BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: KY
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: Problem with personal statement of dispute

Complaint:
Citi has violated both the Equal Credit Opportunity Act ( ECOA ) for failing to provide required credit denial information, and has violated the Fair Credit and Reporting Act ( FCRA ) for a failed reasonable investigation and identity theft credit inquiry removal. I am the victim of identity theft, and a fraudster attempted applications with multiple financial institutions on XX/XX/2023. These applications were luckily declined, with other financial institutions confirming the applications triggered their fraud alert systems as identity theft while routing from XXXX XXXX, IL. However, Citi continues to refuse removing their hard inquiry from my credit report in violation of the FCRA. I have requested Citi to confirm why the application was declined but they have failed per ECOA 1002.9. The denial information should inform Citi this was a fraudulent application. 

I have submitted all required information for this matter to be resolved in alignment with all federal regulations, but Citi has failed.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/XXXX approximately XX/XX/XXXX I received several calls from a Wells Fargo number XXXX. It's the same number on the back of my debit card. The imposter wanted me to verify several charges that morning with my debit card. I did not make any charges that morning. He stated two charges in XXXX, Florida, one at a XXXX for about {$240.00} and one at an XXXX store for about {$1000.00}. I said no. While I was on the phone he said our account was also being flagged for a XX/XX/XXXXtransfer for {$500.00} to someone named XXXX XXXX. I said no that was not me. In addition he said someone transferred {$1700.00} from my checking account to my savings account. I was very concerned because this showed they had access to my online banking. He asked if my husband might have made the transfer. I said no. He said he would have to close the account and give me a new account to transfer my funds into. He said it would take about 2 minutes and put me on hold. It all sounded very professional and I was looking at my account and it looked like there was a transfer made without my knowledge of {$1700.00} into my savings account. So I was glad I thought the fraud department caught it before it got out of hand. Then he came back on the phone and said he had to lock my phone? Asked what phone company I use and I told himXX/XX/XXXX. I was in a panic now so was going a long with it. Then he asked me to send my online pw : and then text it back to him with a space and " cancel ''. I did this unfortunately. Then he sent me a " new account '' and asked me to do a wire transfer of the balance. He said this is the quickest way to protect my funds. I was concerned and asked if I could verify that he was actually Wells Fargo. He gave me his name and employee number but I should have hung up and called back. I carried on and approved the wire transfer. He then said it would take about 24 hours but usually takes less than that. I hung up. 
Feeling uncomfortable I told my husband what happened. He soon started getting calls from " Wells Fargo '' and they were trying to confirm with him some charges on his debit card. The person seemed to have access to our online banking and our last four digits of our debit card. He said the phone " dropped '' or ended. So he decided to go in to a branch and they confirmed that it was all a hoax and the wire was still pending so they were able to cancel it. 
I'm just writing because the whole ordeal felt like someone from within Wells Fargo was commiting this fraud. They had all the language and ability to get in to our account 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 2023-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 Convergent Account # ( LISTED BELOW ), 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 a account without my written instructions. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXXXXXX 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 2023-10-12
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting 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 this creditor has violated my rights under 15-USC 1681 sec 602 States I have the rights to privacy.

15-USC 1681 sec 604-A section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

15-USC 1666B A creditor may not treat a payment on credit card Account under and open an consumer plan late for any reasons. 


accounts both are from Comenity bank and both accounts are at XXXX balance. 

Victoria Secret/comenity Bank reprorted late payment for XX/XX/XXXX on XX/XX/XXXX and I've paid account in full, they reported me to credit bureaus, without my permission. I've called the XXXX spoke to a representative which she guided me to Comenity credit bureau which I sent out for a dispute, where they say nothing is guarantee. 

XXXX XXXX/Comenity Bank reported my account late on XX/XX/XXXX as well to XXXX, XXXX, XXXX without my consent as well. no update on account as well account still shows as late payment. 

These items are affecting my credit score, which makes it hard for me to purchase a home. 


thanks for taking the time to review my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, Inquired on XX/XX/XXXX SHIFT XXXX, Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXX XXXX  XXXX, Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I'm getting emails still from Amex telling me my account is closed etc etc. 

They are NOT supposed to be contacting me and sending me anything yet their email states they will.I I don't live at the address you are sending it to so good luck with that... 

2. Cease with the emails XXXX number XXXX. 

Every other card knew to leave me alone and close out the accounts. 

All you do is e-mail. 

Stop communication! At this point the lawyer is going to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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, 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 a account without my written instructions. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX  XXXX, XXXX, MD, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2023-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit cash into my Wells Fargo debit card through a XXXX XXXX XXXX XXXX ATM on XX/XX/2023 around approximately XXXX or XXXX XXXX, not knowing that I was only supposed to use Wells Fargo ATMs. The ATM took my cash and didn't give it back, so I immediately called Wells Fargo and filed a dispute. The amount I attempted to deposit was {$820.00}. The address of the ATM is XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Wells Fargo closed my dispute and claimed that there was no transaction/deposit at all. They said that they contacted XXXX XXXX XXXX XXXX and couldn't find any transaction, however if they did, they would find that I did actually try to deposit the {$820.00} that day. I did not even receive a resolution stating a reason for why my claim was denied, I had to call them and ask.

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 2023-08-14
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA, this creditor has violated my rights. Under 15 USC 1681 sec 602 and the Privacy Act of 1974, states I have a right to privacy. 15 USC 1681 sec 604a ( 2 ), it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXXXX/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 2018-08-30
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER NATIONSTAR XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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, 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from obtaining a reasonable car payment and purchasing a home for my family.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2018-08-28
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX18 @ XXXX, pre foreclosure actions were taken after speaking with Loss Mitigation Specialist, XXXX . 
Also, In XX/XX/2018, a cheque in the amount of {$1000.00} was mailed to me. The letter stated that I requested or someone requested on my behalf made the request for the amount of {$1000.00}. I did not make a request for this to be returned to me. Mr. Cooper personnel ( s ) made the decision to return cheque of {$1000.00}, placing me in preforclosure. 
In XX/XX/2018, a wire transfer of $ 5,000+ was made to Mr. Cooper XXXX My mortgage account was made current with this wire transfer and I resumed monthly mortgage payments. 

On XX/XX/XXXX2018, I called Mr. Cooper. I spoke with XXXX and I requested to make a partial payment of {$350.00}. I told XXXX that I would call the following week to pay the balance due. XXXX stated that this would be placed in system as unapplied fund. Confirmation # for this transaction:XXXX. 
On XX/XX/XXXX18, I called Mr. Cooper. I spoke with XXXX. I made payment of {$350.00}. I informed her that the balance of {$8.00} to be applied to the principal as the balance for the mortgage payment was {$340.00}. XXXX verbalized understanding. Confirmation # for this transaction : XXXX. 
Today, I received mortgage loan statement date XX/XX/XXXX2018. I noted that {$8.00} was applied as legal fees and adj-forbearance suspense. This is incorrect as the total monthly payment was made during the Grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SAN DIEGO COUNTY CREDIT UNION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
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. 

Account opened without my consent, I had my information taken off the dark web and have been battling issues with trying to repair my information and credit. Please help with getting this account removed from all 3 credit bureaus XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation