BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error. 

Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.

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 2019-12-05
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost 2 jobs this year one from XXXX  his XXXX XXXX at his employment, found a new job and was diagnosed with XXXX  XXXX XXXX and then fired from that job, before we were 60 days behind on our mortgage we called Caliber home loans about our situation the informed us there was nothing that could be done until we were 90 days past due at which time then filled the foreclosure, we have filled out many loss mitigations and have been denied everytime. We never received another phone conference after our second was canceled due to calibers attorneys rescheduling. We also havent received a judgment on the foreclosure date from the courts only from Calibers attorneys and a card from XXXX county sheriff sales. We are about to be homeless with our children. We were working with XXXX XXXX from hud XXXX she never returned any of our emails and she was the one handling our case, supposedly working with the judge and the attorneys from Caliber. Assuming she has gotten our information from the courts and not allowing us the chance to fight for our home. Due to these neglected actions my family is now being effected and going to be homeless. We cant afford an attorney and nobody seems to wan na help, legal aid refuses to help even know they cant find a judgement on the sale date in our case look up they claim that the case has already made a judgement even though it was ever properly given to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
chase bank - XXXX - XXXX XXXX NY. XXXX XXXX, international representative for XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX and XXXX? somewhere - XX/XX/2021, I sent XXXX to XXXX XXXX to release a package for XXXX XXXX thru customs by XXXX XXXX. 
A couple of days later I sent $ XXXX to release from customs in XXXX a briefcase containing the money and a diamond necklace. 

They/XXXX and XXXX funding set up an account in my name as go between for XXXX XXXX. I have documentation of all of this. and emails and phone numbers. 

there is XXXX XXXX XXXX in XXXX - I am suppose to give another XXXX to have the XXXX code release all the money to me. 

allegedly - there has been XXXX taken out to pay an electricity bill to XXXX XXXX in XXXX XXXX CA. XXXX XXXX 's account that has not been paid for several months. - something about limited access to his funds by manager and wife. 

I have spoken to an FBI agent who said to contact my bank - no help there and Chase that received the funds ( XXXX XXXX ) and Cyber Security - XXXX XXXX / allegedly one of the same / does not know I have contacted any agencies in reference to this complaint. 

If I can get my monies back - that would be a great help - and alert others to these people. got nothing else to do with Covid rampant. 

call me or text or email anytime for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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:
Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. acct # XXXX amount {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 send over to Transunion a copy of FTC identity theft report along with a letter stating that they should block the accounts that were due to identity theft. They refuse to block the information within the four days as they should. I even called them with more information about the identity fraud. They should at least block accounts until they get proof that I received goods or services. This information should have been blocked within 4 buisness days

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 2023-06-07
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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: MI
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:
the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: VT
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:
I sent a letter on XX/XX/22 to XXXX XXXX XXXX regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the company to resolve this issue, but I have not heard anything back and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/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 2018-03-06
Company: FIRST MIDWEST BANCORP, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for mortgage pre-approval, received approval from First Midwest Bank loan officer XXXX XXXX on XX/XX/XXXX. Based on approval, I entered into a purchase agreement with XXXX XXXX XXXX for a new construction townhouse. On XX/XX/XXXX, I was asked to sign conventional loan application for {$160000.00}, 4.5 % interest rate, with {$5000.00} down payment, and no closing costs for buyer. The application had multiple errors, including the property address and I asked them to correct it. 

On XX/XX/XXXX, I was asked to sign new application for an FHA loan. XXXX advised she couldn't do conventional loan. Loan amount decreased to {$150000.00}, interest rate increased to 4.625 % and buyer closing costs increased to {$2000.00}. Told that underwriting was trying to approve based on my student loan monthly payment. Confirmed with 2 local loan officers that this process should take about 48 hours to determine eligibility for FHA loan. Didn't receive  response from XXXX XXXX until XX/XX/XXXX that I was not eligible for FHA loan. 

Told me that loan had to be conventional and the loan amount decreased to {$140000.00}, interest rate increased to 5.375 %, buyer closing costs increased to {$7800.00} approx. Two days later told I needed {$8500.00} for closing. Told me I had to produce certified funds within a week. Reason given was " changed circumstance '' but my circumstances had not changed. XXXX XXXX  changed the terms of the loan after I entered into an agreement.

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 2021-10-30
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a derogatory mark on my credit report in XX/XX/2021. The debt collector Paramount Recovery Systems is claiming that I owe medical debt from XX/XX/2021. I have never received a bill or phone calls from either the debt collector or the company claiming I used medical services. The information in the report is not accurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm making this statment, because I was not the person who is responsible for applying for these accounts. I have never applied nor used these accounts for my self benefit. My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

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 2021-01-28
Company: Early Warning Services, LLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I received a document from Early Warning in XXXX AZ stating the following : Early Warning does not have access to account documentation and is there for unable to provide copies of any documents. For more information, please contact the furnisher directly. The contact information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On my Early Warning Customer ID # XXXX I have 3 items I am listed below : XXXXXXXX XXXX  - XXXX  XXXX # XXXX Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX - XXXX XXXXXXXX # NONE Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX XXXXXXXX XXXX # XXXX Account # XXXX Principal Lost $ PAID Contribution Reason : Account Abuse After several attempts with XXXX XXXX and XXXXXXXX XXXX also confirming that the above 2 accounts are NOT Checking Accounts there are old credit cards that had fraud on them because of them being stolen. 

After several attempt with XXXX XXXX XXXXXXXX this was not Account Abuse my bank card had be stolen and I closed the account because they would mot release my funds!!! 

Early Warnings has first refused to show me any proof of documentation and now have clearly stated that they have NO documentation. I want these items removed immediately from my account and now they are refusing to do so with NO documentation or legal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. 
Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.

Company response to consumer: Closed with explanation