BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there

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 2019-05-17
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, I spoke to XXXX XXXX XXXX with regard to lowering my mortgage payment and escrowing my real estate taxes. I sent them a letter of request asking them to advise me after a payment of {$180000.00} what my new monthly payment would be for the remainder of the original loan terms. 
I received a response that after receipt of the lump sum payment my mortgage payment would be around {$340.00} a month but since I have always paid my real estate taxes separately they would not be able to calculate a monthly payment with taxes included. I called XXXX to advise that I would be sending {$170000.00} on XX/XX/XXXX and the agent advised me that the loan would recast and XX/XX/XXXX statement would reflect the new lower payment amount due. 
On XX/XX/2019 I scheduled my XX/XX/XXXX mortgage payment with a lump sum payment of {$170000.00}. After a week I noticed that the check had not been cashed. I called XXXX to investigate and was advised that the new servicer would be PHH Mortgage Services, XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. The following day I received a letter in the mail with the new servicers information. 
On XX/XX/2019, I called PHH to see what the XX/XX/XXXX payment would be they advised me the new payment would remain the same and that in order to recast with them I would need to apply, pay a {$300.00} application but there was no guarantee it would be approved, however, if denied I would receive the {$300.00} application fee back. 
As a consumer I feel that I am being robbed of an exorbitant amount of money and requesting assistance in this matter. This was done to lower expenses since my income has changed because my spouse is currently battling XXXX. Now in addition to the fear of that loss I fear losing my home as well. If they were not going to honor the XXXX agreement they should not have cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an  investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: Sunlight Financial LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Sunlight Financial is our lender for solar panels. When trying to create an account to monitor and review progress of our loan we received the following, " XXXX XXXX has not opted-in to offer consumer XXXX XXXX XXXX XXXX customers. '' That response seems intentionally un-transparent that they would " opt out '' of allowing consumers to view their account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: MA
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:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for a XXXX XXXX card on XX/XX/2021. After making my application XXXX made two hard credit checks using two slightly different names ( XXXX XXXX XXXX and XXXX XXXX ). The second check occurred almost immediately after the first and was not authorized. 

After calling XXXX the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.

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 2021-11-09
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Performance Management , LLC is trying to collect for a debt that they are saying is owed. I spoke on the phone with them for XXXX minutes on XX/XX/2021. The companies representative said they can not provide me proof of verification of the debt I owe. I informed the representative that is a violation of fair debt collection act. The end result the representative never provided me with any validation of the debt.

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 2019-05-19
Company: EQUIFAX, INC.
State: MO
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:
The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Bill Pay set up with my checking account. 

On XX/XX/XXXX I scheduled a BILL PAY for {$1200.00} and ACCIDENTALLY selected Kohl 's. The payment was successfully transmitted to Kohl 's on XX/XX/XXXX. But my account was closed in XXXX! 
Action steps taken : 1. Called my bank. They could not do anything since the transaction was successfully delivered 2 weeks earlier. 
2. Called Kohl 's Customer Service on XX/XX/XXXX and they said that they can not retrieve the account # ( it was closed ) and could not help. Was told to write an email. 
3. Emailed customer support on XX/XX/XXXX and explained the situation only to receive an email back who referred me to call XXXX. 
4. Called Kohl 's Corporate main # XXXX but the phone system is not manned ; you usually get a message that says " your session can't be completed at this time ''! Even when you try to get to the CEO 's office by name. 
4. Sent email to Finance head at Kohl 's Corporate ; no response back. 
5. Called the XXXX # on XX/XX/XXXX @ XXXX XXXX  ET and spoke to representative. Again, they informed that they were unable to access a closed account. Suggested we dispute this with the bank. 
The money is somewhere at Kohl 's but neither Customer Service or Kohl 's Corporate is willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: TX
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 don't understand why only Equifax report this account XXXX XXXX XXXX as late when in fact it is not paid late, the account is current not 120 days late since XX/XX/2017 ... Equifax did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I contacted Medical Data Systems today as there was a negative report that posted on my credit report on XX/XX/2018. It was found during my mortgage application process. The mortgage company gave me the contact information for the company and advised me what to ask for. I spoke to an initial agent who was very rude. She confirmed that the phone number that they were calling was my old home number which we do not use anymore. I advised her of that information. She then gave me my husbands cell phone number which I advised was a cell phone and that they didnt have permission to call. Before I could tell her that he had not received any calls, she stated " you received care in the emergency room so you need to pay your debt. '' I asked her the amount and was given {$64.00} and {$150.00}. I told her I would be happy to pay it as long as I got a letter stating what hospital it was, the amount, that it was paid in full and that they would remove it from my credit report. She then told me they don't do that and that I cant pay to clean up my credit.I advised her at that time she didnt have to be rude and that I wanted a supervisor or manager. She then told me that her supervisor would tell me the same thing. I said thats fine and I would be happy to pay, but I needed that letter. She then transferred me to a lady who identified herself as XXXX. She was aggressive from the time she got on the line. She repeated the same thing the other agent did. I then stated that since they would not help me obtain a letter on the debt and remove it from my credit report I would call XXXX Hospital directly. XXXX then told me that they were employees of XXXX Hospital and that they do not outsource their collections department. I knew that was false as I lived in GA and the company was in Florida. I let her know that I would be calling the hospital directly and ended the call. I called XXXX Hospital and spoke to a lady named XXXX. I explained to her what had happened and what I needed. She advised me that XXXX and the other lady I had spoken to were not employees of XXXX and that she would notify her manager of their rude behavior and false statement. XXXX provided me with a receipt and said I would also receive a detailed statement that the balance was {$0.00}. She also stated that they would contact the company to let them know to remove my information from their files and that the accounts were paid in full and that they should remove it from my credit reports. XXXX also advised me to dispute the item with the credit bureaus as well. This company should not be making false statements as to who they are and what company they work for.

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. 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 2018-01-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by XXXX about a credit card opened in my name that I never applied for. 

I informed them I was a victim of ID theft and made every efforts to resolve them. they informed me it was a business account that was opened under my social security number. 

I do not own any business of such sort and not aware of this but all efforts to have them investigate and remove this from my name has proved futile. 

I even enrolled in a credit repairing company ( XXXX XXXX XXXX ) to help me resolve this and despite their numerous letters and request for XXXX to investigate and resolve the issue still proved futile. 

I had personal accounts with XXXX before this incident and they revoked all my other credit cards I have with them. I ensured I paid all my legitimate credit cards in full with them after they revoked all their cards. I need them to investigate what actually happened and remove this from me because it is affecting me tremendously and impacting my possibility of getting any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today I received a collection letter from my mortgage company, Mr.Cooper. They want me to pay them {$620.00}. Where they came up with this number eludes me. I was told by a Mr.Cooper representative this was an attrition, escrow shortage and also required by RESPA. She told me there had to be a minimum balance in my escrow account. Federal Laws. No federal law mandates that lenders must open mortgage escrow accounts for borrowers or keep a minimum amount in this account Also The Department of Veterans Affairs does not require escrow to be used, but many lenders do.. However, the Real Estate Settlement Procedures Act permits lenders to require these accounts at their discretion. Mr Cooper took over my loan on XX/XX/XXXX. I was with XXXX XXXX previously. During the XX/XX/XXXX year they deducted {$66.00} per month for 12 months. On the XX/XX/XXXX my insurance premium went up {$6.00} per month which meant for 5 months i underpaid {$30.00}. When Mr. Cooper billed me for XX/XX/XXXX there escrow only collected {$66.00}, which meant I was now in arrears of {$37.00}. I am more than happy to pay this amount which would bring my account current. I will not pay {$620.00} Still don't know where this figure would come from unless an error was made internally at Mr. Cooper and they expect me to pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : XXXX XXXX XXXX  : Account Balance- {$1000.00} sold to Portfolio Associates Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX : Account Balance- {$910.00} sold to Portfolio Associates XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation