BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a Notice of Transfer of my Mortgage Loan on XX/XX/XXXX to Mr. Cooper ( formerly Nationstar ). I did not receive a Notice from Mr. Cooper as they did not have my correct apartment number. I called the number on the transfer letter and set up my account and corrected the address. I have since received a delinquent tax notice from the XXXX XXXX  XXXX XXXX  XXXX  the taxes are past due as of XX/XX/XXXX and to submit by XX/XX/XXXX {$2200.00} including interest of XXXX. 

I have messaged them 4 times prior to XX/XX/XXXX and asked for confirmation. I emailed a copy of the tax bill to two different email addresses. The online site has one email address and the telephone message has another email address. I have attempted to call this evening XX/XX/XXXX and have been on hold for 1 hour before giving up. 

I spoke briefly to a XXXX at customer service ( 30 seconds ) and told him I was calling about my taxes not being paid - he then responded " you are calling about your insurance '' and I said NO, my taxes. He then put me on hold and then disconnected me. 
The phone keeps repeating thank you for your patience. The Mr Cooper site states " rest assured your taxes will be paid on time ''. 

This company should be fined for their practices. My escrow is sufficient to pay the taxes and they have failed to pay them on time - even with all my followup. 

Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is reporting medical bills on my report that do not and can not belong to me. I have disputed the information but they have taken no steps to correct the errors

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 2017-05-23
Company: Mobiloans, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they removed this info. from my credit report without my permission which is in good standards.

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 2022-04-13
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:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A company called Credit Karma says I have outstanding approval odds for certain credit cards or loans but after I applied I was denied. Also, Credit Karma said it was a soft pull and would not hurt my credit score to apply for these offers, however my score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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 XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-13
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:
1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ). 

Please investigate and delete these false disputed accounts.

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 2020-04-16
Company: ALLY FINANCIAL INC.
State: TN
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:
Ally Bank continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Eastpoint Recovery Group, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe this is a scam, but have no way to confirm. I was contacted three times by XXXX at Eastpoint XXXX. On all three occasions, she called my employer phone number. 

The first was on XX/XX/2020 and went to voicemail. XXXX left a voicemail, no last name, no company name stating that she needed to talk to me about a " claim filed against me '' and requested I call her back. 

The second was on XX/XX/2020 and went to voicemail. She left another voicemail, this time stating her company name as Eastpoint. Calling regarding the " allegation pending against you in my office '' The third was on XX/XX/2020 and I was able to answer the call this time. I told her that I do not have a unpaid debt. She referenced an upgrade loan in the amount of {$30000.00}. 
I informed her that if it is legitimate, please send official documents to my home address via USPS. She said they already have. I have not received any documents. I informed her that I believe this to be a scam and instructed her to stop calling. 

I do not have a {$30000.00} upgrade loan. I've pulled my credit report and there is no delinquent debt on my account. I believe it is either a scam or they are calling the wrong person. I don't know how to stop the calls and/or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Conventional with PMI mortgage.
SunTrust Mo  rtgage  / Loan officer   XXXX   XXXX .   I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio.   I have called the local branch and was told  XXXX   XXXX  no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored.   My appraisal document shows the appraisal at  XXXX  and the  appraiser  states that is on the low end of a scale between $  XXXX .and {$540.00} My original loan amount (  XXXX / XXXX /   14  ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale.   No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.

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 2022-09-08
Company: EQUIFAX, INC.
State: TX
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 XXXX OAG CHILD SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX OAG CHILD SU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-30
Company: Exeter Finance Corp.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

Exeter Finance was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/2019. these were also errors As a XXXX  trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.

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 2021-09-24
Company: LAND HOME FINANCIAL SERVICES
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was talking to my realtors lender and giving her my information to get a Pre-approval to put a contract on a home. This lender with Land and Home financial then proceeded to run my credit report without my permission, putting a derogatory mark on my credit report. This credit report should not have been ran until a contract was accepted and I was in the process of getting approved for the loan. My credit will now have to ran again when a contract is accepted on a home. This lender did not have my permission to run this report and I actually requested it not be ran and she did it against my wishes.

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 2015-05-05
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to XXXX will not do anything to correct the situation. I have notified the Credit Reporting agency and XXXX XXXX and nothing has been done in over 2 months. Please Help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and received an email within a few minutes stating the tax lien was confirmed as mine. I added a statement to my credit report stating the tax lien was not mine. I can not buy a house until this tax lien is off my credit. I wrote a letter to the tax lien and never received a response. I need this item thoroughly investigated so it can be removed from my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have tried several times to close my account with this service provider, but to no avail. There is no online option to close to account. When I call their customer service center, they handle me all the way to the point where they need to close the account, and then " by chance '' drop the call. When calling again, I get the runaround and am unable to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX placed a hard inquiry on my credit report. I have never worked with XXXX XXXX or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

Santander XXXX  is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my XXXX XXXX. Things like this on my report will only make it difficult for me and my future family to progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 XX/XX/XXXX and XX/XX/2019 two hard inquiries were placed by Capital One Auto Finance ( Coaf Finance ), I hard bought a car from XXXX and the company mentioned to me that I will only have one inquiry from my auto loan bank not two. But capital has two hard inquiry for one car that i bought through them. As a XXXX  XXXX  of XXXX  I am just getting started into the business  world and with bad hard inquiries that cant be resolved on my credit report it will be very difficult for me to be able to fix my score and get a chance to someday start my own business.

Company response to consumer: Closed with explanation