BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Delete this account.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got a modification in XXXXthey put pmi insurance on my loan.my condo has risen in value a XXXX since.i wanted remove pmi.i did not realize a pmi appraisal an a get a loan appraisal is much lower.i said would do a appraisal they charged me XXXX dollars.it came in at XXXX lower than market an XXXX short of removing pmi.i did complaint my mortgage but it was useless. I waited an time passed an there was no doubt my condo was worth way over the money needed.i agreed to another appraisal.again charged XXXXmy units with my views were selling in a day for a XXXX more 5 under contract.the appraiser was told that.she fraudently came in XXXX short.she used a 5th floor condo that sold in a day for the XXXX it over looks the parking lot.my unit overlooks the gulf an intercontinental an blocks from beach.she knew of contracts pending on comparable units for up to XXXX more.yet she gave me appraisal for XXXX XXXX less than the parking lot condo.now even low floors sell for XXXX more.i complained to my mortgage company an thier pmi department.they said I would have pay for another appraisal.XXXX  for XXXX more needed.they even said if it been a refi appraisal been much higher. They said they would contact XXXX XXXX see if anything be done.answer no without apprasisal.meantime they were offering me equity lines.i pointed out how can you offer me equity lines when appraisal shows negative equity.they said well you definitely have alot of equity.i said then remove pmi payment.sorry we can't without a appraisal.i contacted XXXX XXXX an they said the same.i applied for mortgage refinance an helocs with my company an others.all approved with cash out or large equity line.XXXX  XXXX was the lender with each who approved.again I fought with my company remove pmi.got nowhere though they agree it was wrong.i decided not to refinance or do a heloc.i did not need it I decided.my interest rate was good an cost to do refinance to much.so here I was same mortgage paying pmi an being held up for another appraisal for XXXX.i told them the last appraisal was fraud an they needed to reappraise.they were shown the sales an kept sending me offers to cash in on all my equity.its fraud I just want now my last appraisal be refunded.however settle for pmi being removed.i should get a refund for all the pmi charges since last appraisal also.Again settle for it being removed pmi.i have proof of all I'm saying thanku

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a loan with Sallie Mae for education. I borrowed $ XXXX. I entered bankruptcy XXXX XXXXXXXX in 2016 for 5 years. Sallie Mae XXXX my account so I could t see how payments were applied. I paid a lot through bankruptcy. When it was over I got access and now owe $ XXXX with interest and principle was around $ XXXX from compounded interest ( which seems allowable per contract ). I had no payments due so I called to inquire why. They stated I had over $ XXXX pay ahead. I asked how thats possible as my payments should have been paying against my loan and I dont want my payments just sitting there and apply it towards my loan. 

After several calls and much back and forth they stated my pay ahead is just payments unapplied and I requested they cancel it and apply payment to my principle if I overpaid. They cancelled it. I no longer have a overpayment and my balance didnt decrease at all. Ive asked for backup docs. Docs on how payments applied etc and they wont give me anything. I need help. I live in California and did when I took out the loan as well if it matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.

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 monetary relief
Consumer complaint received 2019-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the Bank of America 321 card. You are able to select which category you want to earn the 3 % on. I needed a new roof so I looked into all my credit cards to see which one I would get the best cash back on. Since I was able to select 3 % towards home improvement this card was my best bet. So I set the category and made my charge ( this happened in XX/XX/XXXX or XX/XX/XXXX ). The roof cost {$7500.00}, so I was supposed to get a decent amount back. {$2500.00} at 3 % and the rest at the normal rate. But that was not the cast, none of it earned at 3 %. So I called BOA and asked them to look into it, they told me that the charge came through as construction, so thats why it didnt work, but they would have their back office team look into it because it was clearly for a roof, which is obviously home improvement. Well a few weeks later the back office group sent me a letter saying they werent going to do anything and that my rewards earned correctly. But the problem here is deceptive marketing. What the XXXX is considered home improvement if getting a roof isnt? It doesnt make any sense. I have plenty of other credit cards that I would have used that would have gotten me a better rate if I had known I was going to get screwed by BOA. And now Ive had to spend all this time trying to get like {$100.00} from them. Which is really a drop in the bucket when you consider the amount of money they are making off of people. I just want the 3 % back they are marketing people will get. I dont think thats too much to ask 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 2019-12-26
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX TideWater Finance gained unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received 2Prepaid gift cards that were XXXX  debit cards And registered them through XXXX XXXX XXXX. When checking my balance I realized that the cards had unauthorized purchases. I checked because when I tried to use the cards they were being rejected I tried to call unsuccessfully XXXX XXXX XXXX and it was put on hold for more than 30-40 minutes there is no other way for me to contact the company. If you need any other information let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was repossed on the night of XX/XX/XXXX. I spoke with the tow truck driver and learned that there was title loan out on the truck. I proceeded to go in to the XXXX in XXXX XXXX, Az XXXX to get information on the title loan Tuesday, XX/XX/XXXX. The general manager then refused to provide me any paperwork on the title loan repeatedly told me that she had no clue who I was. I offered to provide drivers license, birth certificate, social security card, and any other identification she needed to verify that I was the owner of the truck. She refused to view any identification I offered to provide her. Since then I have tried numerous times to pay off the obligated amount owed on the loan to which they are refusing to accept payment for to get back my vehicle. I have spoke to 2 district directors for XXXX in the XXXX area to which both have refused to allow me to make the payment. As they only allow 10 days guaranteed to reclaim the vehicle I am about to be at that 10 day mark on Thursday, XX/XX/XXXX. I recorded the last conversation today with one of the district directors for proof of them denying my payment to recover the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Employee was told not to contact me at work and they did it 2 times after I told them not to. I spoke to their XXXX Manager about it and he basically kept over talking me and telling me I need to pay my debt. He was not too concerned about them calling me at work after I told them not to.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In despite of my previous written request the items I've found out today in my credit report still appeared but I had already disputted them. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report I want to delete them all in my report : 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 non-monetary relief
Consumer complaint received 2019-12-26
Company: LoanCare, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to report multiple violations that Loancare is committing against myself and that is affecting me in a huge way. This company is reporting a wrong payment history on my account and some other UNFAIR BUSINESS PRACTICES that I will explain in this complaint. My account information : Loancare account # XXXX, opened XX/XX/XXXX. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter on XX/XX/XXXX demanding the proper investigation as that the law requires. They didnt have the decency to investigate the account and THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED. These two are UNFAIR BUSINESS PRACTICES, serious violations under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. I also sent them another letter on XX/XX/XXXX, which they did not answer and didnt make the proper investigation. This company is not respecting my rights at all. 

This account was enrolled in automatic payments. My money was transferred to Loancare each due date. I dont know what happened or if it was an error on their system that they didnt take the payment as the should but I was not even aware of these lates on my report. When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR. Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by REPORTING FALSE AND ERRONEOUS INFORMATION.

This is affecting me mentally and physically. I have a high level of stress. This situation is just overwhelming for me. The violations that I mentioned can go up when I sat down with my lawyers.

I have a pending mortgage for {$400000.00} because of this issue. This is not fair. I demand a DELETION LETTER from Loancare as soon as possible so I can provide to my mortgage company and get approved with the interests I want. If they refuse to provide me with the letter through CFPB portal, I will not think twice to take this issue to court so it is decided by a judge. Thanks to whomever reads my complaint.

Attached : All documents sent to loancare, whisch they ignored.

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 2019-12-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase from a fraudulent company, XXXX, using paypal. I opened a dispute with PayPal and XXXX provided a fake tracking number ( for a XXXX XXXX order to different address in the same destination city ). PayPal accepts this without investigation and closes the dispute. XXXX also claims payment is for " tuition and fees '' not products listed on their website and uses a personal XXXX address for their paypal account. 

PayPal has been made aware of this company by many other people and still allows its account to sell and denies disputes or to return money. Other hurt victims here XXXX XXXX   XXXX Notes and attachments included. I called XXXX and they confirmed the address is not same and sender is XXXX XXXX, not XXXX. I was not authorized to get any other information but said PayPal was authorized if they called, which they have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: Halsted Financial Services, LLC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from halsted financial services llc stating that they bought my account from XXXX XXXX XXXX and that I owed XXXX the date on the letter is XX/XX/2021. I actually received the letter in XXXX. I never opened a credit card with XXXX XXXX. XX/XX/XXXX I called halsted and inquired about this. The social security number and email were mine, the secondary email had my stepmom name. I told the agent I would be challenging this and the call ended

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: AL
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:
Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either Experian promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXXExperian product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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 explanation
Consumer complaint received 2018-03-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX allowed someone other then myself to open an account under my name before verifying if the person opening the account was actually who they said. 
XXXX did nothing to prevent this action, and failed to notify of the issue to me at any given moment, they did not notify me of the second account under my name in XXXX, texas.

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