BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent an escrow payment to Nation star Mortgage in XX/XX/XXXX, certified mail to the escrow dept. They applied it to my mortgage payment instead which had already been paid.I had to call Corporate to get it reverse. I call Nation star mortgage on XXXX XXXX and spoke to XXXX in the Arizona office and she told me that my account is one month past due, which I disagreed with her. She went back to XX/XX/XXXX and told me there wasn't a payment made. I explained to her about the error they made with my escrow. Then she told me there wasn't a payment made it XX/XX/XXXX. I have an email from them thanking for my XX/XX/XXXX payment. The escrow check was for XXXX and it reach their dept. on XX/XX/XXXX. My mortgage payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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 have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the FTC about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an FTC report for identity theft.

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 2018-04-27
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
See Complaints XXXX & XXXX. This complaint is added on. I reiterate, my wages are getting garnished at $ XXXX/pay period $ XXXX/month. This is not my loan. 
Secondly, This is on the Department of Labor Website for California : The most that the Department of Education can garnish for a student loan is 15 % of your disposable income, but not more than 30 times the minimum wage. The garnishment paperwork states up to 25 % The minimum wage in California as

of XX/XX/2018, is $ XXXX/hr, 30 times XXXX is {$330.00}, i am losing $ XXXX/pay period. Not sure if the 15 % is per pay period or per month. I need help immediately.

I am submitting a Loan Discharge Application for False Certification to the US Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I wanted to opt out of reporting for Early Warning Services. They informed me that I was not allowed to opt out as they had a right to release my consumer report to whoever asks for it. This is a direct violation of the Fair Credit Reporting Act. Pursuant to 15 USC 6802, it is my right, not a privilege to opt out of any reporting agency. Early Warning Services is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal complaint Account : XXXX ( XXXX ) This is my second complaint against PayPal Inc, PayPal Credit within one month ( see case # : XXXX ) Upon my first complaint PayPal Inc responded in a childish manner that they feel as though anyone ( me ) opening account with PayPal is  taking oath for life to provide my bank information. 

No, PayPal Inc. I didnt marry you. 

PayPal have underperformed for quite a long time with me, doing business the way PayPal ill written policies are. I am not OK with this type of business, and I am done with PayPal. 
PayPal Inc, PayPal Credit does not respond to emails ( screenshot attached ) as normal businesses do within usually 24 hours. 
PayPal Inc, PayPal Credit treats customer as a nuisance not a business partner.

I believe PayPal is governed in our country by the same laws that govern all banks and financial institutions. 

Over the years I opened and closed more than 20 accounts with banks and other financial institutions. I paid up my balances and closed those accounts. 

PayPal has the audacity to reply to complaint I wrote to FTC as though the laws of USA do NOT apply to their institution. 

FACTS : Upon receiving statement on XX/XX/18 asking me to pay/cover my balance of XXXX I sent payment by check ( check # :1 screenshot attached ) On XX/XX/18 PayPal Credit posted check to my account ( screenshot attached ) On XX/XX/18 PayPal Credit cashed my check at my bank ( screenshot attached ) PayPal Credit did not apply this payment to my balance. 

PayPal Credit usurps to have some rights to me and my bank account. 

No, no bank or financial institution has that right. 

By this letter I am canceling my relationship with PayPal Inc, PayPal Credit and any other businesses containing PayPal in name. 

Apply funds available on my account to my outstanding balance CLOSE MY ACCOUNT ( 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 2018-04-02
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting a specialized collection with XXXX XXXX  XXXX. I disputed this with all three credit bureaus, but Equifax is the only one still reporting it. This account is not mine, and I have been trying to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Tranunion is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX i need all these fraudulent inquiry removed from my 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 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
PORTFOLIO RECOV ASSOC Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay Portfolio Recovery Association. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
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 fraud alerts or security freezes

Complaint:
Throughout the week of XX/XX/2019 I contacted XXXX, XXXX and TransUnion about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, XXXX  and TransUnion reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 TransUnion and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX XXXX XXXX XXXX states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person 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 2018-10-17
Company: Risecredit, LLC
State: DE
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 paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: United Military Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was interested in getting a Loan through lowvarates.com and I applied online. I was a mortgage broker in the past so I was very familar with the process. I was working with XXXX XXXX LOAN OFFICER NMLS # : XXXX, Branch NMLS # : XXXX, NMLS # : XXXX XXXX Office : XXXX Cell Phone : XXXX. I applied for the loan as he requested and filled out all the information that was requested to get a loan estimate on XX/XX/XXXX. I continued to ask for a loan estimate as he promised me a fixed rate of 2.5 % with some very low fees. I requested the loan estimate numerous times over the next 7 days through the chat feature online. He said I had to upload more and more additional documents. I finally uploaded over 25 additional documents that he requested. I had just went through the loan process a month ago and did a cash out refinance, and now I was looking to refinance again because I could do a NON cash out rate that would drop my interest rate from 4.125 % to the 2.5 % he quoted me. After uploading all the additional documents, he STILL REFUSED TO SEND ME A LOAN ESTIMATE and said he was not going to do it because he didnt want to do the loan because it would take too much time. I told him he was required by law to send me one and he still refused. After all this time, he stopped responding to my request and tried to pawn me off to another company. At that time, I wrote a negative review on XXXX concerning his conduct. 

He also erased everything from my file, so everything that I upload is no longer available after I spent 2-3 hours uploading these additional files I created. 

The SAME DAY as I posted the negative review, XXXX retaliated against me and RELEASED MY PERSONAL INFORMATION to his company and they pulled business from me as a notary. I had a signing with lowvarates.com to close a loan for them as my job as a notary. That loan was canceled by Lowvarates.com at his request, which has never happened in my previous 13 years as a notary. I have documentation showing the " fake '' loan with the 2.5 rate AND the cancelation notice from his company the day my review was posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by Covid 19 my husband lost his job and he has just recovered from XXXX XXXX  prior to that and the kids had to stay home and I have XXXX  children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of COVID-19 and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX XXXX XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And I have an credit card account with XXXX XXXX XXXX XXXXXXXX na its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the PO Box .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Convergent Resources, 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: Account information incorrect

Complaint:
Back in XXXX, I had switched my existing wireless phone lines to XXXX   considering their 30 day satisfaction guarantee. However, within a month I realized the poor network coverage and internet issues and decided to return the devices I bought back to XXXX. I followed all the instructions from the customer representative from XXXX and they sent me pre-paid labels that I used and returned all the devices along with the boxes, accessories, etc. 
I moved my service back to XXXX XXXX XXXX and replaced my phone number. I did not receive anything in the mail from XXXX but received a letter from Convergent Outsourcing after a month or two trying to collect ~ {$3000.00} from me for XXXX. I immediately called Convergent and then XXXX to get justification on these charges. XXXX confirmed they had received the devices and that it was billed in error to me, they made adjustments to the amount and I was asked to expect a final bill around {$80.00} which I paid once received. 

Convergent Outsourcing reported to the Credit bureaus as collections, an amount of ~ {$3200.00} on XX/XX/XXXX, two years well after the account was closed, without my knowledge. 
I still see the remark on my credit reports ( XXXX, XXXX  and XXXX  ) as collections affecting my credit scores negatively. Considering reporting error from XXXX and Convergent, this should be removed from my credit report and should not affect me in any way. 

It is unfair for a company to charge 300 % more in error to a consumer, then report it to the collections, settle the entire amount and then report after two years to the credit bureaus to impact consumers credit scores negatively.

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 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I am trying to reinsert a deleted credit report " XXXX XXXX XXXX XXXX '' the company is trying to reinsert it with my consent and sent the report several times to transunion with reinsertion form, but transunion is not reinserting it, they are miss handling and not working according to the law. I have profe that they are recving it but they keep on saying the didn't recive it, pls see attachments.I have wasted lots of money and time sending faxs, mails, but the company keeps on ignoring and miss handling 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 non-monetary relief
Consumer complaint received 2019-03-25
Company: Commercial Recovery Systems
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This Morning a process server called me from a Private number left a 48sec msg. Yawning and tired.XXXX XXXX. I will be served as a civil complaint Wednesday theXX/XX/XXXXand for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX XXXX XXXX XXXX direct line XXXX.14min call about XXXX XXXX account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called XXXX XXXX and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief