BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MS
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:
Sold me a lemon car I didnt have one month this csr started acting up they pick this car up at the hostipal one day I was sick

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-05-14
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022, I spoke to a Mr. Cooper representative ( XXXX ) to discuss my loan modification. I received my loan mod in the mail, scheduled a notary through Mr. Cooper. From XX/XX/XXXX to XX/XX/2022, I have had at least 8 notary public to notarize my documents. Two times I got my own. Mr. Cooper would send another mod package without personally informing me that my prior documents were rejected. After dealing with this several times I figured out if I receive another package, it's because something was not completed correctly. I called Mr. Cooper and ask questions. When I did the reps would seem clueless. Some have put me on hold to ask another rep a question about my account. There were some who read the wrong info and I would direct them to what to look at. Mr. Cooper communication skills with the customers and employees needs improvement. Attempting to get my documents notarize has been confusing and frustrating. when I feel confident my documents will get " approved '' they're " denied. '' XXXX XXXX XXXX sent me an email and said to call anytime I encounter a problem. I did. Out of all the representatives since I began my loan modification, he is the only one who gave me some new info to include. That moment was mind boggling. Still, they got denied. I could go on and on, but it would be a repeat of the lack of assistance I receive. The reps were not knowledgeable but had me to trust what they were saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that is was a mistake to close my Paypal account. I am using my Paypal account for my online business ( XXXX 's XXXX ) since 2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes and I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 AN 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 ITEMS 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 2023-06-01
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I logged into my Cross Country account to verify that the payment from the Department of Economics had been sent to Cross Country Mortgage it was at that time I noticed the payments hadn't been posted. I then contacted DEO and was advised the payments had been sent. I waited and then contacted Cross Country multiple times during this time I was going back and forth with DEO and Cross Country Mortage at that time we received our bill which stated we were past due for XXXX and XXXX and we were at that point in XXXX and Cross Country said that they has still have not received the payments, but DEO said all payments had gone out, on XXXX I spoke with XXXX with Cross Country she advised me they were still waiting on the payment my husband and I called Cross Country two or three times a day we were still being told they didn't receive any payments. Then on XX/XX/XXXX, I spoke with XXXX from Cross Country and DEO on the same call DEO advised XXXX that on XXXX payments were reissued to Cross Country. Cross Country stated they returned the payments back to DEO as they were now going under the name XXXX XXXX, as consumers we never received any information about a name change nor that our Escrow was short and Insurance was going up. 
On XX/XX/XXXX I spoke with XXXX from C.C.XXXX XXXX XXXX she stated don't worry they will locate the payments and she doesn't understand why payments were returned back to DEO, ( ) but DEO hasn't seen any returned payments. She did verify that XXXX XXXX is also C.C. she then informed me that a payment to Cross Country came in and will be posted in 24 to 48 hours. I called CC and spoke with XXXX to see if they had located any other payments she stated no and it could take up to 30 days for the payment to appear on the online service. On XX/XX/XXXX we spoke with XXXX from C.C. She advised me she would send an email to XXXX. department to contact me she also said no payments were received. On XX/XX/XXXX I called C.C. and spoke with XXXX put a note in to have XXXX. contact me and that the company would generally send a letter about changes and I advised her they hadn't. During this entire time, we had been in contact with DEO sending emails and speaking with representatives. even with the continuous communication between Cross Country and DEO, Cross Country due to this problem has affected our credit reports which have dropped our credit rating by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
someone used my information to open an account with XXXX XXXX and it wasn't under my consent nor did I give anyone my consent to make this payment. I had filed a report for fraud years ago about this situation but no one has reached out to me about this nor did anyone help me settle this situation and it is preventing me from applying for loans, credit cards, etc I need this matter to be solved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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 2021-04-19
Company: Harvard Collections, LLC
State: TX
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:
I noticed a change on my credit report. My score with Equifax dropped by 48 points in one day. I checked the report to find that there was a collection from Harvard Collections. There is no account information or any information other than the name of the collection agency and an amount owed ( {$200.00} ). The collection agency appears to be in XXXX, XXXX. I have never received notice any any collections due ( via email, phone call or any other form ). I've lived in Texas since XXXX. If there was any debt due, why haven't I been contacted? Why wouldn't I haven't contacted since being here more than 30 years. I don't know that this is my debt as I have no information about the debt. The date was placed on my report on XX/XX/XXXX. 

A collection agency or creditor should not be allowed to report a negative anything on your credit without notify you and giving you the chance to pay. This is a very unfair practice. Now my good credit that I've worked so hard to build was damaged with this one spot and I still don't know the reason for this item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I went to XXXX XXXX XXXX in NJ on XX/XX/19 and we purchased a Dining room set and Rug. 
The receipt says 5 year warranty. They told us we could finance the purchase with no interest. They arranged the financing through Synchrony Bank aka Synchrony Financial. They opened a credit line up to {$7000.00} but the items we purchased came to {$3900.00}. The items were delivered on XX/XX/19. Later in the day we smelled a terrible toxic smell from the table and chairs. We called the merchant the next day. My wife has XXXX and she had to use the XXXX several times in the night. The merchant told us to open the window, and let the wood air out and it would go away. The smell never went away, and it began to smell up our entire house. We kept calling the merchant, and he was ignoring our calls. Finally we went to the store on XX/XX/2019 to demand that they take back the furniture. The manager cursed at my wife and said some terrible things to her. On XX/XX/19, the merchant sent 2 men to pick up the items. They showed us a paper that said exchange, and we crossed it out and put return. They refused to give us a copy or receipt of the pick up. We have a video of them picking up the items. The Mgr. wanted us to come back and select different furniture. We refused because of the way he treated us and insulted my wife. During this time, we notified Synchrony Bank of the dispute and they asked us to make a small payment while they investigated. We refused because the merchandise was toxic and returned. Synchrony did an investigation and wrote us a letter that said we have to pay the {$3900.00} because the merchant told them we still have the furniture. The Merchant sent them a false reply indicating that we still have the furniture and they are waiting for us to come in and do an exchange. The is not true, we did not exchange, we RETURNED. Our attorney tried to speak with Synchrony on XX/XX/19 while we were present, but they refused to speak with her, although I gave them verbal authorization while we were all on the phone. They said that I had to MAIL in written authorization, They refused to give me a FAX Number or email. They gave us the mailing address. This is a bad practice. We know that the merchant was paid and now he's trying to get us to buy something else from him. We are disputing the debt and they are making it difficult for us. My wife sent them the video of the pick up and they said it wasn't clear. Our attorney saw the same video and she said it was very clear.

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 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to make multiple payments through capital one 's payment system. My payments never made it to my bank but they say the payments were returned. Capital one marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. Capital one has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$560.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-06-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community Loans i want to know who instructed you to forward my mail as follows? 
XXXX XXXX XXXX C/O : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2019-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian Notified Experian about the following inquires and asked for a deletion. 
They are not mine and company refused. 

XXXX XX/XX/18 Inquiry XXXX XXXX, XXXX. XX/XX/18 Inquiry XXXX XX/XX/18 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 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a patient of XXXX XXXX, Michigan XXXX XXXX since XX/XX/XXXX, I had visits every other month, I have XXXX XXXX Health care insurance, the insurance paid every single charge since then except one visit in XXXX, it seems the Doctor office did not submitted it on time, or they did not bill it in correct format. I was informed about this charge around the end of XXXX, I contacted the DHS case worker, she told me to ask the Doctor office to submit the claim again and she will pay it, I contacted the billing department and asked to submit the charge again. However I received few statements from the doctor office for a charge of {$120.00} dollar, I contacted the office every time I got statement for the doctor office, and asked them to bill the charges again. It look like they did not submitted again. Sometime in XXXX I received statement from Merchants & medical Credit ( Collection Agent ), I called them and explained to them what happened. I received few calls from them since then. Every time they called we went through the whole issue again. I found out that on XX/XX/XXXX they reported this issue to Credit Bureau, I called today, They said they received this case in XXXX, I was late for them to submit the charge to insurance, and the doctor did not.

Company response to consumer: Closed with non-monetary relief