BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
My modification should be over. Mr cooper said it was with the VA now. I spoke with the VA days ago and they said they already did their part. I spoke with them directly. Its in mr coopers hands now. They were supposed to have escalated this. They received my modification signed paperwork back about 4 months. Its ridiculous how long Ive been waiting. Also Ive made 3 months of payments already since sending The mod paperwork back. Im looking to get a new loan asap for another place and Im stuck until this is sorted. 
My time is being wasted with me having to constantly call with no one knowing what is going on or lying saying its with the VA when it clearly is not. This needs to be sorted soon. 



I dont have time to call and go through the phone menu everyday and no one has given me an extension to call my rep listed in my message responses on your site. Nor has anyone responded from messaging to Mr coopers email addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-25
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Equifax was breach and admitted to my information being stolen back in XXXX. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: LTD Financial Services, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I left my apartment on XX/XX/XXXX. 
It is the XXXX XXXX  located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX  I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove 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 2020-01-31
Company: EQUIFAX, INC.
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


ACCOUNT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: NJ
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:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
For my Capital One account I am showing a late payment from XX/XX/2019. I reached out to Capital One before the payment was due and made an arrangement. The associate gaurntees that this will not show as a late payment and it has. I have attempted to dispute this with the credit bureaus multiple times and they will not update it. I have recently sent a letter to them asking that they remove it and they still refuse. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this compliant is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: MortgagePros, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have received over XXXX unwanted phone solicitations today from Mortgage Pros XXXX. They use over XXXX different numbers so it's impossible to block them. I have asked at least XXXX representatives not to call here and told them they do not have permission to call me. The last representative said too bad he is going to keep calling. I hung up then he immediately called me 4 consecutive times. I have never seen such targeted harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed up for PSLF back in XXXX and have made well over 120 payments yet my total still says only 75 payments in the portal of my servicer. 

I consolidated in XXXX and was told that all payments made prior to the consolidation do not count. I was never made aware of this when I consolidated my federal loans. 

My original loan balance was $ XXXX but now it is over XXXX XXXX dollars due to compounding interest. I have consistently worked for a nonprofit since XXXX and always made my payments and completed all necessary PLSF documentation. I detrimentally relied on this program when choosing a profession in the nonprofit sector. 

As you will notice that from XXXX to XXXX payments were adjusted to {$0.00} yet the servicer is refusing to count these 60 payments. I have attached the payments that the servicer is refusing to include.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX foreclosed on my property, they were granted foreclosure due to my attorney XXXX XXXX. in XXXX NY neglected to perfect a response for 10 months. 
I entered into a modification agreement with XXXX XXXX whom XXXX transferred the foreclosure summary to. 
I honored the agreement and have made 7 payments on time. there was {$2.00} shortfall on one payment due to bank error on a check for {$2500.00}. FCI lender services over charged my account {$160.00} for that. Also, if FCI Lender services had the proper licensing from servicing my mortgage from 2015. 
I have yet to receive a executed Modification agreement or removal of lis pends on my home.. 
Further a QWR was requested over 30 days ago, I have yet to receive proper information

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 2019-12-06
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are currently in Chapter XXXX and making direct post-petition payments to Fay Servicing. We are current on all Chapter XXXX payments, and approximately one year ahead of schedule in playing 100 % of our obligations and on track to complete our repayment plan by early next year. 

Fay Servicing added {$11000.00} in alleged " Overdue post-petition payments '' to our most recent statement. In XX/XX/2019, the Fay Servicing statement showed {$0.00} in Overdue payments. We have paid the full amount due on every subsequent statement. Fay Servicing refuses to speak with us or explain the source of the sudden alleged overdue payment figure. They are demanding payment which amounts to approximately 2-1/2 times our contractual monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on 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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Good morning, I applied to the Chase XXXX XXXX Membership Credit Card XX/XX/XXXX around XXXX. The reason for applying is because i was booking a stay at XXXX XXXX XXXX for an event on XX/XX/XXXX. While i was on the check out page, to the right side under " total charge for room '' right under that, was a second box with bold " Earn {$300.00} in XXXX XXXX, plus XXXX Bonus Points '' and then it has this : Price For Stay : {$1100.00} XXXX credit : - {$300.00} Total After XXXX credit : {$840.00} XXXX applied and got approved for {$18000.00}. I call Chase to see how I can use this specific card for my Hotel Stay as advertised and I am told that I can not use it until it arrives. I am okay with that, I call chase again the next day to expedite the card as customer service suggested. When I call, the credit specialist tells me that the soonest they can ship it is in 7-10 business days. I can't wait 7-10 business days because my event is in 2 days. The advertisement is misleading, telling consumers that they will be able to use that credit card toward their CURRENT purchase. I don't stay at XXXX, I would have NEVER applied to this Credit Card if it was not for me being able to use it on THIS hotel stay as they advertise. Now I am stuck with a XXXX Credit Card that I will not be using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I Used XXXX XXXX via XXXX to pay XXXX ( XXXX XXXX ) Transaction number : XXXX The payment was for the first month rent and security deposit for an apartment listed on XXXX XXXX. The supposed " owner '' of the property was XXXX XXXX XXXX phone number ( XXXX ) XXXX. It turned out to be a complete scam. XXXX and XXXX have no connection to the apartment or building address. 

XXXX opened a XXXX fraud investigation case, but there is nothing more they can do to get my money back, or at lease FLAG the XXXX XXXX account as a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 , XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX BANK XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXXI XXXX XXXX : {$58000.00} ; XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX CARD XXXX Balance : {$5800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00}.

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