BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to this company in mid XX/XX/XXXX. I received both an email and a print letter from my old mortgage company ensuring me that I would not experience any disruptions in my payment plan. I paid my mortgage on the XXXX of the month with my old servicer. I allowed one week to pass and noticed on XX/XX/XXXX that no payment had been applied to my new Mr. Cooper account, which indicated that a payment was due and would be late the following week. On XX/XX/XXXX I made a payment through their website. On Monday XX/XX/XXXX, two of my full mortgage payments plus additional principal totaling {$1400.00} were deducted from my account. 

My husband called Mr. Cooper immediately on XX/XX/XXXX, explained the situation, and asked what we need to do to have one of the charges reversed. They said that they could not to anything until both payments had posted and to call back. On XX/XX/XXXX after the payments had processed he called back. The Mr. Cooper rep told us that this happened because we have two auto pays set up when it is clear on their website that we have XXXX, but that they could refund one of the charges. My husband, the Mr. Cooper customer service rep, and a rep from my bank got on a conference call. Our bank rep confirmed the account numbers and the duplicate charges. The Mr. Cooper rep assured us that our refund was being processed and we would see it in 24-48 hours. 

After 48 hours had passed, we called back to inquire about why we hadn't seen our refund yet. The person explained that we must have been confused and that our refund was processing but it would actually take three to five business days. 

On the fifth business day since our initial request, we still had no refund so we called again. We spoke to a new representative who told us that no refund was processing on our account and that the person we spoke to the first time made a note on the account but " didn't know what she was doing '' so the process had not even been started. At this new person 's request, my husband went to the bank and got a partial bank statement showing the duplicate charges ( which our bank had already verified on XX/XX/XXXX ). He was instructed to send them in to a generic email address and told that whoever saw them would " know what it was for ''. We were told we would see our refund within two business days. It is now the second day and it is clear that nothing has been initiated on their end. They are holding {$1400.00} of our money hostage despite our multiple attempts to resolve this and complete compliance with their repetitive demands. 

On XX/XX/XXXX I sent the company an email explaining that if my situation was not resolved quickly I would be submitting a complaint to the CFPB. They replied quickly to my email stating that they were sorry for the poor customer service and would be calling me to discuss. They never called so I am submitting this complaint two days later as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2022, I disputed {$900.00} in total charges to merchant XXXX paid with my debit card. TD Bank requested additional information, which I provided to them in writing, by email, and by the date specified. Prior to emailing them this information, I went into their XXXX branch with my documentation and they were unable to fax it to the claims dept due to technical issues. Following this, they erroneously reversed my credits claiming they never received the additional information from me, charged me erroneous overdraft fees, and made my account negative. Since then, I filed numerous complaints with the CFPB under my other email account, XXXX. and uploaded proof that they received the information, and uploaded the requested information. On XX/XX/2022, TD Bank, once again, reversed the credits, causing my account to be negative and charged me erroneous overdraft fees. Yet, on XX/XX/2022 they sent me a letter stating my credits were final, but have failed to credit my account. TD 's actions have caused me substantial injuries. They have wrongfully withheld my money for five months, despite my makjng numerous complaints through CFPB, to their escalation team, and their legal dept, which has all been in writing. They have prevented me from paying my living expenses and XXXX related expenses. This has ccausedme severe XXXX XXXX. They have ignored my repeated reasonable accommodation requests for them to fix this problem, which I most recently made on XX/XX/XXXX and XX/XX/XXXX. I submitted both requests in writing to their branch which were completely ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I got my car from Kings of Credit/American Car Center in 2021. My payments were always reported to the credit bureaus. They were shut down at the beginning of this year ( not too sure why ). After they were shut down, I started having to do my payments through a collection company called Westlake Portfolio Management. Since American Car Center was shut down, its been taken completely off my credit.. which I understand. But now my credit has gone down because Westlake Portfolio Management has not reported any of my payments. So not only is my credit score low, it now looks like Ive never had a car in my name. I feel like Ive been paying on this car for XXXX years while also trying to fix my credit all for nothing! I have nothing to show for it. But a low credit score. Can they do this??

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 2021-10-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The following complaint is in reference to my HSBC Direct Savings Account # XXXX In XX/XX/2021, I received a solicitation message from HSBC bank about the availability of a new multicurrency account called XXXX XXXX. I immediately opened the new XXXX XXXX  account ( Exhibit # 1 ) and on XX/XX/2021, I converted {$100000.00} into Euro currency receiving EUROXXXX. In XX/XX/2021, I received a communication from HSBC stating that I need to close my XXXX XXXX account by XX/XX/2021, otherwise If your XXXX XXXX Account remains with a balance after this date, we will automatically convert any foreign currency balances in your wallet at the current FX rate and deposit the USD equivalent into your US HSBC deposit account. We will then proceed to close the account on your behalf. Basically, HSBC Bank is forcing me to convert my Euro money into USD and take a financial loss of {$5000.00} or more. On or around XX/XX/2021 I called HSBC Customer Support Hotline to let them know that I do not intend to take that loss. I also reiterated that its HSBC Bank obligation to hold me harmless from any risk or loss arising only and exclusively from its management decisions. HSBC Bank NEVER disclosed to me that the XXXX XXXX account will have a limited life and duration when they enticed and solicited me to open that account in XX/XX/2021 ( Exhibit # 2 ). Having said that while reiterating my strong resistance to convert my EURO currency into USA and take a huge loss I requested the following : 1 ) My XXXX XXXX account to remain open until I deem convenient for me to close it. 
OR 2 ) HSBC Bank transfer my EUROXXXX money into my external EURO account without converting it. 
OR 3 ) HSBC Bank transfer my EUROXXXX money by converting it into USD and credit {$100000.00} into my HSBC Direct Savings account so to hold me harmless and avoid any financial loss. 
Since then, I did not receive a definite answer from HSBC bank other than a callback promise that never came. This is the reason for my complaint with your office. Hopefully you can assist me to protect my assets and avoid a financial loss arising from HSBC Bank management. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report is showing multiple soft and hard inquires that I don't recognized and I've never had them before and this is badly affecting my credit score.

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 2021-10-21
Company: Genesis FS Card Services, 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:
On XX/XX/ Ive noticed this card from milestone on my credit report never seen a card from them a day in life my identity has been stolen for almost 16 years now I have freezes on all my credit reports .their reporting an XXXX usage of a card never seen the card never got the card its soo bad that Ive never heard of the card or the stores the cards was used at but I digress. I just want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-08-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A COLLECTION BY THE NAME OF JEFFERSON CAPITAL SYSTEMS ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX ) WAS PLACED ON MY CREDIT REPORT DATED XX/XX/2023 with a balance of {$3000.00}. THIS COLLECTION IS INACCURATE AND DOES NOT BELONG TO ME NOR WAS NOT APPROVED BY ME. I REACHED OUT TO THE SAID DEBT COLLECTOR AND HAVE NOT RECIEVED A RESPONSE WITHIN THE 30 DAY PERIOD GIVEN. PLEASE REMOVE THIS OFF MY CREDIT FILE, IT IS DERROGATORY AND PREVENTING ME FROM ESTABLISHING NEW CREDIT LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: General Collections & Recoveries, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot # XXXX was over paid and they returned the over payment, Then this month XX/XX/2021 I paid XXXX to Loan Depot with Confirmation # XXXX have been getting calls today stating that the loan has not been paid. I have enough problems with a XXXX XXXX, XXXX XXXX XXXX. 
Even my loan statement does not look right, it is a XXXX XXXX with a due date of the XXXX of XXXX, should it not be XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Whenever I have transaction withdrawal paypal is playing and XXXX and there is no proper complaint system to escalate this issue to the higher level all what I can do to complaint to XXXX XXXX XXXX  and when I do that then they transfer my money on same day everytime when I enquire about my transaction the agent is saying is saying its transferred from our side and you have problem with receiving bank and when I ask them to give me the telex copy then they say wait for 15 days so why this lie everytime? 
XXXX this is transaction ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Monday XX/XX/2021 multiple charges were made on my checking account totaling {$900.00} dollars. I called TD bank to report fraud I was told I had to wait 24 hours before I could report. I called back on XX/XX/2021 and the phone representative said they couldn't help me. I went to the bank itself on the XXXX, to finally report in person and receive a new card. Still haven't gotten my money back and Td is provided me with no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-20
Company: EQUIFAX, INC.
State: MN
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:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 45 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: MS
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:
In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: DE
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/2023 I have communicated to XXXX, XXXX, Experian about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.

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