BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: MIDFIRST BANK
State: NC
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2019-12-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Home is upside down on the mortgage. We have the house on a short sale since XXXX  of XXXX. We engaged energetic Real Estate agent who during that period presented Mortgage processor- Mr.Cooper- with three offers that were close to the BPO range. Each offer was turned down by lender and Mr. Cooper. The last offer which fell through in XX/XX/XXXX was for $ XXXX. To this offer Mr. Cooper counter offered at $ XXXX. The buyer felt the price was too high for the shape of the property and walked away from negotiation as did the first two buyers. We currently have a new offer in negotiation with Mr. Cooper. This latest offer is for $ XXXX, which meets Mr. Cooper's/Lender previous counteroffer on the nose. Yet, Mr. Cooper has once again changed the goal posts and is now requesting $ XXXX as a counter offer. Message of this counter offer signed today by MR. XXXX XXXX It appears to us that Mr. Cooper/Lender is not negotiating in good faith. Mr. Cooper appears to want to extend the loan servicing in order to garner additional default fees. Or, it may be forcing foreclosure by exhausting our energies. This may be the last opportunity to sell this home. 

Several stories on the internet indicate that Mr. Cooper - predecessor Nationstar - plays games with short sales. Please help them adhere to good practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX 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 an account without my written instructions.

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 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am Trying to purchase insurance however the reporting agency lexisnexis, listed me as at fault for 2 accidents that was the other drivers fault. It is quite implicit in the police reports that Im not at fault. This error is costly about 250 $ difference a month in cost. And cost me my job I was let go from work due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA violated my rights pursuant to the Fair Debt Collection Practice Act. This violation is of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. EOS CCA is in clear violation and I belief EOS CCA does not own this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Plato, LLC
State: DE
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:
XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX SIMPLIO LABS , INC . 
XXXX : XXXX. XXXXXXXX XXXX  SIMPLIO LABS , INC . 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is really problems, 1st is they stated they wouldn't charge me more than 1 fee per day with my overdraft on my business account which they do, sometimes they charge me before the account even goes into over draft.

I've had issues with SunTrust before, Now even though I setup a overdraft for my account, they say it is the same account as my business credit card account which it is not and has a completely different account number and balance, as well as balance available. I had to write a check for supplies for a current job and looking online I see my overdraft account states XXXX balance {$5000.00} available, But the are returning the check, therefore messing up my relationship with this supplier and telling me it is based on my balance on my business credit cart which states {$74.00} available with a completely diff account number, I occasionally reach someone at SunTrust that knows what's going on and what to do. but as of lately no luck. Is there anything that can be done to make them abide by what I was told that it is a separate account with it's own available balance. If it were not, I'd have no use for it because I could just charge what ever amount from the business credit card to my account and not ever pay a over draft free. + their new 3 % cash transfer fee they started to charge me along with a {$38.00} overdraft fee. Not sure what has happened to SunTrust but they have become a group a lying fee hungry bankers!

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 2022-01-21
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2018-12-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
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 have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. 
The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different  erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries

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 2020-10-06
Company: Financial Freedom Group, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
No date, no company name just a number to call to settle an outstanding debt I do not owe. No reference to which company I owe the so call debt to. It seems like they grouped the big credit card companies and came up with an amount they think I owe. Then stated if I don't call I will accrue monthly interest on my unsecured credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Social Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Received offer from " So-Fi '' about Welcome Bonus opportunity in the amount of {$590.00} if I apply for personal loan and get approved. 
Deadline to apply for personal loan was XX/XX/2022. 
I applied for loan on XX/XX/2022. 
My loan was approved and I signed it on XX/XX/2022. 
So-fi claims that I can not receive my bonus because I was approved after XX/XX/2022 which they said it was a deadline to be approved and funded.It was holiday weekend. 
Terms and conditions by Sofi were misleading for customers. 
My credit score dropped about XXXX points doing a personal loan application. 
This is not fair business practice at all. 
I read comments from other So-Fi customers online who signed and funded their personal loan application on XX/XX/2022 and still received their Welcome Bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: VW Credit
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees

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 2022-01-21
Company: EQUIFAX, INC.
State: DE
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 have fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my account with cash in full at Cashmax on Wednesday X/XX/2017 I was referred by the branch manager and assistant manager that they could not release the lien on the title until after 10 days they have to email corporate office and corporate office in XXXX, Texas has to mail them the title and then I am able to pick up the title. I went back for an unsecured payday loan and they still have not released my lien on the title I need to know when I can get my title back that was paid off and why I am being told I am not able to release the lien on the vehicle if I am paying off in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Fay Servicing, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the  investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX XXXX service member and my house was damaged during XXXX XXXX. I have been working a Modification with PHH since XXXX and after a denial, an approved appeal I sent in the notorized modification and because of an " notary error '' they could not approve the modification and had notorized it again and again they said there was an error. I called and they said it was because my middle initial was included on the notary page, when on the paperwork it did not show my middle initial. So for a third time I had it notorized without my middle initial. Well this was all going on I have been trying to sell the property. I got an offer for {$88000.00} and ordered a payoff and the payoff did not include the {$45000.00} the mortgage company is holding for repairs from the hurricane. Since I owe {$120000.00} and the I need the insurance proceeds to be included on the payoff so the title agency knows how much to transmit at closing. After hours and days on the phone I sent PHH an error notification and filed a CFPB complaint. Now on the same day I filed that complaint, they sent me a letter stating I decided not to accept the modification. This is not true. I accepted the modification 3 times and never stated I do not want the modification. I have just been attempting to get an accurate payoff. I submitted the payment for the modification and today after calling they tell me the modification was canceled and they rejected my payment. I still have not been given an accurate payoff so I can't sell and now they took away my modification. I never requested a short sale or cancellation of my modification. I only requested an accurate payoff with the insurance proceeds that PHH is holding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: NY
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:
XXXX-XXXX cancelled my cable service without my consent and then when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized. 1st, I should not have had to reopen an account that was in good standing due to XXXX 's error. 2nd, I never authorized a hard credit inquire. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances within their company not perform a hard inquiry on my credit report on a service that should have never been canceled in the first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am dealing with a XXXX. diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.

Company response to consumer: Closed with non-monetary relief