BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: JMAC LENDING INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notification that my Mortgage payment would increase because of taxes and speculated insurance premiums. I was given the amount of {$180.00} to pay to escrow to keep my payment the same. The additional escrow payment was received by JMAC Lending on XXXX My payment did not return to the previous monthly installment. I called on XX/XX/16 to find out why and I was told that they projected that my insurance will increase so they could not return my monthly payment to the previous amount. They calculated the XXXX I sent the XXXX in good faith and fair dealing to keep my monthly mortgage payment at the lower amount. They neglected their responsibility to return my payment to the lower amount and did not have a decent explanation of why they quoted an amount and I sent the amount but they still did not lower the payment. 
XXXX XXXX XXXX  : The lender does not provide you with accurate or complete account statements for escrow. That makes it almost impossible for you to determine how much you have paid or how much you owe. You may pay more than you owe. 
Over-collecting through accounts designed for taxes and insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-14
Company: Experian Information Solutions Inc.
State: PA
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 resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I STILL do not have the bonus that was supposed to be added to my account on XX/XX/2023. It has been over a month! Case number is XXXX. Punitive damages should be TRIPLED now for all the time it is taking me to get ally bank to do their job!

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 monetary relief
Consumer complaint received 2016-02-10
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Attached is one of many, many letters I 've received encouraging me to refinancing my existing mortgage loan. I feel the letter is extremely misleading and basically nullifies all the effort the CFPB has put into ensuring mortgage customers are adequately informed of the conditions of their mortgage. I 'm sure the lender 's legal team has reviewed it for compliance but I believe it violates the intent of the disclosure laws. For example, the letter states : - You may be able to save an estimated {$110.00} per month by refinancing. It 's not until you read the fine print that you find out that : o The offer is a XXXX adjustable rate with caps of XXXX. How many people understand what this means? 
o It assumes a credit score of at least XXXX, a loan to value ratio of 60 % and debt to income ratio of no more than 43 %. 
o It assumes an existing mortgage rate of 3.950 % ( my existing mortgage has a lower rate than that ). 

- You may be able to defer your first mortgage payment saving you {$1000.00} right now. The footnote goes on to say " If your closing is timed correctly and you do n't make the payment the month you are closing, it is possible to add that interest into the new loan. '' It fails to mention that your payment on your existing loan may be delinquent and reported to a credit bureau as such. 

- We 'll waive all lender fees and provide a free appraisal for future refinances. How is a borrower to know what is a lender fee and what is n't? Furthermore, the footnote for the free appraisal says if you ever decide to refinance for any reason.. .loanDepot will waive all lender fees and reimburse appraisal fees on you refinance. '' Are they talking about this refinance or a future refinance? 
I could go on and on about the misleading letter and deceptive footnotes. Suffice it say that I 'm sick of these nationwide lenders clogging the market with this kind of XXXX. It confuses the public and, in my opinion, discourages all lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CA
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 to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX # XXXX -XXXX Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX states I have a right to privacy XXXX XXXX XXXX XXXX XXXX  XXXX states consumer reporting agency can not furnish an account without my written instruction and/or consent.

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 2023-09-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To Whom It May Concern, I am writing regarding Paypal 's user interface and security, specifically the log in interface. When the mobile app is first opened, there is an option to " Text a one-time code. '' Similarly when one goes to the sign in page on the Paypal website, there is an option to " Log in with a one-time code '' that is sent via text. Electing this option would allow the user to log in using only the code that is sent, thereby allowing whomever has the code to access the Paypal account even if they do not know the account password. 

I believe this feature is a significant security flaw in that it allows anybody with access to the user 's phone or text messages to be able to log in to that person 's Paypal account without requiring the password, and there is not a readily available ability to disable this option in the account settings. 

A password and/or biometric verification should ALWAYS be required to log in. I am not sure why such a feature allowing sign-in solely via text message would be allowed, and more importantly if it is allowed, why such a feature is not able to at least be disabled at the user 's election. 

As you can see from this post on Paypal 's user forums ( XXXX : XXXX ), there are many users complaining about the same issue, and it does not appear as if Paypal has done anything to remove the feature in question. 

Please direct them to remove at once the ability to log in solely via text message verification ( and without password or biometric verification ), given the significant security risk that this poses. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXXXXXX XXXX, Account # XXXX 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

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 2018-10-01
Company: CITIBANK, N.A.
State: PA
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 had contacted many times XXXX XXXXXXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago wirh no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry -Sears/cbna Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am requesting that all 3 addresses need to be deleted from my consumer report because 1 is a non-existant address and the other 2 now belong to someone else, also it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
My current address is attached to this CFPB complaint and may be updated on my consumer report Please send me a full complete copy of my consumer FILE

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 2022-05-16
Company: LEXISNEXIS
State: AZ
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:
On XX/XX/2019, XXXX XXXX XXXX laced my credit report with Lexis Nexis a false fraudulent entry. The cra fraud by Lexis Nexis & XXXX XXXX XXXX is a XX/XX/2019, my XXXX XXXX XXXX  claim against XXXX XXXX XXXX is on MY CREDIT REPORT and it does belong on my credit report. This XXXX ( XXXX XXXX was his insurance company ) XXXX XXXX XXXX  intentionally. 
Get this false entry off all my credit reports immediately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account should reflect that it is paid in full.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2019-06-15
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:
I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, Experian, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am  trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

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 2023-03-18
Company: WELLS FARGO & COMPANY
State: OH
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 no relationship with this company and did not authorize this inquiry.

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 2022-07-06
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KAY JEWELERS XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Sectio

n 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have been contacted by a law firm / debt collector a lil over a year and a half ago to collect a debt. We have been paying this whole time.

With the prices on everything skyrocketing, we needed help. We requested that Hiday & Ricke work with us on dropping the payments. They very rudely declined to help us any. 
We ended up having to drop the amount of payment on our own. Since then, this firm has been threatening us with final judgement, now they threatening to get our personal info from XXXX XXXX XXXX. They have sent them XXXX commands to be sent my husbands private info. They have since locked us out of the payment portal. We want them to cease and desist all threatening communication. concern ; We are being threatened and harassed by a debt collector / attorney. 
We have been paying this firm, Hiday & Ricke PA monthly for a little over a year for a debt from XXXX XXXX XXXX XXXX. 
We have not missed any payments. But because of the rising cost of fuel, groceries, and utilities, we have become seriously strapped and had to lower the payments we were giving them. We asked repeatedly asked for help to have the payments lowered. They refused to help in any way. 
They have put us in final judgement stating we have to pay the {$8100.00} up front. If we can barely pay the monthly {$300.00} without drowning, we def cant pay that amount. Now hes threatening to take a vehicle we are still paying on. 
We want him to back down and let us do what we can. 
So in turn, we would like to put a cease and desist order on him so he can not continue to harass and threaten us. We want no contact at all from this firm. 
They have us, my wife, and myself so strapped and so stressed, that it is definitely weighing on us health wise. I have XXXX XXXX and the anxiety that comes with it. 
Hiday & Ricke have me stressed to the point that I can barely manage the XXXX. My wife has physical XXXX as well as anxiety and XXXX. XXXX has XXXX XXXXs and this is causing constant XXXX XXXX Jeff Ricke of Hiday & Ricke is making it exceptionally hard to function in day to day life. 
We DO understand that we have to pay this firm for this debt, we have been paying them without missing any payments. But we had to lower the payments so we could survive and pay for groceries, fuel and utilities. 
Therefore we would like to file a cease and desist order on this firm. 

Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation