BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recieved a call today XXXX  XX/XX/2023 at XXXX. I politely requested multiple times prior and attempted to make the request again that this company, portfolio recovery associates, not call me on XXXX, before XXXX or after XXXX. They have not followed this request, and this time the employee went further and began to mock my request, at one point telling me " well I do work on sunday '' and that he can't and won't take my request because I wouldn't answer his questions he was asking. I asked for his name and employee ID and I am faily sure he gave me a false name and ID the name and ID given was XXXX XXXX employee ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, I was looking for to apply for the loan for XXXX XXXX XXXX. It was XX/XX/22. 
I registered my account on Salle Mae website to get more information on loan requirements. 
When I registered on their website it was no clear data on loan application processes. 
I noticed that it was some misconduct and negligence involved when I filling out my application online. 
1- when my application was completed many of the fields in application was empty such as my work history, education level and etc.

2 - My application was declined based on my origins, and its in official report, which is contradict their own rules. When they posted decision of my loan it was specifically said that my loan was declined because national origin! And I know they can not discriminate loan applicants based on place of nationality!!! 
Conclusion : -My loan was declined based on national origin. 
- My loan inquiry was reported to XXXX XXXX services which effected my XXXX XXXX XXXX -they knew I will not be qualified for loan, but they still proceeded my application which caused my XXXX XXXX goes down - and Im feel being Discriminated by their financial institution. 
Solution :- they should cease and desist in their further harmful actions which effected my life and my financial stability. And take all false information from credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been disputing this debt almost close to a year with all XXXX bureaus. XXXX to be exact had officially deleted this debt collector XXXX since XXXX of this year. As of XX/XX/XXXX both XXXX and XXXX have added this old and charged off debt with XXXX XXXX XXXX back on my credit report. I have submitted letters to both companies requesting proper validation and proof of the charge off and to no avail my request have been respected and or even honored. I am vehemently making my complaint for improper reporting on both XXXX, XXXX, and Resurgent ( who as of recently has mailed me correspondence on the same inaccurate debt ) I have enclosed XXXX of my many letters dated back XX/XX/2023, proof of it just being added back to my credit report without proper investigation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 account. 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2018-10-26
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On the afternoon of XX/XX/XXXX my mortgage lender and title company, while preparing documents for converting my new home construction loan into a permanent mortgage, informed me that on XX/XX/2018 my neighbor had taken out a {$200000.00} home equity loan on my property which I bought a year prior to this fraud occurring. Somehow his title company included my 1.123 acres as collateral on his loan without my knowledge, consent, or signature. I only discovered this had occurred because I was set to close on my new construction home in less than a week when my title company discovered the lean. This illegal lean on my property is essentially a theft of my land and house. If my neighbors title company can not correct the mistake before Monday the XX/XX/XXXX I will lose my locked in interest rate thus costing me thousands of dollars in higher interest costs, and if the problem is not corrected before mid-XX/XX/XXXX, my construction loan matures and I will potentially be foreclosed on by my construction lender. I contacted my neighbors lender, and they would not speak to me. On XX/XX/2018, I contacted the law-firm who reviewed the loan and they advised they could not provide me the name of the title company that my neighbor used as it would violate privacy laws. He did give me a name and contact number for an individual at my neighbors lender and advised me I needed to have my neighbor call him, as they would not speak with me since I have no account with this company. The lender contact did not answer when my neighbor and I called him. My neighbor then contacted his title company who promptly picked up the phone and advised they were aware of the problem and working on it. As of XX/XX/2018, I still have not heard or received anything from anybody regarding this fraud despite the title company stating I would have correcting documents before XXXX XXXX   Central Standard time on XX/XX/2018.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
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 2019-10-08
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XX/XX/2012, FHA loans are required to pay PMI Insurance until you meet certain requirements. Well one of the requirements is that your appraisal value has to be a certain amount and your loan has to be paid by a certain amount. I called Mr Cooper mortgage company to find out when will I be able to drop the PMI Insurance and each time I call I get a different answer from the workers. This time I spoke with XXXX XXXX and he told me that I have a {$0.00} appraisal value on my home and that I would have to keep PMI insurance for the life of the loan. When they took over the loan it wasnt a {$0.00} appraisal so how can it go from X amount of dollars to XXXX. This is unacceptable and I will not stop complaining until they fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease and bought the car. Hyundai sent me the title but DID NOT send me a SIGNED Odometer report, so the DMV will not allow me to transferthe title.

I called customer service at least 10 times in the past month, escalated the issue to the supervisor line, talked with several supervisors and they all say their system is down and so they can not request the document for me. I keep on calling and no one will help, and meanwhile I can not transfer the title to my name. 
They also sent me other documents without signature ( like the CDTFA ), and I am also trying to get those corrected but I am encountering the same resistance and non cooperation.

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 2023-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2019-01-18
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage for the amount of {$120000.00} with XXXX   XXXX XXXX  on XX/XX/XXXX. Some time after that the mortgage went to a company called Greentree lending and after that was taken over by Ditech Financial, LLC. I made all of my payments to Ditech until the mortgage was paid in full on XX/XX/XXXX. I made NUMEROUS attempts to obtain a satisfaction of mortgage from Ditech but they repeatedly sent me the wrong one that was for the previous loan of {$80000.00} that I was refinancing onXX/XX/XXXX.  After months and months of frustration and never being able to talk to the same customer service person and because the house was being sold I passed the job on to my lawyer. My attorney was not able to get any results either so they hired a company that specializes in these issues..Again no cooperation from Ditech. In the interim my house was sold and the title company witheld {$5000.00} from my sale proceeds due to the missing satisfaction of mortgage. My attorney tells me that now the title company is attempting to resolve this but I have not seen any sign of hope that Ditech will cooperate. It's been 2-1/2 years since I paid off the mortgage and have had to deal with the effect on my credit as well as not receiving my {$5000.00}. PLEASE HELP!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi My name is XXXX XXXX. I am writing to file a complaint and seek refund regarding to a {$380.00} payment that I made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through Paypal. 

On XX/XX/XXXX, I made the {$380.00} payment to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by using a Visa card ending in XXXX through Paypal account ( XXXX ), and the transaction ID is XXXX. The payment was aiming to be made to XXXX XXXX XXXX account XXXX. However, until XX/XX/XXXX, XXXX XXXX XXXX  still has not received this {$380.00} payment. 

I called Paypal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding to this issue and didnt received any solution addressing the issue of XXXX XXXX XXXX  didnt received my payment. On the call with Paypal customer service, I requested a proof that can show my payment was indeed paid to XXXX XXXX XXXX such as a wire, ACH or check, but those information wasnt shared with me. 

I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX customer service agent claimed the payment of {$380.00} was not received and further Paypal was not a recognized payment method. XXXX XXXX XXXX even opened a payment search case for me and case number is XXXX. On XX/XX/XXXX, XXXX XXXX XXXX called and confirmed that they didnt receive {$380.00} payment. I also attached a screenshot of payment history from my XXXX XXXX XXXX account which shows no payment of {$380.00} was paid to my account. 

Since Paypal cant provide proof that my payment was paid to XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX claimed that they didnt receive this payment, I am seeking a refund of {$380.00} to my original payment method which is card ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the XXXX Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must 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 2019-06-10
Company: Experian Information Solutions Inc.
State: TX
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 submitted a dispute prepared by an attorney to this company and court documents that showed the account owner legal case had been dismissed and therefore LEGALLY SHPULD NO LONGER BE REPORTED. As it was explained to me if a company can not legally collect a debt it should not be reported on their credit report THUS THIS ITEM SHOULD BE REMOVED. 

Not only did Experian not look into the legal aspect of the matter they also reaged my account which is illegal and not in accordance with the Fair Credit Reporting Act. Time barred accounts are supposed to have the correct date of charge off. Experian UPDATED the account as if it had just been charged off this month when in reality it was charged of YEARS AGO. 

ACCOUNT NAME : 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 2023-08-07
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:
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.

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
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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