BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Every year in XXXX or XXXX, my mortgage company, Mr. Cooper " reevaluates '' the amount of money that should be in the escrow account in order to cover the taxes and insurance. This has happened each year we have been affiliated with Mr. Cooper ( around 4 years ).  Unfortunately, each year they add in 2 months of " cushion '', which, in turn raises the mortgage payment by almost 10 % over the last year. Each time I have been able to call and state, that I do not want a cushion in my Escrow account and they have adjusted it accordingly, after much argument on their end, they eventually do it. 

When this came around this year, I waited until I had time to call ( because it is always a 30+ minute endeavor ), which was today, XX/XX/2020. When I spoke to the first person, she was a Loan Agent and  wanted to sell me on a refinance, which I don't need right now. Once I explained why I was calling and needed the Escrow account reduced from their " evaluation '', she said she would have to transfer me. Once was speaking to an Escrow agent, she informed me that she had no power to change the 2 month cushion in the escrow account. XXXX ( her name ), said that Mr. Cooper had just change their policy and that all customers now needed to keep that 2 month cushion in their accounts. I asked to speak to a supervisor immediately, since that is not acceptable for Mr. Cooper to keep my extra, not needed, money for a year and then " give '' it back to me next year. 

When I spoke to the Escrow supervisor, she checked if she could do anything and she said she was bound by the same policy ( of not changing anyone 's Escrow account cushion of 2 months ). 

We NEVER chose this mortgage company. Our VA loan was sold once we refinanced a few years ago. I have never liked that I have to call them to fight for my own money. I feel like those people who don't understand Escrow, may just continue to pay what their asked & not question, or even know to question that they are keeping extra money. 

Can you please help me in unmasking this unfair practice? 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed over 4 separate letters with XXXX, Transunion and XXXX   each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card

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 2020-08-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: CA
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 recently looked at my credit report and found 1 fraudulent account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
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: Account status incorrect

Complaint:
All inquires on my credit report is incorrect

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2020-07-08
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 unemployment is on my Way2Go card and I still have not recieved my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Trident Asset Management, L.L.C.
State: NV
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:
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Knight Adjustment Bureau
State: NV
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:
As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Equifax in XX/XX/XXXX requesting that since the following two addresses, listed by Equifax, as former addresses are locations where I have never lived, they should be removed from my credit report. I had become aware of the errors because I failed identity verification with financial institutions who relied on the incorrect information : XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX, XXXX XXXX, IA XXXX. 

On XX/XX/XXXX, Equifax responded saying they had reviewed the disputed addresses and deleted them. Imagine my surprise in XX/XX/XXXX, when I again was asked about one of the addresses as part of a identity verification on my brokerage account. I failed the identity verification and my account was frozen and I was unable to pay from that account a bill that was due. 

I checked today and the erroneous information is still in the record. I also noticed on the same page that my current employer listing is 31 years out-of-date. 

See attached XX/XX/XXXX response from Equifax stating the incorrect addresses would be removed. See attached XX/XX/XXXX report page with the addresses still in the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector reported to credit bureau in XXXX. I successfully disputed debt. Then month later reported it to a different credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account 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 2020-08-21
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:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

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 2018-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted by XXXX XXXX, or XXXX XXXX and XXXX regarding an old credit card account. They left a message saying they would be filing legal action against me for an old charged off credit card debt with HSBC bank. Called them back and spoke to XXXX XXXX, who told me that I opened an account with XXXX XXXX XXXX Rewards Master card in XXXX, charged off in XXXX, and the last activity was in XXXX. The told me I owed XXXX on the credit card, and the total was over 2K with penalties, fees, and interest. He told me it was being reported to the credit bureau and would ruin my credit score. I have never had a card with this lender or bank. He provided some detailed information about my current credit history including current and past address. I was divorced in XXXX, so I thought maybe my ex wife took a card out in my name, which she has denied. They have called multiple times from an unknown number with a call back number of XXXX. To date, I have nothing showing on my credit report, or anything in writing. He attempted to have me pay off the XXXX in full and had the bank 's authorization to do so, he says.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX  which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to XXXX which I have a paid service, it shows XXXX, XXXX XXXX, Transunion XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/XXXX when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act. 

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.

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 2017-03-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account was subject to fraudulent activity which resulted in my bank accounts being submitted to check system.

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
Consumer complaint received 2018-07-03
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation