BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my application to Mr Cooper for help with my mortgage because on XX/XX/XXXX I lost my Mother and I had to pay her funeral cost out of pocket. This hit me really hard and I started calling Mr.Cooper explaining my situation tryna get some help. I had received a modification in XXXX because I completely lost my job because of the pandemic. I had used my 12 month forbearance and I kept asking Mr Cooper for help but Mr Cooper told me no other help was available and started foreclosure proceedings. I had to hire a third party for help XXXX XXXX. XXXX XXXX and her team worked diligently trying to get me help. Only then did I find out that there was an extra 180 days available to me if needed because my loan is federal backed. XXXX was able to get my foreclosure paused and got me the forbearance. I have tried every kind of option that supposed to be available to me and I have been denied everything! I have my application with them right now for the FHA program that has just been put in place and I submitted my application to them as soon as I got sent the application. This home has good equity in it and I feel Mr Cooper doesnt care at all about struggling families. They are proceeding with the Foreclosure and Ive submitted my application to them for help. They are saying they are going to try and process my application in a timely manner but foreclosure proceedings will continue and Im trying to understand why would you proceed with foreclosure if there is help I may qualify for? I dont understand this company! Somebody please help us struggling home owners who have suffered so much loss already! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. 





Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage last year because of unexpected medical due to a road accident, I tried working out on options to catchup on my mortgage payments with my mortgage company, they don't seem to help me in any way, I was turned down for a loan modification in the month of  XXXX stating they can't give me a loan modification.

I only need a chance to start paying my mortgage, I currently owe close to {$36000.00} in arrears, and I need a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
During the time I was incarcerated ( XXXX ), someone fraudulently submitted applications in my name to XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery in XX/XX/2016. I have made several attempts and provided documentation to Portfolio Recovery showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted on XXXX about a pair of shoes I was selling. I began a text conversation with the person - XXXX XXXX XXXX XXXX - and we agreed that they would send me a check and I would send them the shoes. She said she was buying the shoes for her daughter in college. She said that the bank issued her the check for my money plus her daughter 's monthly allowance. The check had a routing number of XXXX and an account number of XXXX. It was from XXXX XXXX XXXX and was issued on XX/XX/2020. She asked if I would mind sending the rest of the money along via Zelle after the check cleared. I sent 2 Zelle payments to someone named XXXX XXXX at the email XXXX. One was sent on Monday with a XXXX/Zelle transaction number of XXXX with a value of {$700.00}. The next was sent on Tuesday with a XXXX/Zelle transaction number of XXXX with a value of {$400.00}. They then claimed the daughter could not get the shoes and I could keep the extra {$100.00} for my trouble and repost the shoes on XXXX. Two days later on Thursday the check was refunded by the issuing bank as being fraudulent and {$1200.00} was cleared out of my checking account. Clearing out my account. Please help me get this money back. 

I contacted XXXX on Thursday XXXX and they told me there is nothing they can do since the money was sent bank to bank from a third party vendor ( Zelle ). Zelle has no contact number or support for Fraud so they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A XXXX transaction routed through Chase Bank was withdrawn multiple times. The withdrawn funds were only sent to the recipient once. Chase has the funds withdrawn in error somewhere in limbo and has caused my account to overdraw. I have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: FMS Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. 
On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. 
I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my XXXX  credit report that is fraudulent and is coming up with ARS ACCOUNT RESOLUTION Solutions, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.

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 2020-10-21
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/20, I sent a Cash App of {$120.00}, to someone that lost their Cash App card. On the very same day, she contacted them regarding the lost card. They explained that the money would be refunded to my bank account within 5, working days. We've made several attempts at resolving this matter, requesting that the money either, be returned to my account or, the receiver. Each time Cash App advised that we did not respond in 3 days, therefore, we'd have to contact them again.Presently, I've been advised, that the money can't be canceled or refunded nor, can the receiver collect the funds because, she lost her card. So far, I'd never received a valid answer to the refunding of my money. Any assistance in this strenuously, frustrating matter would be deeply appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I AM FURIOUS WITH CHASE BANK. I RECENTLY GOT APPROVED FOR THE SBA EIDL DISASTER LOAN, AND THEY ARE HOLDING MY MONEY  XXXX, THEY FROZE MY ACCOUNT AND ARE NOT RELEASING THE FUNDS WITHOUT AN EIN NUMBER. I EXPLAINED NUMEROUS TIMES THAT I AM A LICENSED ESTHETICIAN AND I AM SXXXX XXXX, I QUALIFIED FOR THIS LOAN AS A XXXX XXXX INDIVIUDAL I DO NOT NEED AN EIN NUMBER TO OPERATE, THEY ARE MANDATING AND MAKING THEIR OWN REQUIREMENTS WHEN THEY ARE NOT THE ONES ISSUEING THE LOAN, ABSOLUTELY RIDICULOUS. I NEEDED THIS LOAN BECAUSE OF THE ECONOMIC DISASTER, AND I LOST SO MUCH BUSINESS BECAUSE I HAD TO CLOSE DOWN AND COULD NOT WORK SINCE I AM CONSIDERED NON ESSENTIAL AND BECAUSE OF THIS I AM PAST DUE ON MY RENTS MY BILLS. THEY ARE SO INCONSIDERATE AND ARE NOT EVEN WILLIGN TO LISTEN, THEY ARE REPEATING THE SAME THING LIKE A ROBOT AND ARE REFUSING TO RELEASE MY FUNDS WITH THEIR OWN REQUIREMENT THAT THEY MADE UP. IF SBA IS NOT REQUIRING IT AND THEY ARE THE ONES WHO DETERMINE ELIGBILITY WHO ON EARTH IS CHASE TO MAKE THEIR OWN REQUIREMENTS AND HOLD  MY MONEY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-06-02
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX complaint which included a copy of the recording

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: GA
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 no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: MO
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 resurgent sent details about my debt to my mother which I did not authorize. It includes my name and a link to their website that includes my name and the amount of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CL Holdings LLC
State: AL
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 THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/1973 XXXX XXXX XXXX XXXX XXXX Ss # XXXX Credit Bureau XXXX Experian I need you to investigate the following accounts XXXX XXXX account # XXXX XXXX XXXX  account # XXXX In accordance to the fair credit reporting act Experian has violated my rights by reporting my accounts as late. 
15 USC 1681 Section 602 States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2 : It alsc states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under Any open end consumer credit plan as late for Any purpose.

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 2019-04-02
Company: CORELOGIC 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:
XXXX are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : Crelogic Credco ( XXXX  ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.

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 2023-06-02
Company: ENOVA INTERNATIONAL, 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: Credit inquiries on your report that you don't recognize

Complaint:
I see on my XXXX XXXX and XXXX account that a hard inquiry was put on from NETCredit Im not familiar with this company or report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I received an alert from XXXX that my Transunion score had dropped by 50 POINTS!!!! Needless to say I was floores. I've worked VERY hard on getting my scores above 700 and havent been late on ANY payments. There was literally NO changes to anything. I called TransUnion and they couldnt tell me why it dropped. I called all my current creditors and there were no recent delinquent information ( in YEARS ) ... I also recently paid several accounts off. I did have an old XXXX account that was charged off ( years ago ) and Ive been paying them regularly and my score has went up A LOT since then. I even called them and they said they had t reported anything new either. I understand utilization and applying for new cards can make a score go down a bit ... but 50 POINTSSSS! and nobody can tell me why. Ive looked at my report ... NO new negative info. This makes me think all this stuff is a scam ... Im disappointed because Ive worked very hard on my scores and for it to be taken away is very disheartening. I pay on time for years and my score goes up MAYBE 10 points and then nobody can even tell my why my score dropped 50!!!!

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 2021-09-02
Company: XOOM CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls for payment method that was sent back by this company saying I now owe a balance. Ive been utilizing this method for many years now this has never happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: GA
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:
Contacted Credit Agency Experian multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and issue with filing a dispute on online, incorrect late payments, reporting late payments on charged off accounts etc. Latest contact XX/XX/2022 and XX/XX/2022 report no. XXXX and credit report from XX/XX/2022 and XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.

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