BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX or XXXX XXXX : Dispute missing information from XXXXEquifax. ( scanned and sent Certified mail ) Dear Sirs, Attached is myEquifax credit report SSN last four **** with missing information that can not be disputed online for unknown reasons. 
Included are my driver 's license so you can correct my date of birth to XX/XX/XXXX and my name from XXXX XXXX to XXXX XXXX XXXX XXXX My Social Security card is provided so you can match it to XXXX report with SSN last four **** included. 
I have provided my XX/XX/XXXX XXXX XXXX credit card statement so you can add my Apartment number # XXXX to myXXXX report. 
Please provide a copy of my corrected credit report within 14 days when you have corrected all three ( 3 ) my name, date of birth and address, as I have been denied credit recently. 

Sincerely, ================================== XX/XX/XXXX Dear CFPB, I send the Letter to Equifax on XXXX XX/XX/XXXX, certified mail XXXX XXXX XXXX XXXX XXXX, and Equifax received on XXXX XX/XX/XXXX because Equifax did not send a credit report on two previous requests XXXX 

I requested my credit report my mail and to have my name, date of birth, and apartment number corrected online, by mail since I can not get thru the phone line at XXXX or XXXX because after answering all the questions on their phone system it does not connect me with a person to check on my dispute. I included myXXXX report online with the missing and incorrect information to correct my name, date of birth, and missing apartment number from XXXXEquifax report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I started in the federal government Covid 19 Forbearance program to end XX/XX/XXXX But due to the fact I have an FHA loan the FHA in XX/XX/XXXX issued an update to FHA Covid 19 loss mitigation Policy Letter # XXXX extending my Forbearance by One Year to XX/XX/XXXX, However, MrCooper refuses to accept the FHA Guideline extending my Forbearance by one year & has insisted & harassed me to commence payment on XX/XX/XXXX, I have written to them sending all relevant documents from FHA but to no avail, In reality, the FHA program ends XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: AZ
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:
After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( XXXX ), and recorded with XXXX, Experian, and XXXX ( CRA 's ), I sent a series of letters to XXXX from XXXX to XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, XXXX and Experian have not. I received a response from the XXXX Credit Bureau Dispute Resolution Unit dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both XXXX and Experian claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX County Justice Court -- period!

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 2022-04-07
Company: Experian Information Solutions Inc.
State: KY
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:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : 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 2021-06-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with Transunion, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from 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 explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: AZ
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:
After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX  and TransUnion. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$750.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX AL ) XXXX Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX CTR XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called the va they said I had to many repayments. But I fell down the steps at work and lost my job then corona hit and my husbands hours got cut. The va said the mortgage company can do a repay they refuse keep saying its on the va. Then the mortgage company never told me I could still just pay the back payment to get caught up then waited till I owed XXXX or more and said it was going to foreclosure they kee extended the loan and I am trying to catch up but XXXX is a lot to catch up to. My husbands hours are back to normal for now

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 2019-03-31
Company: Eagle Accounts Group, 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 just recently took a loo at my credit report and I noticed that there were some XXXX XXXX  accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XX/XX/2017 -ACCOUNT # 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 2021-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I stayed one night at the XXXX XXXX in XXXX Maryland. 
The charge was supposed to be {$130.00} I discovered I was charged {$1100.00} when I got my credit card statement. 
On XX/XX/XXXX I called the XXXX customer service and was told by them that I was charged for 7 nights. 
They assured me they would contact the manager and I would be refunded. 
On XX/XX/XXXX I still had not received the refund so I called my credit card to dispute the charge. 
They started the dispute and they gave me a provisional credit. 
I continued to try and get the hotels customer service to resolve the follow up on getting my overcharge refunded. 
The original booking was made on XXXX but when I got to the hotel I was told that they didn't have that type of room and the reservation was changed at the hotel. 
I was moving to Maine so left early in the morning and there was no one at the desk so I just left. 
So, I have no receipt, only the credit card charge. 
XX/XX/XXXX I received a letter from my my credit card company stating they reversed the provisional credit and I am responsible for the charge. 
I called them and was told that they did not contact the hotel. The decision was made based solely on the fact I did not have a receipt. 
Again, I continue to try to contact the hotel manager directly and the hotels customer service for resolution. 
I don't think it is intentional fraud or theft but it is amounting to one or the other. 
The Hotel has taken over {$1000.00} of my money that they were not owed. 
My credit card company is not able to or interested in protecting me from being robbed.

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 2022-04-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint filed with the CFPB regarding Mr Cooper. Same issue I filed about XXXX weeks ago. 

I have overpaid my Escrow funds by {$11000.00}. I have requested these funds to be returned. SINCE XX/XX/2022. 

I am convinced, after reviewing the number of consumer complaints against this Mr Cooper, ( which can be reviewed online - are incessant - and go on and on .... ), I don't know if the CFPB is equipped to deal with this monumental task... Mr Cooper does not seem to care about your consumer advocacy bureau. The CFPB. AT ALL. 

When I contact them, and point out that I have an open complaint against them, I am convinced their phone associates don't even know what or who the CFPB is!!! 

They don't take my calls seriously. They promise a manager will be calling me back. 

NO ONE CALLS BACK!! EVER!! 

THIS IS MY SECOND COMPLAINT WITH YOUR GOVERNMENT CONSUMER AGENCY. FOR THE SAME ISSUE. 

What are you doing with this mortgage company to hold them accountable? 

I am XXXX. I need these funds immediately. PLEASE HELP!!! I am a consumer. Who was promised consequences from your agency when a creditor is irresponsible. 

The last manager I spoke to was : XXXX XXXX. A Manager. 
She was supposed to call me back on XX/XX/2022. 
I call and call and call... They can not put me through to her?? 
Why not?? 

I need recourse. Immediately... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Estate XXXX XXXX XXXX ( deceased ) Mortgagee XXXX XXXX XXXX XXXX : 3 Checks issued. Payable to deceased husband. Non-negotiable. 

Promised resolution : To ACH or Wire funds to my account. 
Payable to : XXXX XXXX. 
Emailed my voided check 3 times to : XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: KY
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:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: McCarthy, Burgess & Wolff, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation