BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
The XXXX XXXX XXXX paid all interest & principal fees from XX/XX/XXXX until XX/XX/XXXX = {$34000.00}. No other lender according many HUD counselors say additional reinstatement fees of any amount are demanded except my servicer XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Re : Notices of Error/ Information Requests I believe this is unlawful and I asked my lender to waive the unaffordable {$610.00} fee thats not related to the mortgage principal or monthly interest ( which was already accounted for in payment {$34000.00}. 

They refused & told me to document the expenditures however the XXXX XXXXXXXX XXXX told me today they can not recreate the billing itemizations & they have no accounting department! 

This XXXX bill is very FISHY because they are demanding more in unpaid fees and charges= {$510.00} PLUS {$95.00} in NEW FEES and charges since last statement which would be XXXX. THAT was already accounted for!!! I called my lender in XXXX. They said my first billing is XX/XX/XXXX. 
SO THEN WHY are there any late fees? 

Please resolve this financial burden of {$610.00} that I can not pay and had no advance notice on this fraudulent charge! 

I need these fees to be waived and there are not even CLEAR on the amount they are demanding. My phone agent at Loss Mitigation today XX/XX/XXXX hung up or was disconnected & she said she would investigate but never called me back as I have been waiting!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to use the Venmo service but received the message After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/20. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Venmo will not tell me what transactions or activities I took part in were considered concerns. I believe I am being discriminated against without explicit explanation of what activities cause XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
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:
Dear Sir, on XX/XX/18 I contacted by phone and online Experian, XXXX  and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: AL
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 TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I received a notice from XXXX that my score dropped due to a decrease in my credit limit. I logged in and saw that Nelnet had reduced my credit limit which makes no sense because it's a loan. I called and was on hold for SIX HOURS, until someone answered and told me I needed to contact FSA for more information. I have been making payments weekly ( even though I am in grad school and only need to pay the interest ) and Nelnet is absolutely destroying my credit. They create a new account for each class I take, so I will have XXXX  open accounts by the time summer comes and I will have XXXX open accounts by the time I graduate. I can not afford to have them continue to take advantage of people like this, then offer no explanation and have absolutely no one to answer the phones for hours, it's already bad enough my score has dropped XXXX points in two months because of Nelnet 's errors, now they have reported payments as a credit limit decrease, and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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 reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This situation began in XXXX  when I was living in the XXXX XXXX. My parents in the United States received a call from XXXX XXXX XXXX claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any US debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from XXXX to various collectors, the most recent being XXXX XXXX XXXX XXXXXXXX XXXX and now Portfolio Recovery Associates LLC. 

Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. 

What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CCS Financial Services, Inc.
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:
On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : 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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXXXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXX/XX/XXXX Payment History Account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off.

Status UpdatedXX/XX/XXXX fcra violations not mine remove it XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, XXXX, and Transunion Report. This account is paid and closed. Please update status on my credit report. Thanks

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 2023-04-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

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. 
Account name : XXXX XXXX XXXX, Account Number: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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: HYUNDAI CAPITAL AMERICA
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: Public record information inaccurate

Complaint:
Hyundai Capital America account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My client 's monthly mortgage statement has listed two methods for contacting the servicer listed, with a single point of contact, XXXX XXXX. There is a phone number with an extension for XXXX XXXX and an email address : XXXX. 

My client has tried more than five times to reach Marisa Iglesias at the number provided and has been unable to reach her. She said that she was on hold during one of these attempts for several hours, only to be hung up on by the automated system. 

I emailed XXXX a Request for Information on XX/XX/2023. The email came back undeliverable. I tried again the next day and after over 50 hours of retries, gmail was unable to deliver email to the address. I tried it from two separate computers and a cell phone and all came back undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020 I received notice that a dispute that I had previously submitted for inaccuracies was completed. The notice that I received from Experian stated that the 2 companies ; XXXX XXXX and XXXX XXXX was not listed on my report. I called Experian and inquired about this issue and they assured me that it has indeed been deleted.

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 2023-02-27
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, a fraudulent charge appeared on my bill. The description on the statement was listed as " XXXXXXXX XXXX for the amount of {$120.00}. 

When I received the statement, Chase bank was notified of the fraudulent charge and it was removed from the bill. 

However, the following statement period, the charge was added again to the bill. 

After many communications with Chase bank, they have not removed this fraudulent charge from the account. The last communication was in XXXX and the representative said they will review the charges again and send a letter with their decision. They have failed to follow up on this and did not send a letter. 

To detail the fraudulent charge, I was on vacation in XXXX and made several purchases in purchase amounts all less than {$43.00}. So I am sure I did not make this purchase of almost {$130.00}. I do not recognize the merchant indicated as " XXXX '' either, and did not visit a bar while shopping in XXXX. 

This charge is fraudulent and I would like it removed from the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: The CMI Group, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Located this collection on a recent review of my credit report. According to the report Credit Management LLP started reporting in XX/XX/2019. On, or about, XX/XX/2019 I called this company to inquire on the origination of this debt and the amount owing of {$340.00}. The representative indicated this was a past due XXXX bill and that i was notified via mail in early XX/XX/2019. I told the representative that i was unaware of any amounts owing to XXXX and that i received no notification from anyone regarding this collection. I asked for proof mailed to me at the address of record ( which was verified ) of the origin of this debt. 

As of this writing, i have received no communication from either Credit Management LLP or XXXX regarding this debt.

Company response to consumer: Closed with non-monetary relief