BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XXXX, my loan got sold to Mr. Cooper from XXXX. 

XXXX I missed XXXX payment with my mortgage company. I was out of the country and forgot to pay my mortgage. I am still waiting for a phone call informing me of my mistake. Although they constantly harass me to refinance my house, and I have declined multiple times. 

XXXX Make the total payment of the account and put it in good standing since I had the money to do that. 

XXXX Mr. Cooper increased my payment from {$2500.00} to {$2700.00}. I called, and the second representative told me to submit my documents from my house insurance showing that I made the payments and have been with my insurer since I bought my house in XXXX. ( XXXX XXXX through XXXX ) and I have always made every payment. I have all the electronic receipts. I submitted all the documents, which were sent under review, and have yet to receive an email or follow-up information about my submission, so I assumed everything was fine. 

XXXX I called because I was trying to make my payment, but I noticed that the amount was the same, so I called to see what was happening. Another customer services representative said that my account was not allowed to have escrow because I missed XXXX payment. However, my insurance payment is paid all to XXXX. I asked to talk to a supervisor. After XXXX minutes of waiting, they hang up the phone. I called several times after, and I tried to reach someone. The call is mute, but the phone call is active. I have screenshots and a video of the phone call to Mr. Cooper. It appears to me that they have flagged me since I requested to speak with a supervisor. 

They have also assumed that my property taxes will increase by {$1000.00} when the average increase for my property taxes in the last XXXX years has been {$220.00} per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$400.00} from Creditor : NATIONAL CREDIT SYSTEMS, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number XXXX, Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am XXXX veteran exempt from property taxes. I have submitted necessary paperwork to SPS for decrease mortgage since property taxes do not apply. However, SPS has not done this since my submission in XX/XX/2023. I have made several attempts to contact SOS for assistance to resolve this issue and nothing has been done. I can not contact to escrow department and neither can persons at XXXX. 
I have always been told the process will take XXXX days but this has been an issue since XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The below accounts 1. XXXX - XXXX XXXX  2- XXXX 3- XXXX XXXX 4. XXXX  XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The below accounts XXXX. XXXX - XXXX SERVICES XXXX DESERVE XXXX DISCOVER BANK XXXX. JPMCB - CARD SERVICES are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.

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 2023-01-19
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:
Im contacting XXXX after your response to my complaint through CFPB. The complaint number submitted was XXXX. XXXX did not provide/address the complaint. Per FCRA, your company already has missed the 15 day window to provide how you investigated the account you are reporting as XXXX XXXX and it should be permanently removed. There isnt any further investigation as you already stated you are not reporting it via mail. Completely remove the account as Ive made several attempts to have it removed. 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My identity was stolen and someone opened a charge card in my name with Chase. I spoke to them several times letting them know it was fraud. They told me initially they were resolving the issue and closing the account. I kept receiving emails regarding amount due for those charges. I closed my checking account with my bank and they reimbursed the amount charged by Chase. Chase has not performed what they said they would and ignore my fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I owe XXXX $ to Sallie mae currently for a school loan and paid an amount of XXXX $ and have seemed to lose that payment even though I have statements of paying that XXXX $ that somehow went missing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$7.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: STERLING BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I own a residential building that has a first floor zoned as commercial. My loan is with Sterling National Bank The loan was for 10 years with a reset after 5 years. The loan agreement included a clause that required me to tell the bank when a lien on the property is filed. If I failed to do this, exorbitant interest penalties accrued. I was ignorant of that clause in addition the clause stated that they didn't have to inform me that interest was accruing. 

A {$400000.00} lien was filed against me with the court and the bank was named and notified at the same time! When I tried to reset the loan the bank stated that they needed more time to since they were backed up with work so I needed to sign an extension agreement. I told them that I wanted the interest rate frozen and spoke to the president of the company. He said he would look into it. 

I continued to make my payments as before ... They never told me that I owed the exorbitant interest. On XX/XX/XXXX they informed me that I owed them {>= $1,000,000}, and my loan was in default. On XX/XX/XXXX they sold my loan to some unknown entity. 

Sterling Bank lied and said that I never wanted an extension and ignored me.

My lawyers have been helpful but I believe that I have been wronged. I do not want Sterling Bank to do this to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: TX
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: Billing dispute for services

Complaint:
XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION I SPOKE WITH THEM PASS 30 DAYS AND THEY ADVISED ME IT WILL BE REMOVED IT'S NOW STILL ON MY CREDIT REPORT. 

XXXX XXXX BANK IS REPORTING ON MY CREDIT REPORT SEVERAL TIMES WHICH I SPOKE TO THEM AND SENT IN A DISPUTE LETTER AND IT'S STILL REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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 disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$26000.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} ; AD XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX 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 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 2022-11-14
Company: Experian Information Solutions 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 disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A

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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
I have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.

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 2023-03-05
Company: PNC Bank N.A.
State: PA
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:
Delete immediately PNC BANK has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). PNC still has not shown me a receipt of payment For XX/XX/XXXX XXXX not use the EOSCAR system .. PNCs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to DELETE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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