BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
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:
Freedom continues to provide an inaccurate payment history which is needed for my current refinance. I have spoken with Freedom on numerous occasions to resolve and they continue to provide an inaccurate payment history. 

Freedom responded to my previous complaint citing the following : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the information being delivered to the credit reporting agencies ( CRAs ) for your XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX payments, as well as your XX/XX/XXXX payment. After review, there is no issue with the way these months are being reported. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. XX/XX/XXXX was paid late on XX/XX/XXXX. All three payments were paid late so they are being reported accurately. After your XX/XX/XXXX payment of {$1600.00}, there was enough money in your unapplied funds account to make a second payment, satisfying your XX/XX/XXXX payment and bringing your loan current, so XX/XX/XXXX was reported current. XX/XX/XXXX was paid on XX/XX/XXXX and XX/XX/XXXX was paid XX/XX/XXXX so these three months were reported accurately as current. If you have proof from your bank that you made more than one payment in any of the months above to bring your account sooner, please submit it so that the issue can be reviewed further. If you have questions, please feel free to contact us at ( XXXX ) XXXX Monday through Friday XXXX to XXXX and Saturday XXXX to XXXX XXXX XXXX. Very truly yours, XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ 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 2019-05-14
Company: EQUIFAX, INC.
State: IN
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:
Equifax reported account right then turned around and changed it to report wrong and decreased score 49 point. The account is paid and I want my points back. It was their error.7

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are inaccurate and should not be on my credit report, I demand to have them 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 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  account on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

Experian 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 2022-07-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX, and paid Nationstar 's demand of me, which was overstated. 

I never received a final payment history in XXXX, and when I did in XX/XX/XXXX, Nationstar allocated {$2800.00} in lines XXXX of my account history. See attached. 

8 years later, on XX/XX/XXXX, Nationstar 's counsel provided me with an XXXX spreadsheet in response to my request for a final account history, after settling the matter in XXXX XXXX XXXX XXXX in XXXX XXXX, Nationstar changed the payment allocation of my late fee payment deleting XXXX entries amounting to {$2800.00} to a new XXXX entries totaling late fee payment was made of {$11000.00}. 

XX/XX/XXXX, as attached, I mailed Mr. Cooper a Notice of Error for good cause see XXXX account history and XXXX XXXX spreadsheet for clear evidence in lines XXXX as to why. Nationstar failed to acknowledge the notice only having their counsel do so, and then by counsel stated there was no error, with Mr. Cooper refusing to confirm the XXXX spreadsheet or correct the facially inaccurate late payment allocation only changed in XX/XX/XXXX, to which an order preventing this complaint doesn't apply filed XX/XX/XXXX. 

This new payment allocation came after I agreed to waive prior claims, and after the company had a Judge agree to waive my rights to recourse in an ordinary tribunal or administratively through your bureau. 

The new payment allocation indicates in the 4 years XXXX  XXXX XXXX serviced my loan and the 16 months Nationstar serviced my loan, that instead of reporting the actual XXXX late payments, the mortgage file indicates XXXX late payments were made in 60 months. 

As of today, the counsel for Mr. Cooper is threatening to subpoena everything I own including bank accounts, all of my personal account records, everything because I am asking Mr. Cooper to revert their erroneous new payment allocation of late fee payments from {$11000.00} back to the amount Nationstar received of {$2800.00} that is also over charged but I gave up trying to achieve a correction in XXXX, that should state {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went online to apply for a loan in  XXXX  I was offer  XXXX  dollars. I made my month loan payments based on I was told my month fee would be  XXXX . I 'm thinking that this amount Is going towards the total amount borrowed. Well I found out today that this was not true. That amount was only paying off the 700 % interest rate on the loan which I find ridiculous for anyone! I think these Fast cash place should be shut down. They are not helping in any way, it 's all a scam and  a Rip Off. T hey flood you with so much paper work and fine print that there 's no way to understand what it is your signing up for. I think there all  Rip Offs and Prey on  people that are in need. This economy is shot to  XXXX .. everyone is out to take advantage of the less unfortunate. I do n't know how these company sleep at night taking advantage of people! It 's all a set up to get more money out of people who already need financial help. I myself will never ever borrow money from a cash place and make sure everyone I know to not borrow anything from these types of companies. This is exactly why people do n't trust the banks or any of these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to XXXX   PORTFOLIO RECOVERY XXXX, VA XXXX I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by Portfolio Recovery Associates XXXX for me, [ XXXX XXXX ], for account number Ref Id XXXX and Case XXXX ( references from the letters I received from Law Firms ). 

Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 
Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

I found out about this getting letters from Law firms offering debt collection advice. I will file an complaint with the Consumer Financial Protection Bureau about your unethical business practices. 
XXXX XXXX XXXX I called them and I have NO accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: NV
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 sent in numerous times the official document to prove my residency! I have not resided at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. There is 8 accounts on my experian that is attached to that address. Official proof of residency documents can be : Current official document with your name and address This information can come from a number of documents, but is necessary to proving where you live. A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. I have sent in XXXX XXXX file showing that address is not on my file. XXXX XXXX XXXX XXXX, XXXX, ohio XXXX has been deleted from XXXX XXXX for over a year. I sent experian that information a long time ago. I have sent in my passport, credit card statements, social security card, police report, and ftc affidavit and experian refuse to remove this erroneous address and the accounts that is connected with that address. The accounts connected to that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and fingerhut. Experian " verify '' was a LIE! The information was not verified! E-oscar is not verifying with the original creditor! I have reached out to legal assistance. I will be sending a copy of this complaint to the CEO of experian ( XXXX XXXX ). A consumer definitely should not have to go through this ridiculous measure when information is mixed up with another consumer. Punitive damages will be sought if this is not resolved asap! experian has all the documentation that I have sent prior to this complaint! do not send me another pre-made generated letter stating the erroneous accounts is verified!

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 2022-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX I have sent dispute letters to XXXX Equifax and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX I have sent dispute letters to XXXX XXXX and Transunion and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.

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 2017-07-10
Company: Activehours
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I downloaded this active hours app on XX/XX/XXXX maybe. It gives you money for the days you already worked and then take back what they gave you on your pay day. Well my pay day was Friday XX/XX/XXXX they were supposed to take out their {$100.00}. They were supposed to do it the morning I got paid but they did n't. I called my bank and asked if they already took they money I was informed that they did. So I went ahead and withdrew all my money because I do n't a have a debit card right now. So after I withdrew all my money I had maybe XXXX in my account. Saturday I woke up and I had a message that I had {$60.00} in my bank account I did n't understand how. Today on Monday XX/XX/XXXX active hours were supposed to send me XXXX. And they did but I called my bank and they told me that {$60.00} was - {$60.00} due to the 5 insufficient funds transactions that were trynna be made. I was confused on how I had 5 insufficient funds transactions because I did n't have no card to make these transactions come to find out Active hours were trynna make transactions with my account that I had no idea about. I was told that they already took their money so why were they trynna make transactions with my account putting me and the negatives. My complaint it they are n't really what they say they 're about. They told me three times they would change my max for me to be able to cash out more money but they never did. Not to mention you have to reach them by email you ca n't call them by phone they do n't have a phone number so you have to email them so it takes days for them to reply. I just do n't like this company and I will be removing my information from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi! I have been trying to get this XXXX XXXX  Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX  XXXX bankruptcy in my name years ago. It was listed on Equifax. I disputed them and Equifax removed it. However XXXX and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus.

In Accordance with Fair Credit Act Credit Chapter 7 bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payment status reported on XXXX XXXX XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the companies transunion and XXXX  are showing my adverse information without my consent, harming me for the acquisition of services or goods

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 2019-06-07
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX XXXX is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged

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 2019-06-07
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX credit card is reporting me as having a balance when it should be no balance, this is included in chapter 7 Bankruptcy that has been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-03-24
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex was helping with credit repair and kept my information and got a ACIMA account in my name that I wasnt aware of until it showed up on XXXX account

Company response to consumer: Closed with explanation