BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
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I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had recently sent a request for my all 3 of my credit reports by free annual credit report and TransUnion responded and requested for information. In response to TransUnions request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.

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 2020-02-16
Company: EQUIFAX, INC.
State: NV
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:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: NV
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 have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting .. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX HOSPITAL 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 2019-05-12
Company: SYNCHRONY FINANCIAL
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:
My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX   for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank 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 2020-02-16
Company: Experian Information Solutions Inc.
State: NV
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:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-02-16
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been with Mr Cooper home mortgage for over 6 months. Ive not once gotten a bill called several times to get one. Beginning of 2020 they went up due to there miss calculation on escrow it went up. Well heres another problem I dont get bill so only reference I have is I keep copying the slips they gave me at closing. I was short this month. Got call last week about that on Saturday paid that. Then they get call this week on Saturday saying I was short again. Ive pleaded with them to mail be a bill. They will not do it unless I call and ask them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently pulled my credit report and noticed inaccurate tax liens on my credit report.On XXXX XXXX I sent a letter to Equifax regarding this matter. I stated that under the new law effective XXXX XXXX2017 any public record data must include name and address as well as SSN or DOB. I asked Equifax to please provide me with this information and they fail to do so I was not provided any documents supporting this incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: MA
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:
I have contacted Experian several times myself, as well as via XXXX ( paid service ) and MasterCard credit protection service. Experian will no report my XXXX XXXX card that is closed, that is reported by both XXXX  and XXXX  because the account is in good standing when closed in 2013. XXXX XXXX has been contacted and they have contacted Experian as well. Experian also is quite unprofessional and rude when speaking with them and said if I want me card reported I can enroll in their Experian service that I have had prior and the XXXX XXXX card that was closed in good standing was reported that cost me {$39.00} per month. I believe that is illegal, at minimum amoral. I do have a current XXXX XXXX card that is unrelated that is being reported properly so the two are not confused. This is effecting my credit score negativity by 45 points based on comparing all three credit reports and scores in real time via XXXX. This is within the time limit the are required to report accounts in good standing by statute. Please help as my fiancee and I are looking to apply for a mortgage this spring. Thank 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 explanation
Consumer complaint received 2017-11-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services refuses to return our escrow funds to us after closing on our home where they serviced the mortgage on XXXX XXXX, 2017. We already paid the county our portion of the annual taxes at closing, and Carrington Mortgage Services says they are " choosing not to return '' our escrow funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.

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 2017-11-02
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:
I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez LLC / Shellpoint Mortgage are companies involved.

Shellpoint applied private insurance and increased monthly loan payment over {$100.00} with no just cause. Prior to XX/XX/2022, payment was {$430.00}. Currently, it is {$560.00}. 
This is our mother 's mortgage and she is XXXX and is very distressed that no one will help and all our attempts to get help with Shellpoint have been a ridiculous waste of time. In XXXX, our mother was so distressed after a call, she became ill and had to seek medical attention. 
The reason Shellpoint increased the payment was due the 'loss ' of Insurance coverage documentation after a change in their organization. Since XXXX, we has verification of Insurance on multiple occasions. We also mailed hard copies, along with our POA documentation ( which they also couldn't find ). We have contacted Shellpoint no less than 10 times in the past six month by phone, email, fax and us mail. When we call, we continue to be told an escrow analysis must be ordered, despite having ordered an escrow analysis on several prior occasions. We have been told there is no supervisor, there's no way to speak with a person in loan servicing, and today we were told Shellpoint doesn't make outbound calls if we leave a message -- and to reach someone in the insurance or escrow analysis department we must call back ( can't be transferred ). We tried to send secure messages using the Shellpoint website and that feature does not work. 
I can provide dates, names, email exchanges, etc. 
We plan to contact the XXXX XXXX XXXX and begin a campaign on social media. The anxiety and pain they have caused our mother is unforgiveable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i 'm not sure if this is something wrong or what happen.. but hoping you can assist me. I took out a {$600.00} loan two months ago for car repairs.. now I only owe {$430.00} XXXX but my score dropped 25 points like 2 weeks after taking out the loan ( i understand that 's normal ) ... However the most recent checkup last week it dropped another 49 points, just confused as to why if I continuesly make my payments on time without making any changes or anything. It was at XXXX, then got reduced to like XXXX, now it 's at XXXX? am I missing something here or?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: DISCOVER BANK
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 have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX. If you claim this account is XXXX XXXX accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2017-11-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was closing on the refinance New penn told us to close certain credit cards when we stating they didnt tell us we signed the initial documents and showing what was being paid off.New Penn double charged me for the appraisal fees when I provided proof showing that I paid my appraisal fee with different lender they still charged we were told that we are going get our money back.New penn financial should not have close credit accounts if the loan was not approved.This has been the worst experience applying for a loan they ask me provide divorce decree for something happened back in 2004 it doesnt have anything to do with current lender.They prolonged the closing date 3 times because they didnt verify documents. I am asking for my {$600.00} appraisal fee back, also the extra mo

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 2020-02-16
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 have to account is close still show open In my credit report 1- XXXX XXXX 2- 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