BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was taken with XXXXXXXX XXXX as our servicer. XXXX sold the servicing portion of our loan to Mr Cooper Loans. They are been our servicer for just under a year. Unfortunately just got a notice that even though we have made our regular payments and have an active escrow account. Mr Cooper is not paying our taxes properly. Just got a letter in mail showing a late fee and that they are missing payments for our escrow. Send an email to Mr. Cooper and was on hold for over an hour today and they said another dept would contact me which they never did. Very upset as reading review online this seems to be a real problem with this servicer Mr Cooper maintaining our escrow account. Very concerned and need help resolving this. Tried with Mr Cooper and still no response. 

Attaching most recent statement from Mr Cooper showing all up to date. And a letter just received from County of XXXX XXXX showing late fee and past due tax payment from our Escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: PR
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 try to report account open fraudulently in my credit report on Equifax and I send the Identity theft report, and they still reporter. I ask for the method of investigation they use and they don't comply. They violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Manhattan Beach Venture, LLC
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:
Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX was paid in full. Please remove 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 explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 explanation
Consumer complaint received 2021-09-17
Company: HW Holding, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I won an eviction case against the original creditor XXXX XXXX XXXX on XX/XX/2021 on XX/XX/2021 the oc  retaliated against me by reporting the balance over to a debt collection company Hunter Warfield IncXXXX At the time I reported the debt collection attempt to the eviction attorney and also to the consumer protection agency and have an ongoing case ( XXXX ) with investigator XXXX XXXX and she has been great and has worked to get the issue somewhat resolved but while this is going on the oc is still aggressively reporting me to collections and on my credit report opposite of what they are saying in negotiations. This is causing a lot of undue stress mental health issues and financial hardships

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 2022-12-23
Company: Early Warning Services, LLC
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:
early reporting agency reporting inquiries on my credit report that are unknown, unrecognized and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: MA
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'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 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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank 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 2022-03-19
Company: General Motors Financial Company, 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:
This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$600.00}, Date opened. XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: TN
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 belongs to someone else

Complaint:
On XX/XX/2020, JPMCB- Card Service pulled a copy of my credit report. I contacted them within 24hrs to inform them I didnt authorize it. I spoke with their security/fraud department. I also mailed them a total of three letters. I have also contacted the credit companies to dispute this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They call my cell phone while Im at work and dont leave messages. They call from multiple numbers. Now they are calling me at XXXX! This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received letter from Citibank Client Services, XXXX # XXXX, that I requested a new Citibank account. I did not request to open an account with Citibank, so I called the phone number in the letter. I gave Citibank the file number on the letter, but it still wanted my social security number and all my other personal contact information to make a report, and I refused. I was told I needed to contact the FTC to file a complaint.

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 2023-08-16
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a farm in XXXX with my husband in 2009. After we moved from XXXX, my husband continued to work in XXXX  and never made the transition to move over which was obviously what was originally intended as we were raising our XXXX young children. I learned later that my husband was having affairs since we all lived in XXXX and was continuing to do so while I raised our kids in XXXX. I filed for divorce once I learned of his infidelity but I could not afford the farm by myself. I did not have a job since I had just moved and I was taking care of our children by myself. I found jobs and found ways to stay afloat the best I could going in and out of the foreclosure process. I was at the farm for nearly 10 years and struggled the whole time. The property had gone into disrepair as I did not have any additional money. The market was bad and the property did not look good and so there was no way to sell it early on. I worked hard on the property for 3 years doing what I had to get it back into a state that would help it sell. I mowed, weed whacked, power washed, fixed fence, fixed garage doors, had siding put on a run-in, fixed XXXX waterers, painted rooms, got carpet put in where it needed it the most, trimmed trees, repaired electric fence and on and on. The property looked great when I finally put it on the market and the market had improved by that time. The property sold in the nick of time as I was in foreclosure proceedings once again. My neighbors could vouch for all the work I did over the years because they saw me working so hard. 
When I applied for a mortgage through XXXX XXXXXXXX XXXX, a 3rd party originator, I was approved for a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan. I was told that I would have to pay PMI for 10 years I believe which was an additional {$150.00} per month! I thought that was only for those who put less than 20 % down. I was putting more than half down! I was told that because my farm was in foreclosure proceedings that it was a requirement. They did not care about the circumstances whatsoever. Anyone in my position would have lost the farm to foreclosure and would not have the means to buy any house. So basically I am being punished for something that was out of my control. I did not know that I would be abandoned by my husband. He signed a 30 year mortgage with me yet I was the only one trying to stay on top of it. Most people told me to just walk away and start over. I had too much invested and felt I needed to work hard to get where I needed to be. It would have been much easier to walk away but that is not something I do. The mortgage has since be sold to Freedom Mortgage of XXXX XXXX, Florida.

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 2023-12-17
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of 7ywars federally and state level its three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NV
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 recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from XXXX. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank 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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX XXXX XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported 17 times on XXXX but It was charged off one time.

NO payment history on XXXX, it's inaccurate XXXX XXXX days late : XXXX XXXX XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No DateXXXX XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX  5. Terms : Not Listed on XXXX XXXX or XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}. And, also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. Please delete. XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian credit bureaus have me marked as deceased!!!!!!!!! 
Ive been working hard on my credit and now they have as deceased, which holding me back on multiple levels of both personal and business ventures. Plus they wont update my credit score! 
Ive tried calling but nothing works. I cant even get to someone live to address the problem. 
This is ridiculous.

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 2021-04-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage provider Lakeview Loan Servicing LLC, has failed to pay the correct amount from my escrow for my XXXXXXXX XXXX. On XX/XX/2021 I called Lakeview Loan Servicing LLC and notified them that they had only paid {$0.00} in XXXXXXXX XXXX when the amount due was {$8700.00} if paid in XXXX. I was told that there was an error made and it would be resolved in XXXX  days XXXX XXXX XXXX ). I also emailed XXXX XXXX a scanned copy of my XXXX XXXXXXXX XXXX statement with the amount due. On XX/XX/XXXX I still did not see the payment posted so I called the provider again. This time I was told that they were going to start reviewing the error that day and not actually have it resolved that day. I was told by the company rep. on the phone that " these things take time '' and they would pay the amount for any delinquent fees. In XXXX the taxes had still not been paid but I received a Annual escrow account disclosure statement from XXXX XXXX stating surplus amount of {$6600.00} was being refunded to me largely since the projected amount for XXXX XXXX was {$6700.00} and actual amount paid was {$0.00}. I called XXXX again on XX/XX/XXXX in regards to why my XXXX XXXX had still not been paid and why I was receiving a refund. After speaking with a manager I was notified that my issue would be escalated and addressed within XXXX business days. On XX/XX/XXXX I contacted my XXXX XXXX office and verified that the amount had still not been paid. I contacted XXXX XXXX  on again on XX/XX/XXXX and spoke with a representative to get an update on my escalated issue. They stated that the escalated ticket had not been reviewed yet. However they also started an escalated ticket directly to their escrow team and should have the XXXX XXXX  paid in XXXX hours. At this point the payment would be multiple months delinquent.

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 2021-06-29
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
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: Account information incorrect

Complaint:
XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER

Company response to consumer: Closed with explanation