BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am currently in the process of closing on a home and I am working with Mr. Cooper to obtain my mortgage. I am also on maternity leave with full salary replacement ( 100 % paid salary ) during my leave. 

Earlier this week I received an email from my loan processor stating that my loan was escalated and that the underwriter was requesting that I be back at work before my loan closes. The loan processor said she was challenging this and reaching out to management on the issue. I also provided documentation that I received 100 % of my salary while on leave. 

I checked in multiple times this week to see the status and learn more. I was not given any transparency or visibility into the process. Finally, last night I emailed my loan processor and said that I believed what they were doing was wrong and illegal and blatant discrimination against me. This morning, on XX/XX/XXXX, my loan processor emailed me to say everything was fine and we were moving forward. They just needed documentation from my employer on the exact date when I would return to work. She did not respond at all to my email to her about their discriminatory practices. 

I had also requested to speak to a supervisor on this issue and no supervisor information at Mr. Cooper was provided, nor did my loan processor specifically address my email to her when I called them out for discriminatory practices. 

I am still worried about my close and unsure if they will delay my closing. I'm worried I will not be treated fairly during the closing process because I am on maternity leave. I am concerned and upset that Mr. Cooper would even try to hold up the loan process and discriminate against me based on XXXX ( maternity leave ). I am more than qualified financially to afford this mortgage and have been extremely honest and diligent in supplying them with all possible documentation throughout the process- even providing additional documentation that they didn't request to support my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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:
Subject : Identity Theft and Request for Correction of Credit Report I am writing to inform you that I am a victim of identity theft, and I have identified several inaccuracies on my credit report that require immediate attention. I am seeking your assistance in correcting this information. 

My current address is XXXX XXXX XXXX XXXX XXXX, Texas, XXXX ], and I have never resided at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Furthermore, I have noticed several negative items on my credit report that do not belong to me. 

Enclosed with this letter, please find copies of all correspondence related to this matter, including letters previously sent to the creditors involved. I kindly request your prompt investigation into the following matters : Verification and correction of my address to XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. 

Removal of all negative items on my credit report that are a result of identity theft. I have attached evidence supporting my claim, including letters sent to the respective creditors. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. I request that you notify me of the results of your investigation and provide an updated copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Company response to consumer: In progress
Consumer complaint received 2023-08-21
Company: FlexShopper, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
You had an account with FlexShopper with account number XXXX. 
As of XX/XX/2023, you owed. {$660.00} Between XX/XX/2023 and today :. 
You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Conn's, Inc.
State: AL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
The company first tried to force some type of credit insurance which they later called XXXX XXXX, I showed them I had insurance, A week later they tried to force Life insurance on me which I had to fight to not get about a week later I received a new statement saying I owe {$8300.00} from the original {$900.00} owed.So I went to the company for an explanation of the amount difference and they could not explain it so I for item to pick up and inventoried so we would know exactly what I do have.I was told they could not pick it up I would have to bring it in.So I feel like they tried to force me to take the insurance and when I didn't they raised the amount on me.None of this was discussed during my first purchased.I received the new payment amount on XXXX, on XXXX went to the place of business to try to clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-19
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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 2021-11-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my account has been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2021 Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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:
I have submitted several disputes with all three Bureaus including XXXX, Equifax, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Discover contacted 2 of my relatives about a debt that was already closed and were looking for me but instead reached out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a XXXX  loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$750.00}.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-24
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed my Apple Card in XXXX XXXX. The provider closed the card with an existing balance. I have reached out to them twice since requesting the card be closed to get a final balance on both occasions I was told a payoff, which I then proceeded to pay. 
In-spite of the card being closed and being given two different payoff amounts, I continue to receive billing notices because the provider Goldman Sachs Bank USA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Seems to be able to provide accurate information on the existing balance and persist in sending billing statements for amounts that should have been included in the requested payoff balance on the two previous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

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 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Early in XXXX I was unemployed. After finding a new job with a XX/XX/XXXX start date, Covid unexpectedly caused a nationwide quarantine and significantly delayed my start date by several months. Having to remain on unemployment for 5 months caused a financial impact which required me to work with Bank of America and various credit card companies to reduce my monthly payments. I made all payments on time and In XX/XX/XXXX the reduced financial agreement had ended. Unfortunately, I was unaware of the new payment model and did not pay the correct payment. Having the late payment on my credit report is causing a negative mark and request a 1-time removal of the late payment.

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 2022-09-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022, I made an attempt to pay down debt after XXXX using some of the equity from my property in Arizona. After running my credit the rep indicated that I had a lot of student loan debt however if I paid my vehicle and several credit cards the loan could be approved. In doing so, Wells Fargo sent me all these requests for documents they knew I could NOT provide. I explained I am living in lodging and I could not provide utility receipts ; additionally, I received my mail at the XXXX  Store therefore I could not provide a lease. 
Wells Fargo continued to send the same requests several times over even after I provided an explanation- I believe there were unfair practices because they would not change anything when requesting documents such as my tax returns, they did want transcripts, I sent transcripts and they wanted another tax form 4505C I never heard of before. 
More importantly, they NEVER had any intentions to approve the loan they took my {$690.00} for a home appraisal and just made me jump through hoops for nothing. FINALLY, after all the frustration of going back and forth requesting the same documents, I quit and asked them for my appraisal monies- I had to file a dispute with my credit for the {$690.00}. I understand the need for substantiating documentation but for the most part, there are not too many hotels that will render utility bills, therefore this and any other reason they suggest is not a justification for denying me the loan. I have an excellent credit XXXX score and make an ample amount of income. I did not want to take the monies from my retirement fund however in an effort to pay down my debt may be the only option. I've NEVER been late on my mortgage- I have paid on time for the entire time of ownership. My monthly payment is {$800.00} and I have been making {$1200.00} payments to pay off the loan in less than 30 years granted. I am NOT an angry customer since I waited weeks before filing this complaint, I feel as though they did not provide the service they should have since the documents they were requesting were unobtainable from day one. Very Respectfully, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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 XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation