BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer is deliberately thwarting my efforts to bring my reverse mortgage current. A XX/XX/2022 sale date has been posted. The mortgage was called because XXXX XXXX funds assessed as property taxes on my home became delinquent. I could not pay {$28000.00} per year, especially after my job with XXXX ended. I was told that XXXX XXXX funding was not appropriate for reverse mortgage holders, and should not have been offered to me or the other reverse mortgage holders. There have been real problems, not just for me, because of this. My home is in a prime area of XXXX XXXX ; there is significant equity in the property. 

In XX/XX/2022, I applied for assistance from the XXXX XXXX XXXX XXXX. I was told I could qualify for as much as {$80000.00} ( a little more than half of the tax debt owed ). Because I monitored my application carefully, I learned XXXXXXXX XXXX that there was a specific program focused on reverse mortgages and that I should apply for that program. I did so immediately. 

That new application is now in an inactive status. I was told by XXXX XXXX XXXX XXXX representatives that my mortgage servicer, Finance of America Reverse, has never set up a mechanism to receive payment from the program. The Finance of America Reverse representatives I have spoken to since have individually and collectively referred me to XXXX, the funding source for all states ' mortgage relief program. Evidently Finance of America Reverse is not aware that the connection exists. 

I was told by several representatives for Finance of America Reverse that I was to send the money, without any further effort by the mortgage servicer. The company appears to refuse to acknowledge their clients in California need any assistance whatsoever, and are deliberately thwarting the benefits the XXXX program offers to all citizens. 

I have less than 17 days to stop foreclosure of my home of XXXX years. I want the sale date stopped. I will also appreciate fair reconsideration of my current mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
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 mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My original mortgage was taken out on XX/XX/XXXX. I made regular on time payments each month. The financial institution was XXXX XXXX. During XXXX of XXXX, XXXX XXXX sold my mortgage to Mr. Cooper, the company that is now my current loan servicer. As a result of this transaction, to which I was not made aware of nor gave any consent this impacted my credit score significantly XXXX XXXX points in XX/XX/XXXX. I do not believe that this should reflect on my credit report as a brand new loan and thus reducing my score XXXX XXXX points because behind the scenes it was decided to sell or transfer my mortgage to another servicing provider with different terms than the provider I originally went with. I would like this to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 following addresses and phone numbers have violated my rights. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX Apt XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 15 U.S.C 1681 section A

. States I have a 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 2023-12-05
Company: EQUIFAX, 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, a debt collect agency, specifically Convergent Outsourcing, placed a collection on my credit report in the amount of {$980.00}. I immediately called Convergent and was informed by Convergent that the debt was not in my name, XXXX XXXX, but instead was listed under XXXX XXXX. Convergent initially refused to discuss the debt with me stating, 'the debt is not in your name, therefore we can not discuss someone else 's debt. ' I explained to the Convergent rep that I'd been a victim of identity theft and demanded the immediate removal of the account from my credit report. 

After demanding to speak with management, I was transferred to XXXX XXXX. XXXX requested a copy of my Identification and social security card stating she needed it to clear the debt from my credit report. I sent XXXX the documents requested. XXXX then, without my permission, shared my identifying NON PUBLIC information ( photo ID and social security number ) with the original creditor. 

Several days later I received an emailed letter from Convergent Outsourcing, under the name XXXX XXXX. The letter stated that the collection would be removed from my credit report and it was removed days later. 

Consequently, Convergent Outsourcing has since indulged in DECEPTIVE TRADE practices by attempting to use the identifying information requested from me to place the illegal account, which does not belong to me back on my credit report. 

It is well settled that Convergent Outsourcing did not have in their possession adequate or accurate information to place a delinquent account on my credit report and after being informed the information they had on file did not match my identifying information, Convergent participated in fraud by obtaining my identifying information, sharing it with an unknown creditor and attempting match the or transpose the identifying information which would facilitate Convergent in willfully and fraudulently placing the fraudulent account back on my credit report

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 2023-08-31
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have auto pay set up on my mortgage account, I have attempted to change the account in which it was withdraw from ( XX/XX/19 ) by calling into to Flagstar mortgage company phone service. 

Unbeknownst to be my biweekly payment scheduled was changed, and payment was taken from my account 1 week early in the amount of {$1400.00}, on XX/XX/19. I called the company on XX/XX/19, after realizing that the early payment had posted, and they informed me that they were unable to reverse my funds, or unable to assist me with overdraft fees over the phone. They assured me that the payment schedule would be changed back to my original payment schedule. 

I called Flagstar back on XX/XX/19 to ensure that my payment schedule had been changed, however they informed me that it had NOT been changed, and I was scheduled for another automatic payment on XX/XX/19, once again a week earlier than what I had previously authorized. At his time ( XX/XX/19 ) I elected to cancel the auto payment system. 
I specifically asked and I was specifically told I would not have another payment removed from my account since, I stopped auto pay. However Flagstar then removed an additional unauthorized payment of {$1400.00} from my account, causing over drafts ( XX/XX/19 ). 

I contacted by bank, to dispute this charge, and reverse this charge. 

My complaint is that my payment scheduled was changed without my authorization. My attempts to resolve this issue with Flagstar were met by many roadblocks, and I believe their policies are overly arbitrary and cumbersome. I believe that these practices are predatory, and warrant further evaluation by your agency, as I am sure others have experienced issues with this mortgage company.

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 2023-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am writing to request your assistance in addressing an issue with my credit report. On XX/XX/, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Applied for Loan wiht XXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. XXXX  funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: AL
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  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights 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 explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief