BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice on my mortgage which is the basis of this complaint. 

On XX/XX/XXXX I went to increase my principal payments against my mortgage. This led for some reason Mr. Cooper DBA Nationstart to double withdraw the amount of {$1500.00} which they then reversed a payment for one of the charges. 

On XX/XX/XXXX Mr. Cooper DBA Nationstar once again changed {$1300.00} Plus and additional principle payment of {$250.00}. And once again they reversed the payment. 

None of this I was aware of as I'm on autopay and this money comes out from a savings account that I fund annually to pay my mortgage. 

I then received communication at the end of XXXX that my account was past due. I called customer service, and the agent explained there was some mistake with the autopay. Infact, also noticed that my account information was not mine. IE the direct deposit information was changed without my consent or knowledge, and it was someone else 's bank information. I have no idea how this happened and the customer agent did not either. 

I then immediately made two payments of {$1300.00} on XX/XX/XXXX and Mr. Cooper DBA/Nationstar agreed to refund all late fees and apply any additional interest charged to my principle. 

Then on XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice. This dropped my credit score from XXXX to XXXX. In my entire adult life my credit score has never been this low. I have spent my entire life building this credit score. Now this company can ruin it overnight because of their own ineptitude and lack of oversight? 

I have reached out but have not yet heard back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Commonwealth via letter on XXXX XXXX asking them to validate the reason this was entered on my credit report without contacting me and providing information validating that the debt belongs to me. They sent a statement from XXXX with my name for a patient name of XXXX XXXX, which isn't me and who I am not a personal guarantor for. I then reached out to them via phone on XX/XX/XXXX and told them they have illegally placed this on my credit report in which has caused me to be denied credit. I would like this removed from my credit report and mailed to me an updated credit report and a check for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo wrote to me asking for proof of insurance coverage. I uploaded this information to their website : [ 1 ] XXXX website confirmation dated XXXX [ 2 ] XXXX XXXX XXXX XXXX XXXX with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo asking for proof of coverage between XXXX and XXXX. I uploaded this information to their website : [ 3 ] XXXX website confirmation dated XXXX [ 4 ] XXXX  dec page pdf, with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo, again asking for proof of coverage between XXXX and XXXX. This time, I called the number on the letter [ 5 ] XXXX phone call log from XXXX, where I called Wells Fargos Hazard Insurance Processing Center. I pointed the representative to the documentation that I had already uploaded that satisfied the requests. The representative agreed with me, said that they would update their system, and told me that no further action was required on my part & that I would not be charged. 

However, I received another letter from Wells Fargo saying that I was charged {$100.00}. 
[ 6 ] XXXX  letter from Wells Fargo indicating a {$100.00} charge for a lapse in coverage between XXXX and XXXX. 

I replied to all communications in a timely manner and provided satisfactory documentation, even getting confirmation from the Wells Fargo representative. I believe that this charge is unjustified, and should be refunded in full.

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 monetary relief
Consumer complaint received 2023-04-30
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request validation of the debt that you are reporting on my credit report. I have not received a validation letter from you, and as a result, I am disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with validation of any debt being collected. This validation should include the name of the original creditor, the amount owed, and any other relevant information. 

Since I have not received a validation letter from you, I am requesting that you provide me with the necessary information to validate this debt as soon as possible. If you are unable to provide me with proof of the debt, I am requesting that you remove this item from my credit report. 

I would also like to remind you that, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. If you are unable to validate this debt, it should not be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My chapter XXXX Bankruptcy had account # XXXX in it and Wells Fargo coded it as such. It was discharged XX/XX/XXXX and stayed on my credit report for 7 years ( until XX/XX/XXXX ). 
I have proven the short Sale was a Conflict of Interest. 
So what am I waiting on. With Wells Fargo and XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On or bout XX/XX/23 I sent XXXX, Equifax, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date Equifax has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date Equifax has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Harris & Harris, Ltd.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harris & Harris , LTD is demanding {$56.00} from me while harassing me via phone. Harris & Harris , LTD are aware this alleged debt was paid to the original creditor responsible for medical services received. 

Attached proof of payment will prove Harris & Harris , LTD are harassing me for {$56.00} with no contractual agreements to supports goods or services exchanged. 

XXXX XXXX left two voice mails on XX/XX/2023 and XX/XX/2023 on my private line. Harris & Harris , LTD does not have a permissible purpose to contact me. 

Harris & Harris Ltd received a notice on XX/XX/2023 to validate the alleged debt in question. 
XXXX XXXX and XXXX XXXX authorized representatives of Harris & Harris Ltd left several voicemail messages after USPS confirmed mail receipt. On a previous recorded call I requested Harris & Harris Ltd to cease and desist. The representative confirmed receipt of the validation notice and she was kindly asked to cease and desist. Harris & Harris Ltd are still calling.

Harris & Harris , LTD are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not received any goods or services from Harris & Harris , LTD and I do not know how Harris & Harris , LTD received my private medical information. Please be advised no consent to treat documents bare the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

Harris & Harris , LTD ignored the Validation request and continues to harass me by phone. Harris & Harris , LTD are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Harris & Harris , LTD. , on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the expense of my private medical information being on display to whomever. 

Harris & Harris , LTD proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their HIPPA rights in the process. I am being harassed for an alleged debt having nothing to do with Harris & Harris , LTD I am not a party to any agreements that Harris & Harris , LTD may or may not have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not responsible for Harris & Harris , LTD purchase / transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Harris & Harris , LTD . 

At this time, I demand no further contact from any associate or authorized representative of Harris & Harris , LTD . 

All calls are recorded for my safety. Kindly Cease and Desist. 
I have included all proof in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn XXXX : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, TransUnion, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

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  {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Description X 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 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 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.

Chapters

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MS
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:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought a XXXX XXXX in XXXX of 2022 from XXXX of XXXX. I got financing through Ally Financial. I got behind on payments after I XXXX XXXX XXXX last summer. The front end of the car was relaced. Insurance paid for the repairs. But I lost out on work and it snowballed. I called ally financial to ask for a hardship help when I first got behind. I was told they don't offer any hardship help. I had made arrangements to pay what I could to keep from Repossession. When I went to pay I realized they locked me out of my ability to pay through my bank. I have had no problem paying through my bank before, it's a good standing account. I called Ally financial and they " moved '' my account and said I had to pay through XXXX XXXX or XXXX XXXX to a separate ally financial account that's not attached to me in any way. I requested they restore my ability to pay through my bank because I can not use XXXX XXXX  or XXXX XXXX I offered to make arrangements to surrender the car and I was told I can not and to wait for Repossession. They repossessed the car on XX/XX/XXXX at XXXX XXXX. The repo agents did not have any paperwork for me either. I don't think I was treated fairly in this matter. I was barred from being able to pay through my banking institution, and was told I couldn't surrender the vehicle. Nowhere in my contract does it state they can change the way I pay my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Kikoff Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite several attempts to have this late payment removed, it still remains on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home.

I want to point out that I canceled my services with your company before any further damage could be done to my credit score, and I have made several attempts to have the late payment removed from my credit report directly with your company. However, my requests have gone unanswered and the late payment remains on my credit report. 

I would appreciate your immediate attention to this matter and request that the late payment be removed from my credit report as soon as possible. I am eager to move forward with my plans to purchase a home and rebuild my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card and approved on XXXX XX/XX/XXXX. At the time of application the card was offering 2 XXXX tier-qualifying night credit for each eligible night stayed from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX for applying and getting approved for the credit card by XXXX octber XXXX. Between XXXX XX/XX/XXXX and XX/XX/XXXX I stayed 14 eligible nights with XXXX and never recieved any double tier qualifying nights. I reached out the chase about the issue in late XXXX and was told that I will recieve my tier nights will on my next statment closed date in XXXX. After I did not recieve my tier qualifying nights I reach out again and was told " Qualifying tier nights can only be earned on nights stayed and paid with the credit card '' this language was not found anywhere in application or in the promotional details, only requirement stated was that I open and get approved for the account by XXXX XX/XX/XXXX. I requested chase send me proof of that the language was in the application but never recieved anything. I reached out to chase again again on XXXX XXXX as the reason for rejecting my promotional benefits was incorrect and was told " The offer you are inquiring is only for accounts open XX/XX/XXXX XX/XX/XXXX and can not be manually applied. '' which was also incorrect as the promotional offer ran from XX/XX/XXXX to XX/XX/XXXX. I reached out the XXXX providing chase the promotional details of the offer showing it ran from until XXXX XX/XX/XXXX and was told that " those terms where incorrect and is from a XXXX offer '' which is also incorrect as the credit card was announced on XX/XX/XXXX. On XXXX XXXX I reached out to chase to inform them of the mistake and was told they will no longer be responding to this inquiry. 

As part of my sign up promotion there was a also a XXXX bonus point after completing $ XXXX in purchases in 3 months. I recieved that portion of the offer and im not inquiry about that portion of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
t has been more than 60 days since my original request and it is illegal for this to happen. I sent certified mail with return receipt and first class mail. I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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