BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX {$50.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$790.00} ; 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 2016-03-12
Company: NATIONSTAR MORTGAGE LLC
State: VI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Nationstar Mortgage is the servicer of my mortgage. They have been sending me emails soliciting me to refinance. These emails state that my " rate will adjust in XXXX ''. While I do have an ARM loan, it is a 5 year arm originated in XXXX -- my first rate adjustment will not be until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Leedom Management Group, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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 bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Account information incorrect

Complaint:
To whom it may concern : I've contacted XXXX XXXX & XXXX to verify this alleged debt using the CFPB platform, and I haven't gotten a response to date. I asked XXXX XXXX & XXXX for a breakdown of fees, including how they calculated what they claim I owe. A copy of my signature on a contract or document that holds me responsible for this alleged debt. Proof that they are licensed to collect debt in my state. To cease any credit bureau reporting until I have validated the debt as required under the FCRA. XXXX XXXX XXXX XXXX failed to respond with the requested proof, so I'm asking that their report be removed along with anything associated with it be removed from my credit report.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
Results from a previous investigation was received on XX/XX/2020 from Experian stating that the account from the NC XXXX XXXX XXXX XXXX was accurate. I sent in another affidavit requesting on XX/XX/2020 for the proof of verification which resulted in another investigation where the results were the account was again reported accurate. I sent an letter to the NC XXXX XXXX XXXX to the address provided on my reports and that letter was returned, stating that the address was a " unknown '' and " undeliverable '' Address. I again sent that newly found evidence on XX/XX/2020, to the Experian demanding for the account to be removed from my credit report ; where it started another investigation. After the investigation was completed, on XXXX XX/XX/2020 Experian stated again the account was accurate. It is my understanding according to the FCRA, information provided on my credit report must be 100 percent accurate. I provided proof that the address on the report is inaccurate, yet the credit reporting agency reported the account as accurate.

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 2018-07-17
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After not paying my taxes for a year and half, they finally paid the taxes. This sent my Escrow account into the negative, which is understandable. They sent me a letter with the option to pay the escrow deficiency of {$10000.00}. The letter came with a coupon, which I returned with a check for {$10000.00}. This was posted to my account as a payment and the remaining went into principle. I called three times to get this correct before XX/XX/XXXX so I could make my XXXX payment at my original amount. Each time I was promised it would be correct and applied to my escrow account. It is still not corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Account status incorrect

Complaint:
I made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, XXXX, and Transunion updated my credit report with more inaccurate information 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 2018-03-06
Company: CORELOGIC INC
State: KY
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:
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull 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 explanation
Consumer complaint received 2017-09-20
Company: ALLY FINANCIAL 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:
Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.

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 2017-09-20
Company: EQUIFAX, INC.
State: WY
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:
Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the THIRD time I have complained about Bayview Loan Servicing. They refuse to cancel and eliminate my PMI. They claim they do not have to based on a late payment from XX/XX/XXXX. Though the payment was late, it does not usurp the Home Owners Protection Act of 1988 which states that once 78 % of the loan has been remitted, the servicer is obligated to eliminate the PMI on the loan.

Bayview has refused three times, and continues to hold onto the late payment as their excuse. This despite the fact that they admitted back in XX/XX/XXXX that I had remitted in excess of 104 % of the loan. 
They provided their " sympathies '' but stated there was nothing they could do. 
My payments have been remitted on time and NOT within the grace period, I mean on the 1st of the month when the payment is due for the last four months and we are CURRENT on our loan, so Bayview is out of compliance of the law. Last month they sent me an email  XX/XX/XXXX stating they had not yet received my payment for XXXX XX/XX/XXXX and that it was late. It wasn't DUE yet. They then sent another email to retract the first email. This company has issues, and to top it all off, they are changing their name, which concerns me even more, as I believe there has been impropriety involved with others and not just me, which is prompting the name change. I am complaining AGAIN because Bayview owes me money AND they are obligated to eliminate the PMI. I have been paying this mortgage for 15 years, and the PMI should have BEEN eliminated a  while a go, however, they neglected to inform me of the process to remove it in a timely manner, and then refused to elminiate it due to a rule that does NOT apply to this loan. 
I am hoping someone will actually investigate and hold Bayview to  account for their irresponsible and improprietous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted MOHELA. MOHELA told me that my student loan was forgiven as of XX/XX/2022. I made payments all through COVID-19. I based my retirement from government employment ( XXXX XXXX XXXX ) on having my student loan forgiven. Now MOHELA is stating that I owe {$1300.00} after they credited me and sent me a check in the amount of XXXX. I do not believe I owe any money on my loan and it should be forgiven as I was told. I even made payments through XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I purchased cosmetics from XXXX by Wells Fargo debit card in XX/XX/2017. And I cancelled the debit card in XX/XX/2017. But I returned cosmetics to XXXX and XXXX refunded money to Wells Fargo my cancelled account on XX/XX/2017. Meanwhile, Wells Fargo confirmed it has received my refund money from XXXX but failed to locate the money. I filed 3 claims to ask wells fargo to give me the refund money back to me. But wells fargo closed my claim by other irrelative excuses. I kept calling wells fargo claim center 5 times after my claim was closed. The claim customer representatives promised me twice to send me the check of refund money but they never put on actions. Last week I called wells fargo claim representative again and was told my money has been transferred back to XXXX in XX/XX/2017 and I should call XXXX. But the fact is the transaction records wells fargo transfer money to XXXX in XX/XX/2017 are my original purchasing cosmetic from XXXX not the ones Wells Fargo return the refund money to XXXX. Wells Fargo doesn't have any evidence to prove it returned money to XXXX but also doesn't want to give my money back to me just solely telling me XXXX has my money.

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 2023-03-30
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 belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-08-07
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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA. My desire is to have these inquires removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-07-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on XXXX asking about XXXX promotion he messaged me asking for acsess to account but was sending code for paypal I got email this XXXX XXXX had taken XXXX from my paypal account over drawn my bank account I reported but not response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Conn's, 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 status incorrect

Complaint:
Conn Credit Corp. is reporting inaccurate information on my credit via XXXX  and XXXX. Conns basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXXXXXX {$1000.00} XXXX XXXX {$2600.00}

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 explanation
Consumer complaint received 2020-10-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I keep receiving mail from Synchrony bank in the name of XXXX XXXX for the amount of {$6400.00} for a card I never opened. 
My name is XXXX XXXX and I have never used the name XXXX. 
I spoke with a XXXX from Synchrony Bank who stated that the card was opened in XXXX of 2019 through Paypal credit. 
I did not open this card. 
I have filed a police report with XXXX Police Department where I live. Report number : XXXX. 

This fraduluant account is 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 non-monetary relief
Consumer complaint received 2020-09-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
someone transferred {$4000.00} to me via pay pay and i was charged {$110.00} I dont feel i should be paying a fee on payments sent to me so i tried calling paypal to either transfer fee to sender or cancel payment i called for hours and there is no customer service representative available to help. 

i went through automated system that accidentally refunded the payment but charged me again. 

no emails, messages or calls are being answered. 

I want the full payment of {$4000.00} to be sent back to sender, i dont want to pay a fee an i want my account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation