BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we applied for a mortgage loan through XXXX XXXX to purchase a condo. We also signed a the contract to purchase the property on that date. We were provided a schedule of requirements, including a date in which we needed to place {$3000.00} in earnest money for the purchase. As we went through the process, we were told that we would be scheduled to close on XX/XX/XXXX. During the week of XX/XX/XXXX, we were then told that the lender, Paramount Residential Mortgage Group XXXX XXXX, dropped the ball and did not order a condo project review. This would push our closing to XXXX. On XX/XX/XXXX, we received a closing disclosure that we reviewed with our mortgage broker, XXXX XXXX. I questioned the total due at closing as the disclosure did not include the earnest money that we placed on deposit previously. When we questioned this, we were told that we would get a final disclosure once the title company balanced the numbers with the lender, so we signed it. On XXXX, we were told that our closing needed to get pushed again as the lender had not completed their review. The closing then got pushed to XX/XX/XXXX. I questioned getting a new closure, which I thought had to be sent to us 3 days before closing. I was then told no, they were still compliant. On XX/XX/XXXX, we were then told that the closing was not going to happen until XX/XX/XXXX. I still did not have a final disclosure with the total fees due at closing. On XX/XX/XXXX, we were provided with what was to be our final fees due at closing, I went to the bank to get a cashiers check. On my way there, I got a call that the final number had changed. When I arrived at the bank, I was told they had changed again. I waiting for a final call back to get the final numbers for closing. Again, I was provided final numbers a few hours before closing the loan. We closed the loan on XX/XX/XXXX at XXXX MST. We were done signing at approximately XXXX and then had to wait for the lender to review the documents and provide approval that they would fund the loan. We sat at the title company until XXXX XX/XX/XXXX. MST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12
Company: AES/PHEAA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! I need help in removing this collection account from my credit file. If you will investigate I am doing my best to have my credit scores fixed and be in the right path. I am reporting you this account because it is inaccurate and I have no dealings or debt with them. Please help me and have it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: DISCOVER BANK
State: CA
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:
My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good morning, My student loans were transferred to Mohela in XXXX and then I called Mohela to find out about PSLF one time review that Biden set-up ( not the $ XXXX forgiveness for students who have grants but a review to see if my entire balance may be forgiven ) and I was told it would be in my best interest to re-consolidate my loans. 

Following this recommendation, I reconsolidated and my loans were returned to Mohela on XXXX My PSLF payment count still shows zero and it has been 3 months. They have been telling me all along to give them 90 days to update my payment count. Now that it has been 90 days, they are telling me to wait 90 BUSINESS DAYS. This is ludacris. I know that they have a lot of loans to process, but I have spent hours and hours on the phone and no one can tell me anything except to wait. 

I little while back I was told that they started working on my loans forgiveness on XX/XX/ and to allow 90 days from that date. But there still hasn't been any movement on my loans, at all. My payment count still shows zero, and now they are telling me to wait 90 business days? Prior to consolidation I had almost 100 payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can you please help me? I applied for the one time review prior to the deadline of XX/XX/ and I am becoming VERY concerned. This morning I did an online chat with a gal names XXXX and she couldn't tell me ANYTHING except to wait 90 business days. 

Warm Regards,

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 2022-04-07
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never opened a XXXX XXXX XXXX XXXX card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. XXXX did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: AR
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 am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Our original mortgage was XXXX  XXXX  they put us in a bogus modification then turned around and made us sign a contract to keep our mortgage with a 60 year mortgage we just cant get above our principal mortgage was XXXX now after 20 years XXXX they had there hands slap and that was it then chase sold our mortgage to XXXXXXXX XXXX XXXX we have really high fees and always have to fight for our escrow I keep really close tabs on this and they always always say we are short not true now we have been bought out again by XXXX XXXX  and they say we are short again on escrow XXXX and owe XXXX in late fees not true our five r net needs to stop this predatory lending please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2019-06-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2023-04-17
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with Navient it was agreed that all corresponding Navient account data should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: The Receivable Management Services LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.

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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a charge off/foreclosure on my credit but it was never a charge off or foreclosure. I sold the house. They are reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a 'non-refundable ' security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a 'general carpet clean ' for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out. 

I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could " Listen in private ''. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 no consent 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 2017-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. WAKEFIELD & ASSOCIATES  does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105  states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-108 ( a ) ( 1  ) Every collection service shall have, for each location at which it conducts business a locatio n manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123 sta tes a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor . WAKEFIELD & ASSOCIATES is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a bankruptcy that was being reported on transunion that is not mine, I have already had XXXX  remove this from their bureau. They have said that XXXX  XXXX  verified it the first time, and the courthouse verified it the second time. As you can see in the pictures I am including the courts do not report bankruptcies. XXXX XXXX froze my account then over the phone and by mail reported that I do not even have anything on file with them. They refused to send me anything in writing stating that XXXX XXXX or the courts verified this, and it is because neither is true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountainland collections reported to XXXX 2 different account # s for multiple accounts resulting in double accounts on report for at least 7 yrs. Also not reporting and marking accounts as paid from a year or more pryer. Making it difficult to support my kids and only being able to make barely enough to scrape by and get deeper in debt. Could've been making over 4 as much in my profession but still can't cause what they have done to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXXXXXX XXXXXXXX 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 2023-06-15
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 inquiries and remove them immediately in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation