BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicing transfer from XXXX XXXX XXXX to Mr. Cooper ( Nationstar ) on XX/XX/XXXX won me a payment increase of 9 %. 
I completed a loan modification with XXXX XXXX XXXX on XX/XX/XXXX that includes impounds for taxes and insurance. At that time my escrow was analyzed and monthly payments for property taxes and hazard insurance were properly calculated. 
Mr. Cooper decided to increase my payment to add 2 months of 'cushion ' and when I called them to ask about my property tax and hazard insurance payments year over year, they told me my property taxes were the same and my hazard insurance decreased. 

Why should I be harmed by a servicing transfer that I have no control over and a new company that wants 2x, 3x, 4x or whatever they choose to ask for 'cushions? ' I know that the CFPB is considering allowing consumers ( borrowers ) to be able to choose which company they want to service their loan. Cases like mine illustrate why that is a phenomenally good idea. Mr. Cooper wants fat escrow balances so that they can get large interest income in a rising rate environment. I'm sure they look for this as part of their servicing acquisition modeling and strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Transform Credit Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have contacted the credit bureaus and sent police report this company refuse to delete this from my report. Also in the fair credit reporting act 602 A and 604A they are violating my rights. this account was opened in 2018 they are still reporting it as open in order to reduce my credit score every month while i try to have this account removed. and account is suppose to report closed after 180 days. this company refuses to comply with anything in a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: CA
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:
In Accordance with the Fair Credit Act, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: VA
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:
Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have paid off promotions on my lowes account. I have faithfully paid my bill everyone on time. Each payment was {$100.00} per month. Except for one payment of {$30.00} which I was told that was the only amount due to pay off that promotion. Every payment after that went towards the remaining balance on the only balance left on a promotion. I was told that was the only one I had left. Each month I called to confirm that {$100.00} was going towards that balance. Each month they confirm it was and that would take more time to reflect on the balance statement. However that amount kept going up instead of down. Somewhere in the mix my money was going towards balances I was told were paid off. Because of this the intrest on each one was applied to my balance and the last promotion the money was never applied to that balance. Which was the only balance left. I called them every month and every month they are looking into it. Now it's affected my credit score. I requested they cancel that card. They assured me the issue was being fixed and to just allowing time. However within this time it's showing badly on my credit report. I am being contacted by them daily via email and telephone. My debt has been paid off before the due date. That balance is supposed to show {$0.00}. Due. Instead it is going up each month {$100.00} as I wait for their mistakes to be fixed. Everytime I speak to them they act like they have no idea what I'm talking about. Then they put me on a long hold to find the issue, then assure me it's being looked into and to wait. I have request they listen to every conversation made each month I called. I was being told one thing but what they were doing was so completely different. 
Please help me.

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 2023-11-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per AZ statute law, A.R.S 33.1321 landlord required to send itemization of fees, charges, and deposit within 14 days of move out which I moved out by XXXX XXXX XXXX sent bill 7 months later on XX/XX/ with fraudulent charges saying I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-25
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Freedom Mortgage sent me a letter stating my mortgage payments will increase. They gave me some choices to keep the payments the same. I choice the first one and paid {$730.00} toward the escrow shortage. But my payments increased anyway. 
In XXXX I got a similar letter but I paid nothing extra, instead I changed my homeowners insurance company for a {$300.00} lesser one and disputed my property taxes. But again my payments increased. I filed a complaint with the Department Of Savings & Mortgage Lending. They just repeated what Freedom Mortgage told me. Which was nothing!

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX I received notification that there had been a hard inquiry from XXXX XXXX XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on 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 explanation
Consumer complaint received 2023-11-08
Company: KEYCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About XXXX Weeks ago, Laurel Road/Keybank closed my account for what they decided was fraduluant activity. I had recently been sending money to my Laurel Road account because of the high savings rate at 5.25 %. However, I recently decided to send some of the money I had sent to Laurel Road to another institution known as XXXX. Laurel Road decided the account I sent to at XXXX was a closed account and this was fradulant. Now keep in mind the XXXX account is not closed and Laural Road/Keybank do not verify linked accounts with micro-deposits or XXXX. Now, they've shutdown my account and denied me access to my account. They say their investigation is still on going. I don't care about the account, I just want my money. I have a record of every single deposit that went into that account and I want my money returned and I don't see how a bank should be allowed to make up fraud and then deny a customer access to their own money indefinetly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: CA
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:
Received strange phone calls from a scammer. Weird address showed up on credit report of XXXX XXXX XXXX, XXXX, CA XXXX. 

This address is fraudelent i notified Experian right away and put fraud alert on my account and froze my credit report. 

EXPERIAN REFUSES TO REMOVE THE FRAUDELENT ADDRESS OF XXXX XXXX XXXX XXXX CA 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2023-08-29
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I received a call from a collections company called XXXX XXXX regarding my Systems & Services Technologies , Inc. account with Flex Lending that was paid and forgiven. Systems & Services Technologies , Inc. broke the contract by selling the account to a third party and I am seeking damages from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CCS Financial Services, 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:
I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  Amount : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. 



Sincerely,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX  l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXXXXXX Auto Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, 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 2022-06-08
Company: Social Finance, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Recently we received PIN notifications in the mail from SoFi regarding a credit card account in my name and that of a person named XXXX XXXX. We immediately contacted SoFi on XX/XX/28 and informed their representative that we did not apply nor do we have any open any account with your company. They informed us that the account would be flagged as fraud, closed and the three Credit Bureaus would be notified. 
We then received two physical credit cards. One for myself and one for XXXX XXXX. After receiving these cards we contacted SoFi again on XXXX and received the same assurances. 
We then started to receive demand letters from SoFi advising we have missed payments. We informed our local police department ( XXXX XXXX Illinois Police Department ) and contacted the three credit Bureaus to freeze my credit. 
We then received the enclosed letter stating that our request was cancelled as we did not provide the information necessary. This is not true. We sent the affidavit when it was requested and it was XXXX XXXX. Their Fraud area should research the difference between a Notary and a XXXX XXXX. 
Our police department advised against sending any further information as they felt that the requests may be coming from the individuals who are committing the fraud. As recommended by the Officers, we reviewed my credit reports from the three bureaus and the promise made was not completed as promised. My credit score has now been negatively effected by SoFi opening this account without authorization as it now shows that it is in default. 
The three credit reporting agencies need to be notified that this account should be removed from my history and have my history returned to where it was prior to SoFi opening this account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired 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  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

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 2022-09-25
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never bought a service from XXXX, especially in XXXX XXXX, that I have never been to. When I disputed the debt with the collection agency, they only sent me the amount owed and a notarized letter without my information or signature anywhere. The only information that appears from me is my name with an old address and nothing else. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged me for liability insurance ( {$270.00} ) on a HELOC ( acct # XXXX originated by BB & T bank XXXX now Truist ) that has had a XXXX balance since it was paid in full in XX/XX/XXXX. This is on a property at XXXX XXXX XXXX XXXX, SC XXXX that I sold in XX/XX/XXXX. 
I dealt with XXXX XXXX XXXX at my local Truist branch in XXXX Fl. After more than two weeks of trying to get the charge removed, paying {$5.00} to close the HELOC and faxing proof to Truist showing that I did in fact sell the property no one has been able to help me. Everyone shunts me to someone else who is also unable to help. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX complaint # XXXX ). I had a phone call from Truist that same day telling me a XXXX XXXX XXXX ( XXXX ) from Truist would call me with 15 business days. It is now XX/XX/XXXX and I have yet to hear from anyone. 
I want to close the HELOC since I no longer own the property, I do not want to pay {$270.00} for insurance on a loan against property I no longer own and I do not want this to go against my credit since I have not paid the premium. Please, somebody, help!

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 2022-12-05
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
even thought this company seems to have a block on being able to complain about them i figured i would ive it one more go before lawsuit.

after filing this complaint against them that supposedly was duplicated and never sent they have changed the way it is reported on my credit report but they still fell to compensate for having to deal with this for the last 6 years of them lying. further more they have the audacity to still not report it as it should be paid in full never late most especially after having to deal with the effects of it for 6 years i mean it was about t fall off as it was

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-25
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$45000.00}.

Company response to consumer: In progress