BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: E Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I was cold called by E Mortgage Capital to apply for a home refinance. Due to a professional mistake, I was put on the XXXX XXXX XXXX XXXX which, to my incredulity, did not allow me to obtain a personal mortgage ( that must be changed ; has nothing to do with a professional mistake!! ). I let them know that XXXX XXXX allowed a lender/servicer to apply for a XXXX XXXX to allow me to obtain the refinance. They declined to do that. In XXXX XXXX, I was called by E Mortgage Capital again, same person! I reminded them about the XXXX XXXX problem and he insisted that there was a program to BYPASS XXXX XXXX! I asked how? He insisted they could bypass XXXX XXXX. Summarizing the next XXXX months : I applied ; I gave them every doc they asked for ; Since I was semi-retired and did not have enough income, he asked XXXX TIMES for IRA distributions as each time it was not enough?? Totally unprofessional, should have known XXXX amount for XXXX distribution! That took months!!! Along the way, he apologized for the length of the application. I answered that they were the only game in town for me as it bypassed XXXX XXXX. I kept asking, again and again, how did he do it? I was thankful but could not believe it! Finally as the loan was ready to close, I was told XXXX XXXX XXXX  found out I was on the Exclusionary List and I was out of luck. I replied, Are you kidding me, you knew about this from the start and you assured me of bypassing XXXX XXXX! Why did you lead me on for XXXX plus months and make me take IRA distributions which I did not intend to take? No response but Im sorry. I then sent he mails to the top executives of the company and recounted everything. No response! Then, lastly, I asked them to apply for that One-Time Exclusionary List Waiver to see if I can get my loan. Again, no response!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX... Balance : {$40.00}

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-07
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I received a home equity loan in XXXX from XXXX XXXX XXXX, I lost my job, and could make payments my wife became very ill and had to be placed under XXXX nurse care. Her income was removed from my budget. I was attempting to get a workout Modification I mailed many documents and the next i new was i had a sale date for foreclosure from XXXX XXXX I am also questioning the loan trust, and the assignment being used I asked the my foreclosure be held in a courtroom by a judge. I revoked the power of atty that i gave at the origination of my loan. this power of atty was revoked in XXXX Co XXXX on XXXX XXXX XXXX. I SAID THE BORROWS WAVIER OF RIGHTS without understanding.everyone is entitle to due process of Law, but i was forced to give up my rights. i do not want my home sold on the courthouse steps

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good afternoon, im contacting you in hope to get your help and resolve my issue regarding paypal service simply im left helpless. 
on XX/XX/XXXX i did order a Refrigerator Ice Bin and paid {$43.00} with paypal account then the next day i did receive a paypal email with shipping # confirmation, after checking that shipping # i got surprised, it was an expired usps shipping # belong to an order which was delivered on XX/XX/XXXX my order was made on XX/XX/XXXX, then i did contact the seller through his website and personal email meanwhile i did contact paypal and opened a claim as SUSPICIOUS ACTIVITY explaining all the details that is impossible to me to receive on XX/XX/XXXX an item i did order on XX/XX/XXXX? simply i believe this website XXXX XXXX XXXX is a scam. paypal suppose to contact the seller then send me the full refund because i know that im not receiving my order since it is considered delivered on XX/XX/XXXX. 
this is the shipping tracking # you can check it out yourself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the very next day i received an email from paypal telling me my claim was closed and there is nothing suspicious! since then i couldnt contact paypal through my account also paypal phone is down. 

i did call my XXXX XXXX  seeking for help at the same time paypal locked my account and froze my funds of $ XXXX FOR SUSPICIOUS ACTIVITIES!! after i tried to log in to paypal i was asked to confirm my ID, so i did add my driver license copy to unlock my account, till today still no confirmation or any sign from paypal, i did attach all the documents needed to my actions, im really helpless and i need your help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My Bank, XXXX, does not allow third-parties to access bank info past 4 weeks. Experian needs 3 months of bank info to allow the Boost service ( improve credit score ). Yet, Experian still advertised my bank as one of the banks on the list. So I get the service and for security reasons, they can not link my account. Took 3 days of trying to reach customer care. The automated system by phone has no human beings, whatsoever. Its like they took a play out of the XXXX XXXX XXXX playbook to have zero customer service or accountability for their XXXX. I finally get someone through online chat. XXXX was very smug & practically useless, copy & pasting responses. I literally mistook this person as another automated response system. I felt so disregard and brushed off like it was nothing. I don't deserve good credit, apparently.

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 2022-09-09
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/16 Balance {$1000.00}

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My accounts including XXXX and Zales, both issued by Comenity Capital Bank, show over payment balances. The XXXX account shows a credit balance in amount of {$41.00}, requested a refund via ACH deposit several days ago on XX/XX/28, account shows credit balance as of today, XXXX, no refund processed. The Zales account shows a credit balance in amount of {$920.00}, not including a recently mailed payment in amount of {$20.00}, which may post by time Comenity rep ( s ) research this matter and reply back. I've also requested a refund via ACH to my bank account for this account as well, account still shows overpayment amount of {$920.00} as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Williams, Rush & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called and spoke with my father about the debt. I retained an attorney and they agreed to settle out of court and delete the collection off my credit file. They are still paying me on the settlement but they refuse to take it off of my credit report. Everything was signed and agreed upon. I have attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i am complaing about bank of america charging a lot of those fees durring the pandemic i have XXXX kid and my wife and they was not working. everytime i call the bank to ask them for help. XXXX  XXXX is not computer error. their is nothing they can do, i am sending that itermize stament as far as fees they charge in my account.

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 2021-12-03
Company: EQUIFAX, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
I have previously disputed this item with Equifax ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXXBankruptcy court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have carefully reviewed my credit report in XXXX and Transunion. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Uprova Credit, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Uprova contacted me About a balance due on a loan I never signed up for or received. The personal information they have for me is not accurate. They continue to harass me about the money when they cant provide proof of where they sent the money.

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 2021-12-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on LVNV FUNDING LLC 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( LVNV FUNDING LLC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I have carefully reviewed my credit report in Experian and XXXX. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX  days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX XXXX, before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor : DPT EDXXXX XXXX Date Opened : XXXX Balance : XXXX DPT EDXXXX XXXX Date Opened : XXXX XXXX : XXXX DPT EDXXXX 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 explanation