BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper is acting in bad faith regarding a real estate transaction At issue is a short sale request that was submitted an approved on my home. During the buyer 's process of buying the home there were several unknown factors that came out during the inspection. As part of any contract it is standard to deducted for materially defective functionality of the home. As evidenced by the attached there is significant issues such as the roof which could not have been known unless somebody went on top of the home. The buyer is seeking a very reasonable reduction ESPECIALLY considering we are in a PANDEMIC and people aren't buying homes right now. Instead of Mr. Cooper doing what they are LEGALLY required to do and reduce the asking price they are trying to have the buyer pay more for the home than what it is now worth. This is RIDICULOUS as the property values will be CRASHING DOWN shortly with XXXX XXXX new unemployment filings. Mr. Cooper needs to be led to reality at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, 2021 ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COLLECTION XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, 2021 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to TransUnion, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA 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 2020-04-03
Company: EQUIFAX, INC.
State: NY
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 looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: First Credit Services Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Wilber and Associates, P.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.

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 2020-04-03
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have 3 Investigations that Equifax has been looking into and still haven't posted the results. their status is pending and the results according to their site i should have received by now. most of the time this is the case when i put in a credit report dispute with them. i have uploaded the document of the screenshot i see when i login

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from Bank of America, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that Bank of America is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: AL
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 disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting eve ry 2 to 3 mon ths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 2022-04-14
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
These companies are not authorized by me to run the credit. do not authorize these inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: MD
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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.

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 2015-10-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an offer for American Express XXXX card that stipulated certain terms. If I spend XXXX in 3 months I get XXXX bonus points. And if I spend an additional XXXX dollars I get an additional XXXX bonus points. I signed up with the code they provided. I got approved and received mail and a phone call confirming these terms. I spend the required XXXX dollars in the XXXX 3 months and did not receive the points. I was charged the XXXX annual fee in the XXXX month. I called to understand why they did not apply the bonus points and they stated that the offer was not linked to the account. I gave them the code and asked what other information they needed. They opened an investigation and first they said it would take one week then a month and then 6-8 weeks. It is now 2 months and they said they are not ruling in my favor. I asked why, and specifically requested to pull the phone call in which they read the specific terms but no they have not acknowledged that request. I am not sure why the code is not linked properly but regardless, how are they allowed to send material and confirm a credit card on a phone call and not be held to their own terms and agreements. I have asked for the points or my money back for the fee and they said there is nothing they can do. 
Can you please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-12
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a phone call from a company called XXXX XXXX on XX/XX/XXXX. They stated that due to " bounced checks '' my loan from Availblue which is an XXXX XXXX loan which may be illegal. was getting ready to be sent to the courthouse here in my area for suit. I had sent a letter to Availblue revoking their right to use ACH payments but they still continued to try and take the payments. I called Availblue today XX/XX/XXXX and spoke to someone in Customer Service who said they had received my Revocation Notice but that the account had been turned over to a different collection agency than the one that called me yesterday. 

I never received any notification in the mail from XXXX or the Collection Agency until I received the phone call yesterday. 

I would like to know what my rights are in this case. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.

Company response to consumer: Closed with non-monetary relief