BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We need help. 

Husband and I have sent now 4 messages by email and through the portal on the Mr. Cooper website. Our loan was originally serviced by XXXX never had any issues, but it was sold by XXXX to Mr. Cooper and we have had nothing but problems. They continually are impossible to get a hold of and do not respond to any of our messages asking for specific details about our escrow account. We need you help to have them answer our specific questions as the math they are provided does not add up. Further we have been charged late fees by XXXX XXXX XXXX tax due to their incompetence amounting to over {$250.00} and now they are saying we need to pay an additional almost {$410.00} because of their miscalculations to our escrow account. We can not afford this. It is absolutely awful what they are doing. And the math does not add up. We have asked many time for them to contact us by email but we are continually ignored. We are very concerned as this lender as many lawsuits related to mishandling of mortgages and particularly escrow accounts in the past. 

Our tax amounts have not changed. On XX/XX/XXXX we have a {$94.00} surplus per letter they sent. Now just a few months later ( again no changes have been made by county tax office ), they are saying we have a deficit of {$5000.00} on XX/XX/XXXX. The numbers make no sense. 

We have asked repeatedly by phone, email and the customer service portal to speak with someone in leadership to have our account properly reviewed and our questions answered directly by phone or email. But for months we have been ignored. 

I am attaching a copy of these escrow statements as well as a copy of the original email I sent that still hasn't been responded to since XX/XX/XXXX to customer service and a XXXX. 

Look forward to hear back very soon. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FIRST ADVANTAGE CORPORATION
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed with the Trade Commission out of XXXX Colorado where my Identity has been stolen and has in fact SSI number was being used all over the U.S., as well as finding that my device, computer, phones, emails have been hacked and compromised. Large purchases have been made from email accounts which I have not made or created. money on employment pay debt. cards all with-in last five years half or all money has disappeared I filed a report with the FBI. Back in 2020 I had a book I have written and copyrighted XXXX XXXX  were made to XXXX XXXX XXXX  in New York, XXXX XXXX, there after my brother XXXX XXXX XXXX a police officer stolen my book from the evidence lock from XXXX XXXX police station which XXXX and past employers ( Bosses ) at last 3 jobs ended up with it books passing it back and forth selling it on -line ... which was file back in 2020 with the FBI .... case number was given XXXX XXXX XXXX was reprimanded, disciplined and or later fired ( uncertain ) ... since then my Birth-Certificate all my Identity was being stolen at 4 different time with different address and information and all my email even my XXXX XXXX account has all disappeared plus my XXXX file my XXXX XXXX XXXX and files have disappeared. and the fraud continues today worst even houses for last 5 years have being robbed completely of all it contents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I did an ach deposit from XXXX XXXX  and XXXX ( envelope money ) into Capital one. They have held my money {$2200.00} hostage for XXXX XXXX  months now and won't do anything to release it. XXXX has reached out to capital one multiple times and capital one wont work with them. I guess the next step is to get a legal team involved and will sue Capital One for holding my money hostage as causing life problems because I can't get my money. They never answer the phones when I call and make me leave a message and never contact me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : XXXX XXXX XXXX The tradeline reported by : XXXX XXXX XXXX Can you please remove this potentially negative item off 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 2023-05-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian reported my credit as " fair '' and my Lender pulled back my LOC impacting the cashflow of my company. My Bank ( XXXX ) reports my FICO score as XXXX via XXXX, and that is correct, as I owe {$0.00} -- I pay all credit cards off monthly and am currently in the top 10 % of earners. Experian won't reveal the information that they say I am late in paying ( 2 accounts ) and they won't answer the phone. I sent a note in. But these are urgent issues that if they are going to lower someone's score over XXXX pts, they must ( a ) reveal why, and ( b ) be ready to explain on the phone. Escalating this issue to you to regulate as this destroys small businesses and I've had issues with Experian mis-representing my credit score in the past. Thanks for the help,

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 2023-05-30
Company: Arivo Acceptance, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. ARIVO ACCEPTANCE LLC XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: DISCOVER BANK
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:
From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Spring Oaks Capital, LLC
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:
I have asked this company to provide any information showing that I ever opened an account with them. All requests have gone unanswered. They are showing I owe them {$880.00} under account number XXXX. I've never done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good day from XXXX Called XXXX XXXX XXXX twice between XXXX and XXXX multiple transfers and no one knows how to complete my request : Cancel the u.s. bank secured credit card application submitted on XX/XX/XXXX. It has not gone through yet and I have already submitted to a better online offer. 

I AM NOT calling them back. I have no issues since opening the account. JUST THIS ONE They have 2 days to fix or the acct is going down on Friday XXXX. An additional complaint was submitted with the XXXX today.

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 2023-05-30
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've sent letters and called disputing inaccuracies on my consumer report back in XXXX and in XXXX ( this year ). I have yet to receive a copy of my credit report reflecting requested changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: National Credit Systems,Inc.
State: MS
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:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  and all known subsidiaries repeatedly opened up fictitious loans against my property with identity theft and loan fraud, using government employees and fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 told XXXX, Transunion, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-02-18
Company: Turning Point Solutions LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for a debt this company claims I own. I am not responsible for the debt advance capital solution claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, nor the original creditor. Apart of that this company dont have any license in Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Army and Air Force Exchange Service
State: GA
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 with the Fair Credit Reporting Act, The reporting of the Account listed as : MILITARYSTAR  XXXX on my XXXX and XXXX Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.

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 2023-05-30
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX. We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have XXXX XXXX and XXXX insurance in Florida. Shortly after moving to CA we asked XXXX to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with XXXX and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Credit Karma, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I could not access my credit karma account due to an unauthorized and unrecognized email, XXXX. I could not cancel the account or speak to customer support about this issue. I need assistance as soon as possible on what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, i applied for a XXXX loans with JPMCB Auto Finance, which they denied my the loan, however, once i review my credit history the loan was granted to someone but me the consumer. My rights was violated 15 U.S. Code 1691 ( 3 ). XXXX XXXX, and manager phone me in XXXX to ask me what will i be doing with ALL that money and the bank could not grant me the loan. I explained told XXXX XXXX XXXX and his manager that Banks do not loan money. He told me no but the shows the funds with approve from my Cestui Que vie trust account. Identify theft and embezzlement. I was approve due to my autograph as a promissory note. ( Truth in Lending Act ) UCCC 3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. First Nat. Bank v La loie ( Okla ) 537 P2d 1207, 86 ALR3d 309. 
PROMISSORY NOTE written promise to pay, frequently used in installment loans and commercial loans. A promissory note is the legal evidence of a debt, a promissory note may be transferred to a third party as a NEGOTIABLE INSTRUMENT. The holder of a promissory note who wants payment before the maturity date can negotiate it by endorsing the note and presenting it to the payer for payment. See also ACCOMMODATION PAPER ; NOTE ; ORDER. 

They are in violation ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: LEXISNEXIS
State: MS
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:
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section 807 of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the TERA program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BMW Financial Services NA, LLC
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:
Report Number XXXX BMW Financial Services There is an account from BMW Financial Services on my credit report. I have continuously tried to dispute this account with XXXX. Each time they continue to verify the account and keep it on my credit report. I have spoken with BMW Financial Services a number of times and they are not able to find an account for me. It is hard to fix this, because XXXX is able to verify an account that I am not able to verify with the original creditor. 

When I call BMW Financial Services and give them the account number, they inform me they are not able to find my information on the account that XXXX is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. XXXX needs to fix this.

Company response to consumer: Closed with explanation