BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I took out a mortgage with XXXX  XXXX XXXX XXXX. Due to the recession in XXXX I was unable to make my payments and my home went into foreclosure. XXXX XXXX  XXXX filed a lis pendens to foreclose on my property. They admitted in their complaint that they were the holder and owner of the mortgage and promissory note. The foreclosure started in XXXX and they finally voluntarily dismissed their case against me in XXXX. In XXXX they filed a new lis pendens and now XXXX XXXX  XXXX as Trustee for a REMIC Trust. So they have admitted into evidence that the original Note was directly transferred from XXXX  XXXX XXXX XXXX into the Trust. There are no dates on the Note as to when this transfer happened. According to the Pooling and Servicing Agreement for the REMIC Trust and the Mortgage Loan Purchase Agreement, XXXX  XXXX XXXX was to sell my loan to XXXX XXXX XXXX XXXX XXXX and then XXXX  XXXX XXXX XXXX was to create the Trusts and register them with the SEC. XXXX XXXX  has clearly breached their fiduciary duty as a Trustee, violated IRS laws and SEC laws and now they are trying to foreclose on me and it is impossible that my loan ever made it into the REMIC Trust. I paid an attorney to help me defend my case but he never deposed any bank employees or entered any evidence or witness list. He just wanted to settle with the Plaintiff when I clearly wanted to take the case to trial. I recently terminated the services of XXXX XXXX XXXX and the Plaintiff Attorneys plan to take my case to trial in XXXX. I am in need of assistance asap. I have plenty of evidence to send you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 Suntrusts account after being told one of them was a BB & T. Now I was being told they both were Suntrust accounts. Both accounts have been placed back on XXXX XXXX. Suntrust was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid

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 2017-12-13
Company: Experian Information Solutions Inc.
State: DE
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:
Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.

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 2017-12-13
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit report and Credit Protection Association has been attempting to collect a debt for {$740.00}. This company is not licensed to collect any debt in the state of Florida..

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 2021-11-23
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 incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2021-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-10-04
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2014 Mr. Cooper/Nationstar Mortgage received payment in full for a mortgage including a fee to record a mortgage discharge.

Despite being contacted numerous times both by fax and by telephone since XXXXhas not been recorded a mortgage discharge as required by law. 

My office paid the loan and full and has made numerous attempts to obtain a mortgage discharge. 

Attached is proof of payment and evidence of multiple contacts. The latest contact today was by telephone wherein heh telephone representative refused to speak to be because I was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
Experian have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXXXXXX # XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXXXXXX # XXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX # XXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - 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 2023-01-25
Company: Avant Holding Company, Inc.
State: RI
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:
In accordance to the federal credit reporting act, this creditors XXXX XXXX and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and Associates has attempted for Nearly two years to collect a debt on behalf of XXXX XXXX XXXX XXXX for an alleged Emergency Room visit. I have contacted both the hospital and XXXX requesting proof ( my signature, a copy of the ID used at the ER, etc ) to verify I was at the hospital that night because in reality I was at work They have both refused to do so. I have submitted both companies my insurance information with the understanding that IF they were certain it was a valid debt, they should bill my insurance as I have had the same insurance for 7 years. Again, both companies have refused to do so. I called Wakefield and Associated to request they either bill my insurance or remove this from credit report, they have refused, told me it was not insurances problem, it was mine. They have reported a {$1300.00} bad debt on my credit report causing my credit score to drop considerably while refusing to provide me with any verification that the debt was valid or billing my insurance. I have Alabama State XXXX so any Er visit would have been covered but they are refusing to even try billing it. I have even mailed them a copy of my insurance card and my ID. This has been going on for over a year and has caused a drastic drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went into the emergency room for an emergency XXXX I had. I was never seen, they told me that I couldnt be seen because I had no insurance then he told me to sign some papers and I was laid out to door!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to fix this information over and over again with XXXX. This account was paid in full and it is past the statue of limitations for reporting on my credit report.

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 2020-09-11
Company: CrossCountry Mortgage LLC
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 applied for a forbearance due to COVID-19. CrossCountry Mortgage reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX  of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased plane tickets through XXXX XXXX and they completely scammed me out of XXXX $ i purchased XXXX $ flight insurance in case i needed to cancel our change my flight, which on the website said cancellations were covered. The day before i got really sick and couldn't fly for 21 hours. I tried to cancel and they said that i would have to pay XXXX $ and that my insurance doesn't cover cancellations but it actually did. I purchased a full round trip ticket. 2 weeks later was supposed to be my return flight but because i NEVER took the flight there nor was i offered an alternative solution besides ripping me off for more thousands of dollars they cancelled my return flight and still did not refund my money. I never flew with this airline my insurance covered nothing and i feel scammed. I filed a claim with my bank ( chase ) and they have not helped nor ruled in my favor. They have not offered me partial refund or anything for that matter. I am so upset because this company portrays false information. I also XXXX   the company and this is not an isolated situation they have done this to others. XXXX XXXX check the reviews im not the only person this has happened to. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported an error on my credit report to Equifax. 
They haven't removed it from my credit report yet. This was a fraudulent account opened using my details with XXXX XXXX. I have been in contact with them and also went to the bank and verified my identity. Please try and have this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ive received a bill back in XXXX XXXX XXXX, i immediately called and asked them who they were and why was i receiving this bill? Once they informed me of where it was I immediately knew it was not me. I live in Florida and never have been to a hospital in XXXX. They told me i needed to file a dispute with XXXX. i did so on XXXX XXXX. Today i called again and they said the only way they can remove it is if i made a police report for identifty theft or fraud. Once i obtain that i have to send it to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a HSBC Credit Card.My Card No. is - XXXXMy Credit Card due was Rs. XXXXDue to my bad financial condition I was unable to pay the dues.On XXXX a person from HSBC Bank came to my office and threatened me about the dues.He forced me to give Rs. XXXXNow, After that, I have informed the bank that, I need settlement due to huge financial problems.HSBC / Agency continuously called my office landline number.Yesterday, I have got warning from HR in my office that if any further phone from bank will happen then I will loss my job.Now, tell me sir, I work in a private company.After loosing my job I will not be able to pay the outstanding dues of HSBC bank.I wanted for settlement.But, they refused.I am helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation