BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a forbearance due to COVID-19. I was approved, and my forbearance ended on XX/XX/XXXX. However, Mr Cooper ( the mortgage company ) called me at the beginning of XX/XX/XXXX, to ask if I was still having problems with resuming payments ( I stated yes ) and they said they would give me a few options to assist for XX/XX/XXXX. I explained to the lady that I was driving and could not write down the various options she offered. So, she said she would mail the papers to me ( and that I would not need to provide any additional documentation ). About 2 weeks later, I received a phone call from Mr Cooper asking if I received the paperwork, and also said I needed to make an appointment for a notary to come to my home to have me sign the papers and return them. I told they lady at that time, I had not received any papers. She said they were coming from XXXX or XXXX ( with a tracking number ) and I should receive them in the next few days. 

On XX/XX/XXXX, I received the papers. After reviewing them, I was very upset!!! Mr Cooper is NOT offering a variety of assistance! They only sent modification papers which are making me START over with a 30-year loan, with a HIGHER interest rate, HIGHER monthly payment, and the total sale price is MUCH HIGHER than my original closing amount in XX/XX/XXXX!!! I will NOT be taken advantage of! If I couldn't pay $ XXXX per month ... how do they expect me to pay over {$1600.00} per month and my household 's finances and/or situations have not improved SINCE COVID??? I also, explained that my dad ( who was a Veteran ) died of XXXX and I have the death certificate as verification!! I have verification my husband and & I were terminated from our jobs and we both were denied Unemployment. They REFUSED to give me any other option, and although I told them the lady initially called me stating I had more than one option, they keep saying I do not! That this is HIGHER modification is my ONLY option!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Credit Protection Association, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received a letter from CPA, or Credit Protection Association, dated XX/XX/XXXX. The letter said that we owed {$170.00} to XXXX. There was no account number on this form, but it did have reference # XXXX. I called the number on the card, and they asked me my name and date of birth, and they said this matched the person on the account. They also asked if I had received the previous letters, and I told them this was the first correspondence I had received from their company. I told them this was not my account, and then I asked them what the address was that they showed the service at, and I asked the phone number. The person on the line from CPA told me this was for service at XXXX XXXX XXXX in XXXX, MO and the phone number was XXXX, and I called and spoke to a XXXX at that number who said he didn't know anything about the XXXX bill. The CPA representative also said that I needed to file a police report to get this resolved, and told me that they could take payment over the phone if I wanted to pay. I again emphasized that this was not my bill, and that it appeared that someone had used my identity to set up this account. 

We received another letter from CPA dated XX/XX/XXXX. This letter had more information on it, including the account #, XXXX, the disconnect date of XX/XX/XXXX, and the date it was turned over to collections of XX/XX/XXXX. I also received a call from the company which I returned and was admittedly upset. I again told them this was not my bill, and asked if they were sending bills to the other address. The person on the phone told me there was no other address except my home address and denied the XXXX address was even on the account. I called back and asked to speak to a supervisor, who told me the address was on there, and again stated that I needed to fill out a police report. 

I did attempt to talk to XXXX by going to their office on Wednesday, XX/XX/XXXX, and was told there was nothing they could do. They said that I needed to fill out a police report. I started a police report on that day, and completed it the following day. The report is with the XXXX Police Department at XXXX, and I completed it with Officer XXXX XXXX. 

Currently my wife and I are trying to refinance our home, and this has caused our credit score to go from XXXX to XXXX. I found this out on XX/XX/XXXX as well while inquiring about loan options. This was how I realized this was a legitimate collection agency.

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 2018-03-19
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert this morning that a collection was added to my report. I've never heard of this company before. Never received any correspondence or calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records. 
Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights. 

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ Ross associates is paid and is still reporting to my account. This has legitimately paid and it is hindering me purchasing my home. The amounts are {$310.00}, {$230.00}, and {$180.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX Inaccurate reporting

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 2022-06-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was the victim of check fraud and Chase has stated that it has practiced ordinary care in honoring these fraudulent checks and because I did not identify the first fraudulent check within a certain amount of time, Chase was not obligated to reimburse me for any of them. Chase has stated that it practiced ordinary care even though some of the checks were presented in XXXX banks and I do not have a history of writing checks that are cashed in XXXX banks. Some of the checks were printed with someone else 's name on it and Chase has stated that it has practiced ordinary care in honoring those checks even though my name is not in the upper left hand corner. 

I am attaching my Affidavit of Unauthorized Signature or Transaction. 

Chase has made other errors identified in complaint ID XXXX that have made me very doubtful of Chase 's internal controls and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft 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. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$760.00} XX/XX/1986 XXXX, XXXX, XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked an international hotel through my XXXX chase credit card which I paid approximately {$100.00} in cash and the remainder in rewards points. I followed the check in instructions and called the property 24 hours prior to check in. XXXX, the contact person confirmed everything was fine and set for my arrival. 

The day of as I am on my way, XXXX contacts me to tell me she made an error on her part and decided to rebook me on the other side of town at a downgraded hotel without asking my consent. She refused to honor my reservation. 

I called XXXX and the representative placed me on hold even after I told him I am calling internationally and would prefer a call back, just to tell me there's nothing he can do and he can not refund me. All he can do is transfer me to another department that can rebook me else where and I would be responsible for the difference. 

I had already reached the hotel by then since we were in the taxi already and now I have to stay in a downgraded facility with no AC or WIFI and I am paying the price for this error that was not on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXXXXXX 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 2020-03-16
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Saturday at approximately XXXX XXXX, I purchased a paypal prepaid card from XXXX XXXX XXXX for {$170.00}. When I tried to activate the card, the net spend company said I needed to take it back to the store that got it from because it wasnt properly marked as sold. So I did this and the manager said their books evened out and basically it wasnt their problem. Everytime I try to activate I get told the same thing. Its been 3 days now and Ive heard nothing from either end about a solution. Between the 2, someone basically took my money and neither side plans to give it back. Ive never had this problem before but it will be the last. Especially if theyre just gon na take my hard earned money and place blame on the other party. Im tired of doing this circle already and Id like my money. Either cash in hand or on the card it was supposed to load onto

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 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a loan modification through Bank of America. They put me in trial payment from XX/XX/XXXX through XX/XX/XXXX. While I was made payments, my home went to foreclosure. I went to court with Bank of America and I showed all the evidence to judge. Bank of America had to buy the house back and reinstated back under my name. The loan modification was completed in XX/XX/XXXX. Bank of America mislead me and lied regarding the details of loan modification. The agent of Bank of America stated that they reduce principal amount and put it aside to allow your monthly payment less. All I have to do is to remain 5 years in house without default. After that this amount will be waived out and I would be able to sell my house without issues. He did not inform me that was a second mortgage I have to pay when I sell my home or refiance through conventional loan. I am devasted to find out after a buyer has been waiting for 3 months to close the deal. I want this to investigate and find a remedy for it. I can not afford to walk empty handed after the home sold.

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 2020-03-16
Company: Experian Information Solutions Inc.
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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

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 2023-03-11
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX putting a down payment down and making payments on time. It was an in-house payment center with XXXX XXXX  but recently they completely closed on XX/XX/XXXX. I was not made aware by email, phone or mail about the company closing. I cant call a customer service line or make online payments as it is closed permanently as well. As a consumer I should have been notified about this financing company closing. Online I am directed to a website called XXXX XXXX XXXX which is a debt collector. I am not in debt with American financial. Their company was closed because they are in debt. My account should not be transferred to XXXX XXXX XXXX without my consent in a contract with my signature on it. XXXXXXXX XXXX XXXX does not have license to work in the state of South Carolina. I should be able to get back all my payments made to American financial in my down payment is well. As I have been researching, it is illegal for a company to receive down payment on a vehicles once I have given my name ssn and other information. Please help me.

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