BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify Cascade that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX/XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take XXXX days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company continues to violate my consumer rights but reporting inaccurate information on my credit file about and closed auto loan that acts like a revolving credit card account. The credit bureau also says that they verified this account without my consent not have shown me there method on how they verified this account when my images below shown different to what the credit bureau reports.

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 2023-01-14
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.

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 2023-06-13
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had mortgage for over 20+ years ... .never paid late ... .always pay extra on prin ... ..now ... .starting getting calls during grace period ( XXXX ) ... .to make my payment because " you are late '' ... ... .what kind of XXXX is this???? 

Not happy!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Marlette Funding, LLC
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:
On several occasions I was told my Best Egg account would be updated to show Paid as agreed, closed. It has been well over 30 days that my score has suffered to the tune of minus XXXX points. 

I have recieved letters from Best Egg that this would be fixed. Now I am loosing money daily until this is fixed. They are in voilation of my rights 15 USC 1681 sec 602A and 11. 

I am requesting this loan be updated with the correct information that it was paid as agreed in FULL, and closed Best Egg acct # XXXX was paid off in XX/XX/XXXX, but entered into best egg system on XX/XX/XXXX. Best egg sent a letter stating it was paid off. However, on XX/XX/XXXX, XXXX reported this same account was still owed and now 90 days past due. My credit score suffered over 65 points due to this error. Best egg then sent 2 letters explaining their apologies and that this will be updated correctly. I has not been updated. This account needs to show PAID, closed, never late. I researched my consumer protection laws. Best egg and XXXX XXXX should know 15 USC 1681 sec 602 a and section 2. also refer to other pretection laws that goes with this claim. please help me write a statement to the creditor and XXXX. My goal is that this information is updated to show paid as agreed, closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.

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 2023-01-14
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: Problem with personal statement of dispute

Complaint:
I opened a credit card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and decided to close it in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX XXXX went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my Transunion credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

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 2023-01-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-14
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This Financial organization is collectively working against its customers by tacking on rigorous amount of fees and collecting interest on these fee they are robbing there customers with this business tactic. I refinance my vehicle in the hopes of a lower car payment however I have been deprived and deceive by while this organization capitalize on my business. The scheme they have plotted allows the bank to charge people a XXXX when they havent heard from you and add interest on it should be illegal Especially this exceeds the value of the vehicle. It is highway robbery should be considered extortion.

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 2021-09-26
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: Account status incorrect

Complaint:
First and foremost, my last name is a single letter XXXX. My birth certificate, social security card, passport, California drivers license, business license, all have my last name correct. Experian, whom I have sent numerous letters and provided supporting documents, asking that they correct my name. And every time they send me back a packet asking for the information I provided when I sent them the letters. There is no one I can resolve this issue with, because they have no live person to speak with on the phone. They are reporting incorrect information. I have applied to rent a few apartments, and have beeb denied. Because they report back to have them company verify my ID, because the last name they have on file is XXXX. Which is false. If my government issued documents are able to be processed with one letter, I don't see why they can not. Not only that but I have been denied with a lending/flooring company because they could not run my Experian. So I am now forced to put XXXX and explain why my drivers license and the information I furnished dont match. And to make matters worse, when a company is able to run met experian report, it continues to show an a derogatory account that I disputed last year. The results were they would have it deleted, but that's not the case. It is still there. Can they just report correct information, especially if they are going to have my social security number tied to it.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: OK
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:
On my consumer credit reports from Experian and XXXX, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows XXXX  months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the XXXX and Experian CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows XXXX late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.

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 2021-03-15
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: Their investigation did not fix an error on your report

Complaint:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX  ) , the financial institution, and the Consumer reporting agency Equifax does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, or XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief