BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in the middle of a loan modification over a covid forbearance plan i was on, during the modification Mr. Cooper my loan servicer did not apply a payment correctly, this was corrected and I was sent documents to sign while I was on vacation with no notice of this. When I got back I called Mr Cooper and they told me it was OK as long as they are sent by the end of the month, which they were. My modification documents were received on time ( admitted in a recorded call by Mr Cooper ) and they told me to wait and do not pay for the month of XXXX yet. I waited and called again and they stated on a phone call also recorded by the company that they were sending new documents to resign and be patient. I continued to wait into XXXX when I called again, I was told to continue waiting. Eventually on XX/XX/XXXX I called again and was told that there are no new documents and that I need to just make the XXXX and XXXX payments for the modification to finalize. I made a payment to that representative for {$3000.00} as shown in my bank statement attached, in a recorded call again by the company, to go to the XXXX and XXXX payments. Days later my mortgage was transferred to XXXX XXXX XXXX. Now XXXX XXXX XXXX displays my XXXX payment as missed and are threatening to put me in collections. I had a three way conversation with Mr Cooper and XXXX  on XX/XX/XXXX, recorded by both companies, to which I was told after an hour of the Mr Cooper representative looking into it that it clearly was paid but not applied, that it was instead applied to " bookings '' and that I should just pay the XXXX payment. I can not do this and my money is basically in limbo. I was told to send an email to address that I already emailed and got no response from. I have also attached the screenshot from the Mr Cooper employee showing my payments but not applied properly. Now as of XX/XX/XXXX MrCooper has responded to me with their final investigation and claims that a payment from XX/XX/2021 was reversed and this money was applied to that, but as I was in the covid relief plan there was no payments made at that time, so the money has effectively disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions 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:
I have made numerous disputes through Experian regarding the incorrect reporting by XXXX XXXX XXXX. Experian is aware that my identity was stolen, due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Experian, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Experian during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XXXX/XXXX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX Collection Agency, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XXXX/XXXX/2019. In less than a month, on XXXX/XXXX/2019XXXX XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Experian to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX   XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XXXX/XXXX/2019 and sold the account. I would like for Experian to remove XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-03-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have sent many letters to Lexis Nexis and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from Lexis Nexis on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXXXXXX XXXX XXXX both are reporting different information that what is on the Lexis Nexis report where they continue to say they are verifying it and clearly but the reports all of them have different informationXXXX XXXX  deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to Lexis Nexis asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on Lexis Nexis, XXXX, XXXX ( which deleted it ) and XXXX. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from Lexis Nexis. Still no response from XXXX  or XXXX about investigation and where it comes from only that it is verify by Lexis Nexis and still all 3 have different information being reported. I have sent yet again the form filled out again to Lexis Nexis along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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:
hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.

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 2020-01-17
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. This last year my wife and I opened up loan requests to refinance our home. My wife did have a bankruptcy XX/XX/XXXX and foreclosure XX/XX/XXXX and I brought this information to light from the very beginning with Keybank. I told our loan officer XXXX with Keybank in emails that we were not to move forward with any part of the loan if our information and those important dates withheld us from closing shortly and he confirmed via email it was not a problem. Paired with this problem was Keybanks title department XXXX who chose to pursue employment information I had not listed as primary althewhile not including the employment information I had provided as primary. This resulted in our first denial. After getting them to the proper information and at this point we qualify via credit and all other requirements and are anticipating closing documents. Keybank sends us a denial saying my wife 's previously mentioned foreclosure meant we must wait until XX/XX/XXXX for close. So XXXX of Keybank said we will revisit this next XX/XX/XXXX. 

I find so many part of how this situation being handled as misleading and misrepresenting. If Keybank had said our dates and information were a problem we would never ordered appraisal or signed disclosures with locked rates with Keybank. We could have been working with other banks or keybank to lock in a nice rate in  XX/XX/XXXX for a late XX/XX/XXXX close. I believe Keybank is potentially responsible for me enduring a much higher refinance loan as a result of their delays. Their misleading actions will cost me additional months of pmi costs as well. Multiple loan agencies including XXXX, XXXX XXXX, XXXX XXXX I have spoken to are now offering to have all of these things set in place for us by lateXX/XX/XXXX early XX/XX/XXXX. I also requested Keyank to provide this for me and they have not provided anything or any response. I have all emails pertaining to these topics. I am contacting you because I have requested Keybank to simply refund my XXXX  appraisal expenses as a result of their actions and to move forward with another company. Keybank has not responded and it has been over a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.

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 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my Capital One credit card that had a balance of {$6200.00}. On XX/XX/XXXX, Capital One accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, Capital One continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX   Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. 
I am therefore filing this complaint against Capital One and seeking your help in getting them to correct all three CRA reports accordingly. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-02-25
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  is my loan servicing company. I have had my home for just over 15 months and put down/paid off about 10 % of my principal mortgage amount. 

In my area in XXXX Florida, the housing market is on fire. Homes around me with similar Sq ft. are selling for well over what I paid for my home. 

This fact sparked asking my loan servicer if I could pay for a new home appraisal so that if the new loan to value surpasses the 20 %, I could get rid of my XXXX XXXX  XXXX ( XXXX $ XXXX ). 

I asked for a supervisor to ensure I was given correct information once I received a letter of my options. The Option that best serve me stated that is I had made substantial improvements to my home and paid for an appraisal of my home and it came back more than the shown amount on the letter, my PMI would be retired. 

Since my call and point of view is the housing market itself has increased the value of my home substantially in the last 15 months, I wanted to check if this fact was sufficient enough for XXXX XXXX  to allow me to pay for the appraisal Without listing Substantial improvements. To my delight, the supervisor representative from XXXX XXXX  agreed and reassured me that if I sent a check for the appraisal performed by XXXX XXXX  and resulted in the new home value over the amount listed in the letter, my PMI would be retired! 

Now here is my complaint. Weeks later, I hear nothing from XXXX XXXX  until I call and ask again to speak to a supervisor ( most normal agents they have are novices in mortgage and simply read scripts and a computer screen ), and ask what may be the holdup on my appraisal??

The supervisor stated that because my property HAS NOT made any substantial improvements, they would be sending my check back to me and not performing an Appraisal!!

I pleaded the only reason why I sent a check in the first place was because of one of their supervisors assuring me of the appraisal being done without needing to provide home improvements! 
This conversation lead to other supervisors and all of them are reading a script. Denying my chance to an appraisal that would clear my loan to value well under 80 % and cancel my PMI. 

I believe this is incredibly Unfair, unethical and unjust! I should be allowed to PAY for an Appraisal of My Home at anytime if I feel the results would PROVE my homes value can cancel my PMI! 
I hope this email finds the correct path to a better mortgage experience holding loan servicers responsible to unfair, unethical and unjust practices. 

Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
XXXX  account is in litigation and should not be reporting. I have sent off letters several times stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Seller email : XXXX I went to a website ( XXXX XXXX XXXX  ) to buy a XXXX XXXX XXXX XXXX XXXX for {$66.00}. I click on PayPal payment & it went to XXXX XXXX but not his company. He sent me an email with an order # ( Order Number : XXXX Products { " XXXX '' : '' XXXX XXXX '' , '' qty '' : '' 1 '', '' price '' : '' XXXX '' } Total : {$66.00} ) and never heard from him again. I tried to contact him XXXX  times via the same email : r <Service Customer XXXX XXXX, but no answer, seem wrong email. 
I really need this investigated to get my merchandise or my money back. 
I tried to get my money back through XXXX XXXX  or PayPal but they told me that they can not help me recover my money back. 
Appreciate Thanks

Company response to consumer: Closed with explanation