 

I caution any consumer to not do business with Mr. Cooper. Their internal controls are nonexistent and their customer service is horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Jon Barry and Associates, Inc.
State: TN
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:
I received a letter from Paragon Revenue Group about a debt from XXXX XXXX XXXX XXXX for XXXX. I have never received a bill from XXXX XXXX XXXX XXXX. I sent an email to Paragon on XX/XX/XXXX informing them this was in relation to a workers ' compensation claim and provided the Claims Manager contact information ( XXXX XXXX ). Per the Paragon letter if contacted before XX/XX/XXXX they would stop collection until they sent me information, I owed the debt. I never received anything from them. I received a notice from my credit monitoring on XX/XX/XXXX that Paragon had made a major derogatory mark on my credit report on XX/XX/XXXX. I sent an email to the Claims Manager on XX/XX/XXXX informing her of the Paragon letter and received a notice she was out of the office until after the XXXX XXXX 's holiday. I called Paragon on XX/XX/XXXX and spoke to XXXX and she said to send another email requesting them to remove the mark, and I sent the email that day. On XX/XX/XXXX, I was copied on an email from another Claims Representative XXXX XXXX XXXX XXXX and they had contacted Paragon and explained the responsible payor would be XXXX XXXX. To date ( XX/XX/XXXX ) my credit report still shows the major derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Navient Solutions, LLC.
State: MS
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 had this student loan since XX/XX/XXXX for XXXX, and the other one on XX/XX/XXXX for XXXX. I have paid on this loan for multiple years now. In XXXX, my husband and I filed for a XXXX XXXX Bankruptcy and Navient was included. In that they filed a claim against us for XXXX dollars. This bankruptcy was successfully completed in XXXX of XXXX and Navient received 100 % for the claim they submitted. Shortly after completing this payoff, I received a payment booklet from Navient for them to collect over {$1500.00} combined for the " balance '' of these two loans. No one from Navient could explain to me that after over 20 years and receiving over {$9000.00} dollars from me in a bankruptcy, where this " balance '' was coming from. I spoke with my bankruptcy attorney who told me that it was maybe " interest '' that continued to accrue during the 5 year XXXX XXXX  process. So, as a result, I've attempted to get Navient out of my life for good and try to pay this off. When you call them, the first thing they say is, " I can lower this payment for you ''. I said, no, I'm trying to pay you off completely. That is when I spoke with a Navient representative to set up 10 payments of XXXX} to be deducted from my bank account every month, this would complete the XXXX dollar balance. Later, I called and spoke with Navient thinking this was done. I checked my Navient account and it was set up payments of XXXX dollars to go toward each loan! I never agreed to that. So, then I called back to set up two payments of XXXX  dollars to complete the XXXX  to come from the same bank account. The bank never received that request from Navient. I called several times to Navient and they told me " give it time to process ''. A couple of weeks later, I received an email from Navient telling me that the bank rejected the payment of XXXX  because I put the wrong account or bank number. I've tried several times to pay Navient off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My vehicle was repossessed XX/XX/XXXX and sold at auction on XX/XX/XXXX for XXXX and minus all the fees of XXXX there was a surplus of XXXX owed back to me. XXXX gave me a check in amount of XXXX and stated there was XXXX in other fees the letter I received clearly shows how the math was incorrect and also Im wanting to know if all the fees they indicated were valid. There are multiple times I called to get this takes care of and they were extremely rude and made me cry with the mean things they told me. I asked to hear the recorded calls and they refused. please help me with this matter and company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone obtained my US bank online username and password. I had {$1000.00} in the account I leave in the account to avoid any low balance charges as I used it only for a Real Estate ( Realtor ) business only to make deposits then move money into other accounts. I had not used the account in months and on XX/XX/XXXX someone obtained and used my username and password and withdrew {$920.00} then on XX/XX/XXXX deposited {$3200.00} and immediately withdrew it, the on XX/XX/XXXX withdrew {$1600.00} and {$1600.00}. I have never made those kind of deposits since I opened the account nor do I withdraw money in that account until the Realtor commission checks have cleared. I have always deposited large commission Realtor checks then moved that money to other accounts leaving {$1000.00} in the account. US bank has denied my fraud claim saying I am liable.

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 2023-01-14
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I received correspondence in my online account dated XX/XX/XXXX ( see Attachment 1 ) indicating that I only had made XXXX XXXX qualifying payments for loan sequences XXXX and XXXX. On or around XX/XX/XXXX, I received correspondence from XXXX XXXX ( see Attachment XXXX ) indicating that I had XXXX PSLF qualifying payments each for both loan sequences XXXX and XXXX. MOHELA 's letter received on XX/XX/XXXX implied that I had a lower PSLF qualifying payment count than I had previously with XXXX XXXX even despite the fact that I submitted an updated PSLF application/Employer Certification Form to MOHELA in XX/XX/XXXX. As I believed MOHELA 's letter to be inaccurate, I called MOHELA on XX/XX/XXXX to express concern, especially as I thought I had received the correspondence because I had ( wrongly ) assumed that MOHELA had finished updating my PSLF qualifying payments based on my XXXX PSLF application. On XX/XX/XXXX at approx. XXXX XXXX and after a wait on the line and spending an unacceptable XXXX minutes navigating phone trees to figure out how to reach a live agent for assistance, I spoke to MOHELA agent XXXX XXXX While speaking with XXXX, he shared concern with me that MOHELA sent correspondence indicating that MOHELA had a lower PSLF qualifying payment count than XXXX XXXX. Eventually XXXX was able to do further research and determined that the correspondence was sent in error, likely due to an IT issue. He determined that MOHELA 's system indicates that my correct PSLF qualifying payment count for loan sequences XXXX and XXXX is XXXX for each and that the information was correct in my online account PSLF tracker ( see attachment XXXX, which while from XX/XX/XXXX appears to match the same information I reviewed on XX/XX/XXXX for loan sequences XXXX and XXXX while on the phone with XXXX XXXX. XXXX also confirmed that MOHELA received my PSLF application from XXXX and that it had not been reviewed yet, thus MOHELA 's payment count only reflects the data they received from XXXX and not the information from my XXXX PSLF application yet. At the same time however, I am extremely concerned why MOHELA would send correspondence similar to what is sent after a PSLF application has been approved and I would receive a letter contradictory to information showing in my online account. As such, while I find the service provided by XXXX to have been exceptional, I am seriously concerned that I received bad loan information due to IT errors and am not 100 % sure my issue was fully addressed. I find IT errors sending inaccurate student loan payment information to be extremely concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....

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 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the XXXX XXXX XXXX. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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:
To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with XXXX and Experian. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get Experian and XXXX to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Consumer Adjustment Company Incorporated
State: KY
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:
This debt does not belong to me and is a result of identity theft. I do not know who this company is. This company is reporting on my credit report. I have submitted an identity theft report and they still have not removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TX
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  XXXX XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas 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 a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
synchrony bank denied my application stating they were unable to verify my Identity, I applied for this card in person at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, I provided them with a copy of my ID and they verified it was me. synchrony also sent me a letter in the mail asking me to complete form XXXX which i did. 

synchrony Bank claims they check credit reporting agency XXXX and the data was inaccurate but that's a lie. I request a copy of my credit report and every information i provided was accurate. I will attach a copy of my credit report and also the letter synchrony bank sent me in the mail.

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 2023-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened this account a few months ago and have been using the account perfectly fine. Its a new year and I decided to try to manage my money better and opened XXXX XXXX  accounts. XXXX for my daughter and XXXX for myself. As well as I opened a checking account to transfer money for bills. A day or XXXX later I tried to access my online account and it said my account was locked due to suspicious activity and I called to unlock it. I was told that chase restricted all of my accounts and that they decided to discontinue the relationship with me as a client. I am still trying to figure out what suspicious activity there was that my account was locked. This is the second time this is being done to me and I am being left without a bank account and no access to my funds. I have a XXXX XXXX  XXXX  child and now I have no funds to support her until My next pay.

Company response to consumer: Closed with explanation