BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This issue if directed to Paypal. 

On XX/XX/2020, I purchased services from XXXX XXXX for the amount of {$15.00} ( Transaction XXXX ). This purchase was for 1 Month ( 30 days ) of server hosting. 

On XX/XX/2020, all servers went offline. According to announcements in the official XXXX XXXX Discord ( messaging service ), the CEO went " missing '' and none of the server bills were paid. Over the next few hours/days the company 's remaining staff alerts everyone to cancel reoccurring billing and eventually sends off refunds. 

Before this happened, I had opened a claim with Paypal but once I heard the news that refunds were being sent out, the dispute was closed. It turns out that all the refunds were eventually rejected by Paypal for an unknown reason ( theories float from there being no money in the account to Paypal restricting their ability to refund wronged customers ). 

I then reach back out to Paypal who tells me to try to work it out with the company ( who is out of funds and who's CEO has run off ) to try to get a refund again. The company is no longer issuing refunds as the remaining staff has done all they can. I CAN NOT get a refund from this company, everything that could be done from their end has been done. ( SEE SCREENSHOTS ). 

Paypal continues telling me to work with the company, I tell them that I can not. I tell them that the company does not have any way to come to a resolution and they then tell me to work with my credit card/bank. That would be great BUT the purchase was used with Paypal funds. I can not go to a bank or credit card company and file a dispute because Paypal funds were used. They are my last resort and all they wish to do is push me from rep to rep without a solution. They continuously cite that their system won't allow them to help me even though I've very possibly been scammed of my money. ( SCREENSHOTS INCLUDED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2014 I had automatic payment set up. They company couldn't process the payment and never notified me. I been trying to get his late payment which is not accurate several time been talking with them and never get any favorable Response. I am trying to get a mortgage loan and this negative affecting so I can't get approved because this unfair negative item remark on 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: MLD MORTGAGE INC
State: NJ
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:
On XX/XX/2020, I noticed a hard pull for my credit report from MLD Mortgage. I have never agreed in a written form or verbally for them to do so. They apparently abused the information they have on me in their database ( MLD is my current lender and I provided my ssn to them before ) This is definitely not acceptable to me and I would like to take action to protect my own privacy and rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I recently ordered and reviewed my Credit Reports from XXXX and XXXX. During that review, I discovered a serious mortgage loan reporting error on those reports from NationStar Mortgage. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

I 've attempted various calls to NationStar to discuss and resolve this error. The response I 've received from NationStar and its reps can only be described as a " runaround ''. I contacted them on XXXX/XXXX/16, during which time the rep took all pertinent information and told me it would be submitted for research. I re-contacted NationStar on XXXX/XXXX/16 and was told that there was no record of my earlier call. On XXXX/XXXX/16 I re-contacted NationStar and was told by that rep that no research would be done without it being requested by me in writing. On XXXX/XXXX/16 I faxed XXXX to the number given me by the XXXX rep ) a written complaint to NationStar Research Department, laying out my concerns and attaching all relevant information. 

It 's now been 2+ weeks. I have no acknowledgement from NationStar that my faxed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Before Nationstar, this mortgage loan was serviced by XXXX and was originated by XXXX XXXX XXXX prior to that. 

Please investigate these matters and correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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 2023-02-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a continued problem with from my prior complaint with XXXX XXXX, today the XX/XX/XXXX XXXX says they are turning down the modification that Shellpoint sent them because XXXX page was not filled out, and are proceeding with the foreclosure. 
Shellpoint sent me the documents according to my files in XX/XX/XXXX and I returned and had them signed notarized as Shellpoint had requested me to do. There was only XXXX document that could not be signed that was the loan assumption because it had my Mom 's name on it, she is dead ( XX/XX/XXXX ) and Shellpoint knew this and yet continued to raise my Mom from the dead and then again rebury her and send things to the Estate of XXXX XXXX XXXX. 
I signed everything that I was sent and sent them back. 
So Shellpoint had lots of time to go through all the documents and see that everything was right before they sent them on to XXXX and sold the loan to XXXX sometime in XXXX, and Contact me. 
Now, comes XXXX to tell me that the XXXX missed XXXX page that he did not fill out and for that reason they are not going to honor the Shellpoint loan modification. I am waiting for these modification documents to be returned to me from XXXX, so that I can give them to my attorney. If XXXX has an issue it's not with me, they got a loan that the package should have been completed by Shellpoint, and checked off, bye Shellpoint not by me, I did not sell XXXX the loan Shellpoint did. XXXX 's argument should be with XXXX not with me, and my Modification should still be good I had no control over the documents after they are submitted to Shellpoint and sat with Shellpoint till XXXX bought the loan sometime in mid XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern My credit reports from XXXX, XXXX, and Experian have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.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 2023-02-15
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The attorney Hiday and Rickey out of XXXX Florida keep writing me via mail after I asked them not to call or write me. They are asking for financial information, private information to garnish my wages and that is harassment. We have already went to court about this debt and they are still harassing me. They sent me a letter last week Thursday XXXX XXXX2023 with a letter to garnish my wages. I feel very bothered, that they keep finding my address and wrong me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NY
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 have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX 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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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
Consumer complaint received 2023-03-05
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company XXXX XXXX XXXX sends me numerous letters trying to get from me {$300.00} than i not owe. Also they bother me with EVERY day early morning phone calls. ( from number XXXX ). 
This is intrusion into my private life and attempt of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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:
My name is 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 explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
I am writing to dispute the following information that XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with XXXXXXXX XXXX ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that XXXXXXXX XXXXXXXX have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to XXXX XXXX to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.

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 2023-02-15
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). 

Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. 

Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed numerous complaints with the CHPB regarding my XXXX mortgages that i previously had with Wells Fargo loan XXXX and XXXX regarding properties XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX. XXXX MN XXXX. 

wells Fargo tried to foreclose on these properties back in XXXX. I had originally taken wells Fargo to court in XXXX and i won my case. 

XXXX XXXX ruled in my favor and had to contact wells Fargo several times after that to undo my foreclosure In about XXXX wells Fargo again tried to foreclose on my houses and would consistently deny my loan modification nor admit any wrong doing.. after many attempts Wells Fargo did a loan modification on my property at XXXX XXXX XXXX XXXX XXXX however, any monies that were in question were rolled over into the new loan. 

My property at XXXX XXXX XXXX was a different story. they refused to do a loan modification on my my house and i had to have it sold by a specific date. the house went to the Sherriff sale and went back to wells Fargo. I had to end up doing an emergency bankruptcy on my house to prevent this. i went through every process with WF Bank. the refused to admit any wrong doing with my payments. i showed proof and the result was the same. they pit the proof of burden on me when i had already showed them my payments and they had my ban statements. I've tried to go back to court, but most lawyers wont touch the bank or want more money than i have for a retainer or lawyer fees. I had to end selling my house for less than i could have gotten for the house and now the partial bankruptcy is on my credit file. there is a XXXX XXXX dollar fine against wells Fargo. i need to be part of the class action lawsuit against Wells Fargo. as the robbed me of my house my money and my credit plus all the anguish they caused me. They are the Devil.. my loan numbers were different prior to the current loan numbers. please contact me with anything that you may need from me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX social 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 2016-07-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar has been making mistakes in managing my escrow for almost two years. It appears that Nationstar has manipulated my escrow account- by reducing payments one year and increasing another year- in order to justify the increase in escrow payments and creating an escrow shortage. Such escrow increases are illegal in California because my expenses have not changed. For years my payments have been as follows : real estate taxes {$10000.00}, hazard insurance {$760.00}, and flood insurance {$1900.00}. I provided the latest policies to the VP of customer services. 

XX/XX/XXXX, Nationstar paid only {$370.00} for my hazard insurance, below the required amount. 

XX/XX/XXXX, Nationstar paid {$920.00}, above the required amount. Immediately after this exaggerated payment, Nationstar followed up with an increase in escrow. 

Nationstar 's mishandling of my escrow account has caused me significant hardship. Nationstar knew that I was struggling after the rate increase XX/XX/XXXX, when I submitted a request for loan modification, which was rejected. Nationstar knew I was struggling, and yet they manipulated my escrow account in order to force upon me another increase, in total XXXX % increase in one year, in an attempt to force me into foreclosure. This appears to be a pattern for Nationstar : for customers in trouble, after a rate hike follow up with another increase in escrow. I found many such instances on XXXX. 

Regarding my escrow account, I want to take over and manage my own expenses : it will be simpler and more efficient for Nationstar. Prior to Nationstar, I have been making payments to XXXX XXXX for 6 years, always on time, never missed a payment.

Company response to consumer: Closed with explanation