BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Many issues with Flagstar Bank : 1. We purchased a home with the builder of our home and closed on XXXX XXXX. 
2. The loan service was XXXX XXXX. 
3. We paid our mortgage ON TIME. First loan payment was XX/XX/XXXX. Second payment was onXX/XX/XXXX. 
4. WITHOUT BEING TOLD ( we did not receive a letter from XXXX XXXX ), they " sold '' our loan to Flagstar. First time we were notified wasXX/XX/XXXX by Flagstar Bank that they had our loan. The letter stated we owed them for XXXX AND XX/XX/XXXX payment. 
5. I immediately called XXXX XXXX and Flagstar Bank. Both had a descrepancy on the " loan sell '' date. XXXX stated XX/XX/XXXX, therefore they keep my XX/XX/XXXXpayment, and Flagstar stated it was XX/XX/XXXX, therefore they keep my XX/XX/XXXX payment. 
6. Flagstar then proceeded to tell me to " double pay '' my mortgage. And that way they will " reimburse me '' when it gets settled. I told them I am NOT interested in paying a double mortgage, when the FAULT IS THE INSTITUTIONS. Not mine. 
7. I have several documents showing the exchange, my payments, etc. 
8. I then receive a confirmation email by XXXX XXXX by Flagstar Bank on XX/XX/XXXX stating that she received an email from XXXX stating that they will receive the payment and she was " sorry it took so long to resolve the issue ''. 
9. They still have not fixed the account. I have been paying the mortgage every month and writing them a confirmation # that the mortgage I am paying is for the on-time month payment, since they have NOT fixed my account. 
10. This has affected my credit.

11. Additionally, they are saying that I owe them money now for home owners insurance and property taxes WHICH HAVE BEEN PAID and I have sent them documentation of proof. Additionally, I have a PMI wrapped into my mortgage payment and they are saying I never paid that and that they were taking it out of my escrow. Which is FALSE. My mortgage payment is with the PMI of {$320.00} built in for a total of $ XXXX/month that I pay. Now they want me to pay them an additional {$3100.00} because they said I never paid them. 
12. I am on the phone with them at the moment, and they said that their internal departments DON'T SPEAK TO EACH OTHER and therefore they have no proof of payment nor email exchanges, nor that there was a previous lender. 
13. THIS FEELS VERY PREDATORY.

14. I pay all my bills on time. I am very responsible. I work very hard to provide for my family and my community as a XXXX. I have now spent over 80 hours of my time in the last 3 months to resolve their institutional problems that is AFFECTING MY CREDIT AND MY BANK ACCOUNT.

15. Please help. This is just unacceptable.

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 2022-02-04
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: Was not notified of investigation status or results

Complaint:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

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 2019-05-18
Company: EQUIFAX, 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:
I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is not my account and it needs to be deleted immediately from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that need to remove : XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021

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 2022-12-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times and the problem has not been resolved. Please " CFBP '' help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX, I called LCA Collection Agency and notified them that my bill have not been paid by secondary insurance company and that I have filed a complaint with the XXXXeorgia Insurance Commission because I was having problems with getting XXXX XXXX to process this claim along with 7 other bills they stated no problem. Once I get a response to payment let them know. I received an email from the Insurance Commission of Georgia stating the claim have to be filed in the State of Florida and the claim has been forwarded to that state for process. I notified LCA with an update, On XXXX. LCA put the bill on my credit report. I have reached out to the Supervisor at LCA but I had to leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received proof of a VISA credit card charge that was refunded to me by a XXXX merchant, XXXX XXXX XXXX XXXX, through their bank XXXX on X/XX/2017. The merchant claims that the money was returned and the funds withdrawn from their account. My credit card issuing bank, Wells Fargo, states that they never received the money. I tried to contact XXXX, but they tell me to contact Wells Fargo. The dollar amount that was charged was {$4600.00} and the proof of refund from the merchant through XXXX banks states the amount as XXXX XXXX. I have contacted the merchant, Wells Fargo and XXXX, but know one can tell me where my refund is.

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 2019-05-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Purchased a watch from very convincing website, XXXX XXXX XXXX on XX/XX/19 paid via moneygram {$820.00} plus {$70.00} fee. Funds were picked up by XXXX XXXX in XXXX, XXXX at XXXX CST on XX/XX/19. Reference # : XXXX I received confirmation emails on the process of the watch. Last email stated watch was in quality control dept. As more and more time passed, i sent several emails asking when watch will ship out. Owner, XXXX, only replied once saying everything was fine. Then i read reviews online and people said its a scam, your order will stay in quality control status forever, and the owner never returns emails or answers the phone, and your money is gone. I sent several emails and called and no reply. Never received watch. ( His other sites are possibly XXXX and XXXX ) These sites need to be shut down. Moneygram needs to contact them and prohibit them from using moneygram as a form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX  ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: KS
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.

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 2022-02-04
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: Information is missing that should be on the report

Complaint:
Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.

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 2022-02-04
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: Reporting company used your report improperly

Complaint:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

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 2019-09-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX  ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most 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 2022-10-04
Company: EQUIFAX, INC.
State: NY
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 notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently checked my TransUnion credit report and a CLOSED XXXX XXXX credit card account is reporting along with my OPEN XXXX 's credit card account. This caused my scores to drop nearly XXXX points. I have attached a screenshot of the reporting. Per the provisions of the Fair Credit Reporting Act, reporting of open, active accounts must be 100 % accurate and any investigation request must be completed within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : NXXXX XXXXC XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2021-12-28
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had constant email communications with this company. Out of frustration I called and agreed to auto payments. After that I would just shred bills because of auto pay. Never received a phone message and never received an email to let me know that I was still in default. 
Yesterday I received a letter stating that I was in default with little to explain the charges. I then sent several emails asking for clarification. 
Is it legal to charge {$42.00} for an outstanding balance of {$5.00} without disclosing this to me during my agreement to auto pay?

Company response to consumer: Closed with explanation