BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I received email confirmation from Mr. Cooper stating, " Thanks for your recent payment. We posted it to your account on XX/XX/2020. ". See attached email for a print out of email. 

Later that month, I received my XXXX statement confirming the XXXX payment has been made, see attached. 
On XX/XX/2020, I received text from XXXX, that read " Mr Cooper Loans. Sensitive Alert 1-pay o
nline www.mrcooper.com 2-pay via phone at XXXX. " We are a debt collector. '' To OptOut, reply, " stop '' ''. 

On XX/XX/2020, I called Mr. Cooper and inquired about the a text message from a debt collector. The rep stated the text was not from a debt collector, rather it was from Mr. Cooper about not receiving a payment for XX/XX/2020. I was surprised and explained I received email confirmation the XXXX payment was received. They explained the payment was not made. I made the payment to get in good standing. Given I received formal communication from Mr. Cooper - email and statement - I asked they not report it to the credit bureaus. They said they will look into it. 

There has been not communication from Mr. Cooper and my credit has been affected. 

Given the repeated confirmations from Mr. Cooper that my XXXX payment was received and posted ( email and statement ), I am asking for this to be removed and my credit history corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have on many occasions reached out to First Guaranty Mortgage Corporation ( FGMC ) to resolve the mortgage issue. I had my mortgage refinanced through FGMC. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. FGMC is very confusing. FGMC did not service my loan. They had another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to be in charge of my loan. At first I was working with XXXX XXXX XXXX and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, and XXXX/XXXX/XXXX. I never had a chance to work directly with FGMC. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has First Guaranty Mortgage Corporation as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with XXXX and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from XXXX to XXXX XXXX without even being notified of my status with XXXX. This is very frustrating and the lack of communication is not professional as well.

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 2022-09-11
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:
My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, Equifax, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-06-15
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I responded to an email offer for a   XXXX   XXXX   XXXX ,  the email offer clearly stated that there was not an annual fee for the card.     However, they are billing me {$99.00} in installment fee 's for the annual fee, that I was advised I would not have.     I called the presidents office for  XXXX  cards and spoke with  XXXX   XXXX  ext  XXXX  she advised me she would check in to it and call me back on Monday  XXXX / XXXX /  XXXX   Her call was never received, and I have not been able to reach her again.

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 2022-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a Everyday call.They have been told to cease and desist any further contact with me. This account is over 25 years old that they are harassing me over. This Portfolio Collection They call Everyday any were from XXXX til XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.

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 2020-06-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
{$2000.00} unpaid for XXXX  property taxes from escrow by Freedom Mortgage Company. Notified Mortgage company via phone between XX/XX/XXXX to open ticket. Checked status and sent details regarding delinquency and detailed tax office info again via email XX/XX/XXXX. Checked status via phone and sent another email XX/XX/XXXX and XX/XX/XXXX Each status check, notified by Freedom Mortgage they could not reach our tax office/no response from tax office, still waiting on info, and would provide a status update in 3-4wks. Contacted tax office who reports they were never contacted by the Mortgage Company each time. XX/XX/XXXX they were given the Tax Appraisal accounts manager direct email address to get this resolved and as of XX/XX/XXXX they had not attempted to contact her, but reported they did " try '' to contact the Tax Office. I was confident that the tax office wasn't the issue so I sent email to tax office and mortgage company. Tax office promptly responded ( as expected ) and still no updates from Freedom Mortgage ( as of XX/XX/XXXX ). Freedom has had all required information to make payment as of XX/XX/XXXX. I am delinquent on my taxes despite never being late on a single mortgage payment EVER. After a friend complained he was having problems with getting his home insurance paid from escrow and told us he ALSO goes through Freedom, we did a quick search. It appears this company is natorious for this type of behavior. I have owned 4 houses/4 different mortgage companies and NEVER had this issue, until now. This company has called me at least once a week to refinance but can't call once a week to get this taken care of. I do NOT recommend Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
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:
XXXX is refusing to put a freeze on my credit report! And XXXX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and XXXX continue putting untrue information on my credit report concerning COMMUNITY LOANS SERVICING THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
XXXX EXPERIAN XXXX ARE REPORTING USDA 2 times ISDA IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING USDA 2 times this is fraud USDA LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!

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 2017-06-15
Company: REGIONS FINANCIAL CORPORATION
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:
XXXX   BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of  XXXX  and  XXXX   2017 , while the original card was in our possession. Once we received monthly statement of charges from  XXXX , we promptly reported the fraudulent use to  XXXX  on  XXXX   XXXX , filling and faxing to  XXXX , their fraud investigation unit the form they had faxed to us.   It took more than 60 days for  XXXX  to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account.   We have called the customer service of  XXXX  and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties.   This absurd and abusive practice  be one of th e biggest oil companies in the United States.

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 2017-06-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained my credit report for accuracy and saw an account that is not mine. I sent a letter to the collection agency on  XXXX / XXXX /  XXXX   requesting additional information to investigate who opened this account in my name. As of today they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   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 2022-09-11
Company: EQUIFAX, INC.
State: NC
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/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX, XXXX, Bankruptcy, XXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: SIMM Associates, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today ( Wednesday, XX/XX/2018 ) I received a call from this company stating that I have been reported because of my " bad credit '' and a " unpaid debt ''. They asked me a couple of questions and even tried to get some personal information but since I was not completely sure about their reliability, I did not give much information. I search in the internet for this company but there's nothing well described. They said " they were going to reach me out again after performing a more deep investigation ''. The number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report and was alerted that there was a new collection item on there. From Phoenix Financial services. I was never sent a letter to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother got behind when my dad died. She is in an adjustable mortgage an d Wells Fargo will not work with us to get a fixed rate and bring her mortgage current.  They keep suggesting she do a deed in lieu of foreclosure even though she is only {$10000.00} behind or 100 days. She has equity in the house but they refuse to work with her. She is  XXXX   years old an d I feel they are taking advantage. I have been overpaying the mortgage for 3 months and they accept the payments

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 2022-09-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As a pervious report stated this account reported is FRAUD and yet it is still listed on me report. I have filed a complaint on two separate occasions with the FTC and the local police department. This time around I have retained an attorney and they advised me to file the complaint once more and stating the obvious involving fraudulent accounts listed on a credit report. They said they investigated but the evidence provided was a receipt that is not at all validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 requested XXXX remove the hard inquiry for both the XXXX XXXX and the XXXX as I do not recall applying for either one and I have never received a card from XXXX nor a purchased item from XXXX. 

I've also requested Transunion to remove the hard inquiry regarding the XXXX XXXX as I again do not recall applying for the card not have I received one. 

These discussions with both bureaus were had in XXXX and XXXX of 2020 with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX Credit/Flow XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XXXX XXXX  XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please see the attached documents from the CFPB portal for REMOVAL OF ACCOUNT # XXXX off XXXX Which is XXXX XXXX XXXX XXXX 

The investigation was complete and contacted the " XXXX XXXX ''. The account was removed. Therefore, what type of investigation did TransUnion conducted that is different the XXXX and XXXX??? As this is account is REMOVED from those 2 CRA 's  and TransUnion is the only CRA 's coming up with verified information, which makes no sense at all! 

Please Reference Report CFPB # XXXX, which states this account has been removed. ( XXXX Response XXXX Then Reference Report CFPB # XXXX, which states the information is accurate and verified. XXXX TransUnion Response ) My scores in the XXXX 's on XXXX and XXXX  but TransUnion is XXXX. Why??

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