BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please attached timeline attempting to resolve this with Mr. Cooper, loan processing company. 

We discovered our escrow balance is excessively high ( see attached page ). We contacted Mr. Cooper telling them we knew the originating bank was overly conservative developing the initial escrow balance. ( We had no idea the overage was so excessive. ) But now that Mr. Cooper holds the mortgage note, you are notified, please fix it. We validated our information with paper escrow-related tax bills and a discussion with the local XXXX  government tax official. Mr. Cooper staff has begun to string us along, as well as mislead us. We were nicer a year ago with XXXX when they delayed us almost three months - we are not naive this time. ( Completely separate, but XXXX acted similarly with my good friend in XXXX  when he asked for his refund. ) We believe, validated with the attachments, Mr. Cooper owes us roughly $ 5K+ in escrow overage that increases monthly ; as well as by direct follow-through, the monthly mortgage we are having to pay is roughly {$430.00} over ( too much ) as well. 
Mr. Cooper has an automated phone line that informs customers there is no need to send in escrow-related tax bills as they capture them electronically. We disagree because this is part of our complaint- we inform them they are missing one and we have no comfort level any correction is being acted on. 
We have been professional in all of our dealings. At times we have expressed frustration with Mr. Cooper staff, but the timeline notes will reflect why ; as well as any recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

THIS IS NOT A DUPLICATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NACA promises you can apply for a mortgage if you spend hours attending seminars and going through and around hoops and red tape. I did all this in XX/XX/2017. I met with NACA Counselor XXXX XXXX in XX/XX/2017. I also paid membership fees at this time. He told me I could qualify for any amount ( up to their maximum non-jumbo limit ) once I was ready. 

Three years later, I decided I was ready. On XX/XX/XXXX, I was given a new appointment with NACA Counselor XXXX XXXX. Because of COVID-19, it was distantly set on XX/XX/XXXX at XXXX XXXX PST. On XX/XX/XXXX, I emailed XXXX and XXXX to confirm my appointment. Neither responded. 

On the day of the appointment, I called the phone number for my appointment. No one answered so I left a voicemail. Instead of a call back, I got an email saying I got pushed to XX/XX/XXXX. Ms. XXXX did email asking how she could help. I've written her three times and she has never responded. I've also tried multiple times calling/emailing the national center for help. None of the phone numbers get me to a live person. Each email I response I receive asks me not to reply to their response ( even though their response does not address my email ). 

I feel like this company is denying my access to apply and they are misrepresenting what it takes to apply for a mortgage. I also wonder if some sort of discrimination is taking place.

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 2023-01-12
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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. This collection found within my credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi- I submitted a XXXX complaint to XXXX and Transunion about XXXX XXXX charge off, account # XXXX, that is not mine that has been on my credit report over 30 days ago now and it's still being reported, also their investigation is still either ongoing or not even started as I received no response from them at all. 

Please also note a few months ago XXXX validated that the account was NOT mine and REMOVED it off of my XXXX credit report. I'm not sure why XXXX and Transunion are not being compliant or co-operative. Nonetheless I warned them about a 30 day demand to comply in the same letter mailed out to them since XX/XX/2022.

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 2020-06-08
Company: PNC Bank N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Due to Covid shelter in place orders, I was unable to go in person to make deposit into my checking account. The personal loan installments are supposed to come out of this checking account and thats why it led to payments not being made. When I finally managed to make deposits in the account and pay the installments for the personal loan, the payment did not get credited to my account properly which I was not aware of. This has let to late payments showing up on my credit report. I am requesting to reverse the late payment reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
I filed a complaint with law enforcement XX/XX/2020. I submitted a police report to equifax and XXXX. These credit reporting companies are inaccurately reporting a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit.

1 I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2 I asked for the original contract bearing my signature.

3 I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account 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 2021-01-09
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was just released from the XXXX XXXX XXXX XXXX and they are claiming that I incurred a debt during my time in XXXX, There are three separate entries by this creditor on my report that I am filing this complaint on as they are listing the same account number. I have asked for documents to prove to them that I never authorized these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I know this is probably small to you but I am a victim of fraud by counterfeit check because TD Bank did not do their job when a fake check with the WRONG routing number which should have been FLAGGED right, away instead, {$1900.00} was stolen/CASHED out of my TD Bank account & I followed all TD Bank protocol to resolve this. There is obvious proof that it is a counterfeit check, wrong routing number, wrong check stock, wrong address, and more, but TD Bank won't give me back my money until they do their investigation. I have auto bill pay for credit cards, etc. bouncing back making me liable for returned items. And all the bank can say to me is " how do they know I didn't have the money go to another bank account '' I feel discriminated against by that statement. Ive been with TD over 10 yrs & never bounced a check or overdrawn. What is the FDIC for? Why do I have to wait to get my money back meanwhile the perpetrator is out there and already spent my money. I am looking into a lawyer about this because little people like me shouldn't have to be broke because a counterfeit check they know that didn't have their routing number should not have passed into being a processed check and taken out of my checking account. I also reported them to the XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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.

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-13
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I moved and had all of my mail forwarded. Additionally, I was on an electronic statement with the company. I knew I had a balance and was waiting for the statement via electronic transmission or US mail. I never received either. I then received an alert from a credit monitoring service that a payment more than 30 days past due was posted on my credit report. I contacted the organization and they acknowledged that they had received the mailed statements back and that the electronic transmission of the bill did not process. They credited the late fee back to my credit card and I paid the bill. When I asked about correcting the credit report the customer service representative stated that it would be done by the end of the month. That was in XXXX, 2021. After XXXX months of waiting for the correction I filed a dispute with the credit reporting agencies. After 15 days they all came back and said that the information was correct. 

After all of this they increased my credit limit by XXXX dollars.

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 2020-04-15
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've followed the instructions they set forth, I've called multiple times, I've summited the online document and haven't gotten any response. This company without my knowledge and permission is reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After actively monitoring my consumer report, I noticed multiple inaccuracies are being reported regarding my XXXX account ( Account # XXXX ). The inaccurate information on my consumer report is proof that a proper investigation has not been conducted by the Data Furnisher to the Credit Reporting Agencies. I'm simply asking XXXX to remove it from my credit report. 
These discrepancies amongst the credit reporting agencies have caused enough damage to my personal and financial reputation. I have provided a list below of all inaccuracies reporting on my consumer report, which further proves that XXXX has had blatant disregard for the laws according to the FCRA & FDCPA. 
Also, I have found the information being reported is not metro 2 compliant which is a reporting requirement listed by all three credit bureaus on each of their websites. Please view ALL of the documents attached. 

Account Name : XXXX XXXX Account # : XXXX Dispute # 1 XXXX XXXX as the furnisher of information is not registered as a telecommunication company not a collection agency in the state of XXXX. Therefore, XXXX XXXX should not be reporting a collection account on my consumer report. 

Dispute # 2 XXXX XXXX has verified with the CRAs that {$820.00} is past due. In order for an account to be reported as past due a payment must be due. The payment history does not reflect any scheduled payment amount for this account. XXXX XXXX may report a balance but a past due amount is invalid reporting and improper use of my credit report. 

Dispute # 3 The Term is being reported as 1 Month. Was this account opened on XX/XX/ as a Collection account or a Cell Phone account? I would like to request the 1 month Term contract/ signed agreement. 

Dispute # 4 The account reports as an Open/Installment account that was opened on XXXX  but has reported no positive payment history. Which is a reporting requirement by the Credit Reporting Agencies. Data furnishers must report both positive and negative information monthly. XXXX XXXX has reported ONLY negative payment history regarding this account. 

Dispute # 5 This account is reporting monthly payment history on a closed account!

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 2022-04-19
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 item listed below has violated my rights. 

INQUIRIES : 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 NEGATIVE ACCOUNTS XXXX -US DEPT ED XXXX -DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
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 these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
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 U.S.C 1681 Section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States 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. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.

Company response to consumer: Closed with explanation