BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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 brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance  : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my credit report and noticed two collection accounts from LVNV Funding LLC for the amounts of {$1200.00} and {$540.00}, so I sent the company two debt validation letters concerning the accounts that aligned the FDCPA. I requested the following information : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and address of alleged creditor.

6. Name on file of alleged debtor. 7. Alleged account number.
8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

I mailed the letters on XX/XX/2023 and saw that they were delivered on XX/XX/2023 via the tracking information. On XX/XX/2023, I received a " debt verification '' letter from Resurgent Capital Services for the account amounting {$540.00}. That letter didn't contain all the requested information proving I was the account owner and they were legally allowed to collect on it. I didn't receive adequate information for items 1-4, 7, and 12-14. I've included copies of both letters I sent and what I received so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened an account with XXXX in XX/XX/XXXX. After the final payment in which I paid. When I pulled by XXXX credit report on XX/XX/XXXX I was a balance of {$320.00}. I wrote a letter to XXXX asking them to provide me with " Validation '' on this balance along with when I became delinquent. 

I never received a response, so I sent them a second request via certified mail again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX I've never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: LA
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 my multiple requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been speaking with Chase Executive office since my vehicle was seized. They have waited until the last minute to find a resolution. The vehicle is due to be sold this week because they have stalled through this process since XX/XX/XXXX. I was told that we could reinstate the loan on a document that is called the notice of sale but when I called to discuss that information they informed me that Chase did not mean to state that they could reinstate the loan. It had to be a misprint. Then the rep hung up on me. So I have called back several times. I was told by the Executive office that tow trucks can use objects to unlock the door to a vehicle if needed to obtain possession of the vehicle which violates that consumer law that it should be done peacefully. On the contract that was signed it also states that a repossession has to be performed peacefully as well. In the state of LA, the judicial process allows the bank to reposes the vehicle without judicial process but the bank has to notify the debtor in writing before the repossession. Also there has to be a document filed with the clerk of court in the parish where the debtor resides prior to repossession of the movable vehicle. Which was not performed in coordiance with the state law. Also, on the TIL documents it states that there is no cooling off period. XXXX XXXX states that any consumer has the right to rescind or cancel their contract at will. Also, on their contract that was signed it stated that it states that they ( JP Morgan ) they have to abide by Louisiana law and do the repossession peacefully. Also, the representative stated that they filed the documents in the parish where the vehicle was taken not where the vehicle was filed which was in XXXX XXXX. There has been inconsistent answers and cover ups for the way this who process was taken. If the vehicle was charged off in XXXX, why would you repossess the vehicle in XXXX without notification. The Mortgage fee that is placed on LA vehicles requires that lienholders file documents with the court and/or state for the purchase of the vehicle. Which means they have to abide by those laws as well. In signing the contract in XXXX of 2022, I was told Chase financed the vehicle with 90 days before the payment is due. According to my files, my first payment was due the very next month XX/XX/2022 which makes the contract void because of false representation under a retail sale contract. Lastly, I was told by Chase that they never received any payments towards this account. I have proof where payment was taken but never accredited to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.

Company response to consumer: Closed
Consumer complaint received 2023-06-06
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information are erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$5100.00} ; DEPT OF ED / XXXX XXX Opened XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$4900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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 non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
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 ONLY name is XXXX XXXX XXXX and any other addresses besides XXXX XXXX XXXX XXXX XXXX, IL XXXX should be removed. I am not self employed. I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my 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 2023-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm sick and tired of filing complaints on here to Equifax and they are lying to me and to the CFPB. This is the second time I file a complaint about fraudulent inquiries on my credit report and they respond that those inquiries have been removed from my credit and are still there, now because they are not fixing it they blocked my account online. I will include screenshots of everything. If this doesn't get fixed right away I will hire a lawyer to sue Equifax. The report was on XX/XX/XXXX and still shows the inquiries. 
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 2023-06-06
Company: EQUIFAX, INC.
State: LA
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 are names and addresses reporting that dont belong to me. 
there are closed accounts reporting after 7 years. 
there are inquires that report that I dont know about. 
there are accounts reporting differently between the reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and I noticed numerous inaccurate inquires, accounts and information on my credit report please check the attachments listed in this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
I have no knowledge of this alleged debt and request extensive proof of debt. This is an XXXX 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Account number Mr COOPER - XXXX property address XXXX XXXX XXXX, XXXX, Ga XXXX, In XXXX was refinanced into a predatory interest only loan. It has now recasted and my XXXX dollar loan is now a balance of XXXX. I requested modification and they have advised Me COOPER formerly Nationstar who took over servicing the loan that it is a predatory loan and they have failed to take action against XXXX XXXX and help me. I applied for the modification but my payment went up not down so it intentionally causes me hardship and suffer no help me. My {$800.00} payment went to {$2400.00}. I made the first payment of the modification in XX/XX/XXXX and when I went to make XX/XX/XXXX payment that was due by the XXXX of XXXX they would not let me pay over the phone on the automated service, they would not let me pay online, and when calling the hold times were over an hour each time to try to get a rep to answer and did not offer automatic ach. Now their policy is if you miss one trial payment you cant apply for another XXXX mo even if your financial or medical situation has changed, therefore people lose their homes because you cant reapply as Georgia is a non judicial state and they can take your home in less than 120 days. I want out of this interest only XXXX subprime loan from XXXX. Their policies are causing me to lose my home and I am requesting the stop of the foreclosure. The interest accrued of over XXXX. I requested a 30 year loan to bring the payment lower they refuse to work with me. Please step in as I should only be responsible for the original loan amount I was not aware it was interest only at the time. The investor needs to reconsider and stop the sale date and Mr COOPER should not have a policy that if someones situation changes that they have to wait XXXX mo to reapply. Please investigate and hold them accountable for for internet finally causing harm to me to lose my home by ignoring g the fact they are aware its a predatory loan. Whenever I call the modification department they refuse to consider any options to reduce payment and have only increased it. I want to stay in the home but it is in their best interest to issue a forbearance or put it on hold and I can try to XXXX it in XXXX mo or reapply for another modification. In their modification department they refuse to try to help me and have disc outages me at their team level supervisor guiding them to tell me that their is no point in reapplying and giving their personal opinions saying it will get rejected. This is not helping me as a consumer. If a foreclosure goes on my credit thru will be liable for defamation of my credit because they are not proactive in modifying my loan or reinstating the modification offered. How do you go from XXXX a month to XXXX. This is supposed to be a hardship assistance and it is the opposite. It is causing me harm with this predatory interest only loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: WSFS FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i sent a letter to you stating that my mortgage principal balance is not going down. the owner of my loan states they don't make decisions on loans. after that i contact XXXX XXXX they say they don't make adjustments on loans. i'm confused, who do i go to for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX in XX/XX/2022, that caused me to fall behind on my mortgage however I have been trying to get current since then. I want to stay in my home. I just need assistance to get everything current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the victim of stealing {$190000.00}. 
Bank of America , N.A . ( BOA ) has created the document by name SCAM VICTIM ACKNOWLEDGMENT with false information. 
BOA made a statement they allegedly COMPLIED WITH MY INSTRUCTIONS TO CONDUCT THE TRANSACTION! 
It is not true. I never gave any authorization to transfer my money, never initiated any transactions. I do not know Recipient 's Bank : NY XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX 
That is why BOA did not even immediately change my debit card and did not close my existing account and did not open another one. 
That is why the Recovery Effort is their allegedly VOLUNTARY ACCOMMODATION and is NOT AN ADMISSION OF ANY LIABILITY BY BOA! 
I hope we can prove BOA executed the transaction without my authorization. 
I kindly ask you to help me return my money back. And recover my funds. 

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 monetary relief
Consumer complaint received 2023-03-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX homeowners contacted their mortgage servicing company Loan Depot with the inquiry to take equity out of their current home to pay debts and add escrow account to loan. Licensed Lending Officer, XXXX XXXX stated he could help with the refinance and place debts on the home instead of taking money out. Homeowners stated they would only agree to a refinance if the payment was affordable and interest was not too high. 

Homeowners mortgage as of XX/XX/XXXX was $ XXXX/month ( not including escrow XXXX 3.375 %. 
Homeowners agreed to the following new terms $ 3,575.70/month ( including escrow XXXX 4.875 % in XX/XX/XXXX. Difference of {$1000.00}. 

Homeowners received an XXXX Account Disclosure Summary on or around XX/XX/XXXX. In the notice Loan Depot stated that there is a negative balance in the escrow account and a new payment of {$4200.00} is due as of XX/XX/XXXX. This would bring a difference of {$1600.00} from the XX/XX/XXXX loan. Homeowners would have not agreed to this deal as it was financially impossible based on income to debt ratio. Licensed Lending Officer, XXXX XXXX still " pushed this through '' ( via text ), with the knowledge that homeowners could not afford the {$4200.00} payment. 

On or around XX/XX/XXXX homeowner called Loan Depot and the representative stated, " Loan Depot estimates the escrow account and then modifies it later ''. 

Loan Depot and it's employees were aware of the correct property tax and insurance amounts. See attached closing docs : page XXXX, section F & G. Escrow estimate should have been closer to the figures stated on page XXXX. 

Loan Depot, XXXX XXXX ( Licensed Lending Officer ), XXXX XXXX ( Senior Account Manager ), and the underwriter intentionally and grossly understated the escrow account in order for homeowners to qualify and agree to the new mortgage amount. See page XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Account information incorrect

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 response to consumer: Closed with explanation