BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX XXXX. I have a mortgage that is serviced with Lakeview Loan Servicing LLC ( XXXX XXXX XXXX ). My loan number is XXXX. On XX/XX/2018. I sent my first mortgage payment to this company. I sent two Money Orders ( enclosed ). One for {$1000.00} dollars and the second one for {$920.00}. They were both sent in the same envelope and received by a person that signed under XXXX XXXX XXXX XXXX on XX/XX/2018, at XXXX XXXX 

The following Monday, I called them inquiring why they had not posted my payments. After a week or so only the Money Order for {$1000.00} dollars was posted as a payment, and when I called asking for the other one ( {$920.00} ), they responded that they were investigating this matter. I did not hesitate and went directly to USPS to inquire if the Money Orders had been cashed and by whom. 

On XX/XX/2018, USPS sent me a letter were they enclosed a copy of the cashed money order by XXXX XXXX XXXX in the amount of {$920.00}, that they could not track. They scanned the money order, front and back and in the money order it says that it was credited to a Loan #  XXXX. This is NOT my loan number. I have been calling and left on square XXXX every time, as they say they are investigating and that they will call me. Over a month has gone by and now I am going to be late in my second payment, because I just want to send the difference, but they will not allow me to pay it online. I have never been subject to such negligence over a payment I have made on time. I am now seeking your help as this company has not done so diligently even when I have been calling them almost daily about my case. I have a ticket open with them : XXXX. Last time I called, ( XX/XX/2018 ) an associate supervisor named XXXX, promised she had checked all attached documents, copies from USPS where they money order appears as cashed and copies of the money orders sent, and that she would keep my on the loop on my case. I am still waiting. I feel they are taking advantage of me because they can and it is not fair. I have enclosed documents for your review. 

Looking forward to your prompt help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-03-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Information belongs to someone else

Complaint:
I tried disputing a mortgage on my credit report from Carrington Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Solutions Financial ( MSF ) is the mortgage company involved in my complaint. I am the property owner and I purchased the property on XX/XX/XXXX with escrow payments for the property taxes to be collected, managed, & disbursed by MSF in a timely manner. MSF took the account off escrow in error sometime between XX/XX/XXXX and XX/XX/XXXX. No XXXX taxes have been successfully processed to date, eventhough the MSF tax portal shows disbursements. The money was taken from the escrow on XX/XX/XXXX, but is unaccounted for. Specifically the taxing authorities involved have not received payment. Also of concern is that the disbursements dated XX/XX/XXXX don't include the late fees and as stated have not been submitted to the taxing authorities. Where is the money? 

In a nutshell, MSF is not taking the matter serious and I am being assessed late fees. Here is a synopsis of my actions in an attempt to quickly resolve this issue. 
I received a delinquent tax notice on XX/XX/XXXX for the XXXX County Tax Assessor for I immediately called MSF and was informed that my account had been removed from Escrow Payments in error and that I would receive a letter in 2 weeks advising that the problem was corrected. I paid the tax bill on XX/XX/XXXX to avoid late fees. I paid in total XXXX, see receipt attached below. Between XX/XX/XXXX and XX/XX/XXXX I have not received any update or correspondence about the mistake made by MSF as it relates to the escrow issue. On XX/XX/XXXX I received two delinquent notices from : 1. MUD # 2 original tax amount XXXX, current amount is now XXXX includes a 7 % delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ) 2. R.U.D. original amount XXXX, current amount is now XXXX includes a delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ). 
I checked with both taxing authorities and verified that no payment has been received to date. I then called MSF and spoke with XXXX ( manager in the tax department ) and was advised that on XX/XX/XXXX the funds were withdrawn from my escrow account but the money has not been mailed to the taxing authorities as of today XX/XX/XXXX and can not be accounted for. I sent an email to MSF because I am very concerned about this issue. I am filing this complaint so that I will have support from CFPB that someone in authority will address my concern. My monthly mortgage includes billing for taxes and MSF is holding sufficient funds in the escrow account to cover the taxes. I don't know what more I can do. I've called and called but no one at MSF is assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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 looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap , they also violated my rights under -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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have proof of some things I've screen shot of XXXX app also there has been a situation to where I've was told to change my XXXX  XXXX XXXX  to get approved at this program called beyond XXXX XXXX in Arizona lasy year XXXX  and had a XXXX XXXX XXXX when I clearly was thinking why i need that and it gave me a new name after being in program for 3 months or less i was discharged due to lack of help n wanting go back home ive also never had documents printed to where how much everthing was ... and what the new name was used for. 

Also I've did do taxes with my ex before the accept n moved Arizona be in the program. 

Someone keep using my information it's not cool.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 


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 2021-02-03
Company: CL Holdings LLC
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: MOHELA
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:
XX/XX/2023 I filed a disputed through XXXX in reference to an account that has been placed on my credit account with out my authorization. 

I also informed XXXX that this debt or loan agency I did not authorize and that It was not mines. 

XXXX did send me a letter stating that this information is accurate which it is not. 

I have also filed another dispute in reference to this account that I did not authorize, MOHELA dept today. Date of XX/XX/2023 I, XXXX XXXX XXXX certify that I served my complaint documents to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addresses or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XX/XX/2023 Thank you, Best and kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my PayPal account was hacked and dozens of transaction totaling approximately {$15000.00} was stolen from other peoples credit cards, put in my account, and taken out on a debit card that was not my own. I was informed of this by one of the people whose cards was hacked ( NOT PayPay ). I contacted them on XX/XX/XXXX when I became aware of this. They recognized the problem, my password was reset and the fraudulent debit cards and accounts removed. They told me they would put an agent on the case and get the transactions removed. I called back a week later after nothing whatsoever had been cleared up and got the same story - that someone was working on it. 

I called again on XXXX and their customer service phone line was down, and message center had a multiple hour wait. I opted for the message center but it reset after a while and my place was lost. This is insane, they have acknowledged fraud, but are unreachable, and have done nothing to remedy the situation. Please help! I get calls daily by those affected asking where there money is even though I did not take it. I am at my wits end with PayPal, they have been absolutely abysmal in helping with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see attach letter. I can not write everything that was done to me here. Even the letter i wrote is just the tip of what both Chase and XXXX XXXX service did and the coverup they tried. All I am asking really is a fair investigation to what i am saying was done to me. The letter I attach is just the least of what they have done. Not only did JPMorgan ( chase ) tried to get around the bankruptcy but they tried to cover their tracks by claiming they sold my mortgage to another company. What they didn't tell me was that the morgage company they are selling it it is serving the loan for them. Now check the confusion. The company who is servicing the loan chase ( because chase lend me the money for the home but it didn't come from chase it came from another place and yes i have that too, where my loan came from. but chase was the service of it who sold the service to XXXX  to service it for then. Please help me make sense of that PLEASE. Or how does this sound since chase lost money on me filing bankrupt because of the house they couldn't see like they was trying to get that money back. So they cook up this XXXX modification claim to sell it to another company who that company is servicing it for chase. I say that because XXXX who is serving the loan now cant or wont tell me where that extra XXXX dollars is going to. And correct me if I am wrong here but isnt a loan modification is to help to reduce a mortgage payment not add more to it and extend the length of the loan. Please once again some one tell me I have the definition of that term ( loan modification ) wrong. Or was this something far more then ( loan modification ) but hidden the true reason under that title Please see that attach letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My. Credit report shows syncb/carecr balance of XXXX. I in no way shape or form Opened or show me my signature guys they didnt even send me one bill says opened XX/XX/2018 charge acct cancelled by credit company on XX/XX/2018. It says im 180 days late but a ) i never got so much as a birthday card llet alone a credit card and When i contacted them to know exactly what these alleged charges were for they go oh well send you itemized bills and its a month already, less then a year ago my credit score was XXXX and now cause of this something i never authorized my credoit score XXXX. 
Like im not shy about my address dont these companies verify when one applies who the XXXX is care credit? On XX/XX/XXXX new inquiry syncb industry travel/entertainment on XX/XX/XXXX new acct syncb/care credit industry : misellanous finance XXXX XXXX XXXX XXXX florida XXXX Not to mention my email XXXX is XXXX Can you do your jobs

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} 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 2022-09-08
Company: Experian Information Solutions 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:
I have two Accounts on my credit report that is Not mines. 

Account # XXXX XXXX XXXX is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXXDealership could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX XXXX XXXX is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2021-08-16
Company: CHARLES SCHWAB CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My social security check was direct deposited, as usual on XX/XX/2021, yet it was not showing in my account. After giving it a few days, I reached out to Schwab customer service. The agent was adamant that a ) the deposit was never made, and b XXXX the Treasury Department had not issued the payment. I checked my account on the XXXX website. The agent had not been truthful. It showed the deposit made on XX/XX/2021. I contacted customer service again. The agent gave me the same false information ; payment never sent, payment never received. 

I called social security. The XXXX agent verified that all account numbers were correct and that payment was, indeed, made on XX/XX/2021. 

Once again, I contacted Schwab customer service. This agent was able to confirm that Treasury had made the payment. But, the bank has no idea where it is or when I might receive the funds. 

As of today, I still do not have my money or any estimate as to when it is expected. Of course, this has created a hardship.

Company response to consumer: Closed with explanation