BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Mr. Cooper Group Inc.
State: VA
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, XXXX XXXX, am the primary mortgage holder/signer/payer for my mortgage with Mr.Cooper Mortgage company for my property. My loan # is XXXX. My mother, XXXX XXXX is the co-signer to this mortgage although she is not the payer, I am. My mother is not on the deed of this property but only the co-signer. She has filed bankruptcy but my mortgage is now frozen and Mr. Cooper representatives will not discuss my acct with me because the co-signer, my mother, has filed bankruptcy. I have not filed bankruptcy and I am the one who maintains the loan. Her lawyer told me this is a violation and considered " Underhanded punishment for filing bankruptcy '' and that I need to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments

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 2022-09-02
Company: Experian Information Solutions 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:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : Sun Fed Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX Account Name : XXXX  Account Number:XXXX Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EXPERIAN Acc Name : XXXX XXXX Acc Number XXXX Error found : -open Date is not uniform with all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

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 2022-08-14
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I, the consumer received a deceptive form as defined by 15 United States Code 1692j, in the mailbox of my private location from a third party debt collector ( ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC ). This deceptive form is stating false and inaccurate information. This deceptive form is proof of fraud and aggravated identity theft pursuant 18 United States Code 1028A ( c ) ( 8 ). I have never given ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC any lawful consent to furnish my private nonpublic personal information. ALLIED COLLECTION SERVICES OF CALIFORNIA , LLC has no permissible purpose to create and or house an account using my private nonpublic personal information without my written consent pursuant 15 U.S. Code 1681b ( a ) ( 2 ). This is in fact aggravated identity theft pursuant 18 United States Code XXXX028A ( c ) ( 8 ) and punishable by law ( 15 U.S. Code 6823 Criminal penalty ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such of debt, in fact therefore exists I do not recognize how this account is reporting on my credit report, I dont recognize the account, I dont recognize the account status, I dont recognize the high paid balance, nor do I recognize the late payments associated with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: OH
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
***I have just received this letter in the mail on XX/XX/2021 from Halsted Financial Services XXXX -It is strange to me they don't have my first name but has Home XXXX which is dated XX/XX/2021. This seems to be another fictious attempt to collect funds from me that is not valid.I am very Thankful to your company the Consumer Financial Protection Bureau for assistance in another case that was solved with your help. This company is claiming I owe {$690.00}. There are several account numbers listed.Their reference number for me is ( XXXX ) Original Creditor Account Number is ( XXXX ) and Current Creditor Account Number ( XXXX ) I don't understand how companies can get away with things like this. Thank You once again for taking the time to help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2019 I submitted an request to Experian to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to Experian to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from XXXX XXXX XXXX stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from XXXX XXXX XXXX stating there was insufficient information.

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 2021-04-08
Company: AMERICAN INTERNET MORTGAGE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally refinanced with American Internet Mortgage Inc. towards the end of XXXX. The appraisal I got at that time was {$240000.00}, which will be relevant for later. 

Since that time, my issues have compounded throughout my experience with American Internet Mortgage Inc.

Last year ( XXXX ) I went through the refinance process again with this company to get a lower rate. My loan officer very unfortunately got XXXX and never followed up and the refinance did not close. 

I later followed up and tried to refinance again ( early XXXX at this point ). Towards the end of that process, I posed the hypothetical question of " if I wanted to rent my apartment in the first year of the mortgage, is that something the company is usually willing to sign off on? '' This was due to my wife becoming pregnant and wanting to explore the possibility of moving into a larger unit. I got a call back ( after I had wired the money to fund and after the loan close date ) saying they weren't going to go through with my refinance ... How is that even possible if the loan was supposed to have already been closed ...? This is not to mention that had my initial refinance in XXXX closed, I would have already been coming up on a year in my unit, and this would not have been an issue. 

Fast-forward to today and I am trying to cancel my PMI. During my refinance process, I received an appraisal of {$270000.00}. The appraisal on my initial mortgage issued through American Internet Mortgage Inc. was for {$240000.00}. Despite the company telling me the appraisal lasted up to 1 year for refinances, they are telling me that the appraisal only lasts 90-120 days ( I forget which one ) for determining value to remove PMI. They are trying to force me to pay to have it appraised, yet again, in order to determine that the property is still worth no less than {$240000.00}. I would have to pay my mortgage down to 78 % of the {$240000.00} despite receiving an appraisal of {$270000.00} from the same company ( and literally the same appraiser ) less than a year ago. 

This issue is further exacerbated by the fact that they tell me that the department that deals with PMI within their company is not consumer facing, so I can not debate this fact with the very people who are supposed to be making the decision. I am told that I need to speak with customer service, who just repeats the same script over and over again and has left me on hold for upwards of half an hour at a time. 

I have been thrown through hoops by this company and every single thing they have done to me is immoral and I question its legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from XXXX XXXX out of XXXX Delaware. They allege I have seriously past due amount owed to XXXX XXXX XXXX for {$30.00} plus collection fees of {$4.00} for a total of {$34.00}. 

I do not have a XXXX XXXX account nor have I ever been billed by XXXX XXXX XXXX for any services correctly or incorrectly billed. 

I find the practice of Transworld Systems wholly intimidating and quite illegal. 

Please investigate this company and it 's unethical practices. The notice is dated XXXX XXXX 2017 The alleged invoice stated is XXXX XXXX the file number is XXXX my unique registration code is XXXX. The notice also states there main office at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This dispute is concerning the dental supplier XXXX XXXX. I bought a used XXXX autoclave from their company in XXXX for my business. I paid a total of {$4200.00} for this serial number. Unbeknownst to me, I also was double billed for the same type of autoclave, an XXXX, under a different serial number and agreement # for a total of {$2100.00}. I did not find this out until a few weeks ago, in XX/XX/XXXX after consultation with my attorney. 
The reason I found out XXXX XXXX double billed me, is because XXXX XXXX has brought forth a legal complaint against me for the same agreement # that I already paid off a few years ago. I was just served papers for small claims court for {$6400.00}, which is almost the same amount that I paid off a few years ago. I called the billing department at XXXX XXXX, and the collections attorneys that are trying to sue me for this amount, that I already paid this off. They advised me that they know I paid off the previous amount, but that this new complaint is for something different. I advised them that it was not, and that it is the same agreement # as before. 
I would also like to note that it appears that XXXX XXXX backdated an invoice to XX/XX/XXXX with no serial number. It just states that I owe {$6400.00} for a large equipment rental fee for XXXX week. This also makes no sense, because I have never been billed by their company nor sent any invoices for this. I never signed any contracts or rented or bought any large equipment from them since XXXX. In other words, they are waiting until XXXX to bill me for an erroneous rental XXXX  years ago because the statute of limitations is running out, and they never properly recorded me paying for the equipment before. 
I did consult with an attorney concerning this matter, and they are the ones who found out that I was double billed for the equipment, and that they waited 4 years to produce an erroneous invoice because the statute of limitations is running out. 
This lawsuit has caused me to lose work time and has cost me lawyers fees. I have also been served legal papers, been double-billed, and have had to deal with illegal backdating of invoices all for a large company to make money from a small business owner. 
I would like to get the amount back that I was over-billed plus interest, and my attorneys fees paid. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be 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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2017-09-02
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 card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. 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 2017-09-02
Company: EQUIFAX, 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, 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, these all hard inquiries that I do not approve. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an On Line Savings account and a CD account with Marcus by Goldman Sachs. I decided to close these accounts in XX/XX/XXXX. There was no response from Goldman Sachs. After much effort and many pointless long phone calls, Marcus by Goldman Sachs eventually closed these accounts and sent me checks to cover my full refund in XX/XX/XXXX These checks were sent to XXXX XXXX XXXX XXXX who refused to clear these them and returned them. XXXX XXXX XXXX XXXX, did not clear the checks due a MISMATCH between the FRACTIONAL NUMBER and the ROUTING NUMBER on BOTH checks. I sent all details for the non clearance of the checks including a notarised affidavit to Goldman Sachs and requested they issue new and good checks. I have followed up by many phone calls but to date I have not received replacement checks. I seem to get nowhere beyond 1st base and speak to an agent who has no responsibility other than to say, Ive reported the situation to a specialist who will respond in 5-8 working days. I seek and am grateful for any advice and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation