BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: Long & Foster Financial Services, Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XXXX with Prosperity Mortgage. My payments were listed on the following dates : XX/XX/XXXX {$1000.00} XX/XX/XXXX XXXX My mortgage was then transferred to XXXXXXXX  on XXXX however the XXXX payment for XXXX was not posted nor the information shared with the new company. 

I have been receiving messages that my payment is late and this has impacted my credit score by 35+ points. My 1st payment with XXXX was authorized on XX/XX/XXXX and cleared my account on XXXX. 

When I contacted Prosperity I was placed on hold for more than 10 minutes. The second time I called I spoke with XXXX XXXX # XXXX Employee ID who informed me that no managers were available to respond because it was a Monday. The business hours indicate Monday to Friday on the website so I'm not clear as to why that was the response I received. 

I made XXXX aware of this situation and it now with their cashiering department but in the meantime my credit which I worked diligently to improve has been impacted and this has caused emotional distress. 

The response from Prosperity was unacceptable and did not meet the basic requirements for professional customer service. If this is an oversight on my part I intend to address the issue the expeditiously however is this error is on the part of Prosperity I would like their office to be accountable and investigated to determine if this is a pattern that can negatively impact the credit and lives of their customers unknowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing has failed to properly credit my account with received payments. There are outstanding issues regarding the allocation of remaining Trustee payments and the monthly mortgage statement balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of XXXX I left XXXX XXXX and took my phone service to XXXX. 
I received a collection notice from XXXX XXXX XXXX. I disputed the charges because they were charging me for phone service when my number was now owned through XXXX  XXXX. 
The charges were removed immediately. 

Jefferson Capital LLC has continued to repeatedly add this collection to my report. Making it look like its a new account. I have had them remove it two times prior. in XXXX of XXXX in addition to another time in XXXX. This time it says the account was opened in XX/XX/XXXX and I owe XXXX on XXXX and XXXX. 

I have never received a call or piece of mail about this collection. 

I have called multiple times and this last time was a threat they were going to add things to my report and hung up. 

Jefferson Capital LLC is not licensed in the State of Florida to collect. Their license was terminated back in XXXX. License Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: Hollins & McVay, P.A.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX XXXX My checking and savings account was completely garnished by a court order in Kansas. The po box the notice was sent to my mothers mail box. She checks the mail, if it looks like spam mail she throws it away. She said she did see some stuff with my name on it but I figured it was wrong person they sent it to or just spam mail. After my account was garnished and I was told it was a court order I told my mother to save those prices of mail, and when I got back to visit her I would see what it was. I got sued and the suit was awarded to the attorney suing me for a criminal debt from 2009. I do believe this is well past the statute of limitations. The law suit was prepared by : XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX XXXX XXXX XXXX  XXXX XXXX  Case No : XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THESE ACCOUNTS LISTED DON'T BELONG TO ME AND NEED TO BE REMOVED FROM MY REPORTS.

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 2019-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not recognize any of these account and Never applied for these accounts. Please remove all of them from my credit report because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My job filed for partial unemployment, two weeks have gone by everyone has received card yet im the only one waiting, and I have checked and it has indeed been loaded with money multiple times. I really need my money and have faced 3 hour wait times no one answers. I have bills to pay and kids to feed. Thanks a lot XXXX for being absolutely no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check to a payee and mailed it to the payee on XX/XX/XXXX, the check was cleared on XX/XX/XXXX. The payee informed me on XX/XX/XXXX that he never received the check. We submitted a request to Chase bank regarding the lost check on XX/XX/XXXX but as of XX/XX/XXXX we are being told every time we called the bank to check on status that the clearing bank XXXX XXXX XXXX XXXX XXXX has not responded to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold from XXXX to XXXX Mortgage XXXX. 
It seems the servicer is double billing use for property tax billing. I have attached examples of the error. We have called multiple times and have yet to get a response to our concern. 
As seen, the documents from XXXX XXXX outline all payments that are to be deferred for the home loan : The total amount of {$55000.00} is stated as including an escrow balance and other past-due amounts to be deferred totaling {$12000.00}, and a principal interest of {$43000.00}. 









Now as seen on the documents provided by ServiceMac we have the same deferred amount of {$55000.00}, only this amount is not listed as the total amount deferred as in the XXXX documents, but rather the deferred principal balance only. This suggests that the escrow balance has not been added even though we can clearly see from the above documents that it has been included in the total amount deferred of {$55000.00}. In addition to this amount we see listed another escrow balance of {$10000.00} : This is clear evidence of an additional escrow balance being added to the total amount deferred. XXXX amount of {$12000.00} which is included in the total amount deferred, and an additional {$10000.00} escrow balance which only appears after ServiceMac takes over handling of the loan. Please see the attached PDF files to verify these findings. We would like a prompt explanation as to how ServiceMac plans to correct this issue as our monthly Mortgage amount is currently being effected by the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus ( XXXX, XXXX, and TransUnion ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX  XXXX XXXX, 2 ) XXXX Customer Service on XX/XX/XXXX for XXXX XXXX XXXX, 3 ) XXXX XXXX on XX/XX/XXXX, 4 )  XXXX XXXX on XX/XX/XXXX, and XXXX  ) XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.

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 2020-04-27
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:
World Finance has repeatedly removed and reinserted this debt. On or about XX/XX/2020 the account was added after previously being deleted following a dispute. 
When I contacted the local branch, I was told I needed to call the collections dept at XXXX ( XXXX ) XXXX. When I call that number inquiring about this account ... I was told the collections account is closed. 
So I called the branch back. At this time I was told the account had a balance of nearly {$800.00}. 
This account is reporting at {$300.00}. 
Why is a closed collections account reporting as open? 
Why is the loan holder reporting {$300.00} debt but Is asking for {$800.00} Although the debt is not mine, they removed and added this account several times over the years, the statute of limitations is approaching, they keep re-aging the debt, and reporting inaccurate amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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:
contacted company about incorrect information on report and company did not properly investigate

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 2020-04-27
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX  ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2019-11-09
Company: FCI Lender Services Inc.
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello our margate company just got our loan 3 months ago and they are saying we owe then XXXX XXXX plus XXXX XXXX and the arragenal loan was XXXX XXXX 11 years ago we need some1 help us

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 2020-11-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2020 I received a SBA loan deposit into my bank account in the amount of {$100000.00} that issued by the SBA. It has been several months now that I haven't had access to my account. They have requested information regarding the deposit which I have provided but as of this date I have yet to have access to my funds. I have tried repeatedly to speak to a branch manager and was told that they were unavailable to spake to me. I have a agreement with SBA not the Bank in regards to the bank, however the bank refuse to release the funds and have stated that the funds will be sent back for no reason. I would like my funds to be release immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX - {$2000.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$200.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

On XX/XX/XXXX - {$1100.00} was taken from my bank account via cash app and sent to a weird XXXX address. 

I first contacted Cash app notifying them there was fraudulent activity on my account and I have no idea of why this money was sent or aware of where it was sent. They refused to help. In XXXX I decided to take this to local police department since cash app refused to help. I filed a police report. Cash app then sent my detective a link to send his information. He even got information signed by a judge as required by cash app. To this day now almost 10 months later nothing has been done and I have yet to receive a penny of what stolen from me at the expense of the Cash App platform. My cashtag is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: OK
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to remove a security freeze with Experian in XX/XX/2020. I mailed them my name, government issued id, and a utility bill from my current address. I can not access my PIN nor can I speak to a live person. 

I apply for new credit cards and they are denied because of this freeze that I want permanently removed.

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called TransUnion to go over mistakes, inaccuracies, data errors and violations of the Fair Credit Reporting Act. One representative was very rude and would not allow me to go over the disputes. In addition to that there were numerous times when I asked questions and I was put on hold without prior knowledge. When I asked if the representative XXXX heard my question it was completely ignored. He told me that he needed information to pull up my consumer report, he asked numerous times when it was given in a very clear manner which as a consumer per 15 USC 1681 ( a ) ( 4 ) was not respecting my privacy as a consumer.The representative could have been asking me to constantly repeat information just to write down and take me information. I also asked if I could file a dispute and he willfully disagreed. When asked about inquires he told me he could not remove them. When asked why the only details that were given was " We have to follow a process '' .Then the representative hung up on me. I called again and attempted to get into contact with TransUnion again with another representative, once again who failed to help me as well. In addition to that TransUnion are also in clear violation with 15 USC 1681. Attached below is a letter showing the exhibits.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XX/XX/2020, I applied for a loan with XXXX for a student loan refinance. The lender denied my application for the following reason : Your credit score : XXXX Date of score : XX/XX/2020Key factors that adversely affected your credit score : Lack of recent bank/national revolving information ( I have 2 XXXX  Credit Cards  on my credit ) Length of time accounts have been established Proportion of loan balances to loan amounts is too high ( My Credit usage is 1  % ) Serious delinquency ( None ) Per Experian member in addition to reviewing a copy of my Experian report, none of these negative factors are present on my credit report yet these negative factors are reported to lenders I have 2 national revolving credit cards from XXXX XXXX XXXX My length of credit history is 18  years Proportion of loan balances to loan is low. My Credit usage is 1  % I have no serious delinquency on my credit I contacted Experian and the customer service agent confirmed that none of these negative factors are on my credit report. Yet Experian did not offer any remedies to correct these discrepancies. Experian offered to send me another hard copy of my credit report which I already have. This discrepancy has impeded me from getting the refinance loan for which I applied. 
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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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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