BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

In accordance with the Fair Reporting Credit Act, my rights been violated...

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 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 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 2022-04-18
Company: The CMI Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I received a collection notice in the mail and another violation I found was there was no instructions on the letter on how to dispute the debt. I am giving this company 30 days to provide proper validation NOT verification. The information will be provided in my detailed response below. I asked for proper validation such as contract or some legal contractual obligation that I have to pay that alleged debt. I see their response is if you think this debt is not yours that I should then open up a fraud case. I am demanding that this be ceased and deleted if credit management can not provide competent evidence that I have a legal contractual obligation or an original contract of when the account was opened up.

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 2021-02-04
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is fraud, I have been complaining about incompetents and now these people have wipe out my entire checking and saving account and Dovenmuehle Mortgage XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So Experian continues to violate all FCRA rules, they want to make there own rules when it come to my rights, I have a bankruptcy on my Experian report that is % XXXX incorrect but they still choose to report it as so. XXXX and XXXX have reviewed my request and have removed and updated my report with no problem, But Experian wants to make its on rules and keep Violating my consumer rights, well this needs to stop and get resolved 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 2022-12-29
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:
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. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. 
I never went through bankruptcy. XXXX XXXX XXXX XXXX 

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 2018-05-02
Company: Voss & Klein, LLC
State: FL
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:
This is an attempt to collect a disputed insurance co-payment of some {$320.00} for a health care provider who never saw me after having ordered an expensive, unnecessary XXXX XXXX XXXX XXXX and whose office refused to explain his absence. I did engage in a monthly payment plan directly with the provider at first, but then my internist said I did not need such a test. I have contacted the debt collector to explain that I dispute having such obligation, that the charge was largely already covered by my health insurance, and that I would engage counsel to pursue the XXXX who filed this collection claim, for medical negligence. They continue to pursue me by impersonating a law firm with official looking letterhead and legalese and threatening negative reporting to the credit bureau which they say will result in adverse information on my credit for seven years. This is clearly in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ALLY FINANCIAL INC.
State: CA
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:
Back in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Department called me regarding suspicious fraud charges on my account # and I confirmed the following as fraud. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX When I received my statement, they had reversed a charge that was actually legitimate and I immediately advised them of same. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX After numerous phone calls, and a letter written in XX/XX/XXXX, this still remains unresolved and I am making payments and incurring interest to date. At this point, they owe me money. 

My Account # 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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 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 2021-08-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After Mr Cooper acquired my mortgage starting XX/XX/2021, it failed to make property tax payment to XXXX county tax department for the bill that was due on XX/XX/2021. Before XX/XX/2021, I have sent several message via web to make sure the payment goes out on time. After several attempts, Mr Cooper took the money out from my escrow account on XX/XX/2021 and said they disbursed the payment to tax department via wire transfer. I have reached out to Mr Cooper several times via phone calls and messages, they kept on saying their tax department is working on it and never specified what they are working on. I requested that the money taken out from my escrow account be refunded back to me many times since the payment never reached to XXXX county tax dept. After a month, on XX/XX/2021, I got a notice from Dept of Finance saying i have UNPAID TAXES AND CHARGES. I made the payment directly to Dept of finance out of my own pocket and requested Mr cooper to refund the money plus interest I paid to dept of finance for lateness. 

Due to these issues, I requested mr cooper to close my escrow account in XXXX so that I can start making payments myself. So far, Mr Cooper is not refunding me the tax payment taken out from my account {$1200.00} and about {$5.00} in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Although the balance on my credit card was paid down to XXXX. Discover closed my credit account without notification. I was informed, by an Account Review Supervisor ( XXXX ) that an IRS verification was emailed out and identity verification would take two full weeks. Also was informed during the time of the verification my account would be inactive, for two weeks, but following the two week verification I would be notified of my credit card 's availability. Calls are recorded. However, in spite of my cooperation, my credit account was closed, by Grantor, from the date I called, within 72 hours, without any notification. For the record, I had discovered, there was a problem, when I logged in to view the card 's available credit ( XXXX ). In lieu of this, I then reached out to Discover, same day ( XXXX ) for answers and was connected, after a couple of attempts to the Verification Dept , where it was confirmed that my account was closed. Unfortunately, in spite of Discover 's deceptive ways, I was informed my only solution was to reapply, for a new account. The companies actions appears to be an illegal move, to close my account, inconvenience me as a paying consumer and later maybe place an adverse statement, on me, in the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: OK
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX 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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-18
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX there was a transaction off my PayPal balance XXXX I was having part of each weeks paycheck deposit into PayPal due to my wife and XXXX kids being in XXXX  in XXXX XXXX  with her mother and sister for the summer. She and my kids were living at her moms apartment in XXXX. So when I had a transaction for XXXX XXXX XXXX post to my PayPal account for {$480.00} I asked my wife if it was her and what for. She didnt respond the first day due to her losing her cell phone at XXXX  XXXX  and later in the day activating service on a phone her mom gave her so she could try locating her device. Sometime between her losing her phone and getting a replacement her phone was used to do this transaction. So I began disputes with PayPal. We found out XXXX  is actually a company that my wife hd an app on her missing phone that she had signed up for a credit builder card but rhe app apparently also did hotels which she found out when she contacted their customer service to report the issue and fraud after PayPal initially declined support for the issue. 
My wife has screenshots with time stamps and date of conversation with XXXX  which is the name of the app. They directly told her they could not do anything about the fraud that occurred and to contact PayPal to have them do a fraud chargeback. So I had to redo tact by phone to get a new dispute open due to them denying fraud on the original dispute that was also mislabeled by their system. The new dispute got to a couple days before it would auto close in my favor and the XXXX  or XXXX  or whatever new name they go by reaponded. The customer service department for XXXX  emailed my wife and then the PayPal dispute was closed again in their favor. I reopened a3rd dispute and its again been denied as fraud but the other company just keeps telling my wife they are investigating. This was MY PAYPAL not my wifes and even with us doing everything down to even providing messages between each side PayPal still closed the dispute for not fraud. This was $ for rent and bills. It was meant to help us get into a new house so my wife and kids could come back to XXXX XXXX and not keep living in hotels. PayPal will not provide information on how theyve decided it wasnt fraud, they wont refund our money and neither will the other company but we did find on my wifes credit report that the credit builder account she had is reporting as an open line of credit for {$5000.00} but she only ever put {$20.00} on it once and never got the physical card which she had even messaged them about before. The newest dispute was closed as of today XX/XX/17 as far as my messages show. They were investigating and then never contacted or asked for anything just decided it wasnt fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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

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