BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: LD Holdings Group, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to loan depot on XX/XX/2020 and spoke with XXXX XXXX. I gave her all of my information to refinance my home loan she got me an interest rate of XXXX. The following day another lady I had been trying to get ahold of called me back and got me a rate of XXXX with a buy down cost of XXXX. Well of course Im going with the lower rate, so I left a message and emailed XXXX to let her know Id found a better rate and was choosing to go with my local agent. She called me back later in the afternoon on XX/XX/XXXX and was very snotty and condescending. She told me she had spent a good deal of time with me the day before and that when she got my message she matched the rate and told me Id be getting XXXX cash at closing thats just how it worked out with the new rate and Id ruin her weekend if I didnt stay with her. I should have gone with my instincts but she was very pushy and made me feel bad so I trusted her to keep her word. I called her again on XX/XX/XXXX since the numbers I was receiving for fees wasnt adding up to my local agents totals which I had sent to her. She assured me the XXXX would be credited to my loan total since nobody wants cash at closing she said, but she couldnt look at my file at that time since the processor was in the loan now. Turns out she lied about the XXXX to keep me and instead of charging me the XXXX for the buy down she charged me XXXX. Then at closing I had to pay closing XXXX XXXX! I emailed the processor XXXX XXXX, asking him why I had to pay when I was told I didnt have to pay anything. His response was I should not of had to pay anything at closing and I asked him where my XXXX were to which he said he knew nothing of a credit but included zsaleh in the email to get an answer. The following day XXXX sent me an email that she was confused by my question to which I told her if she was so confused she should go back and listen to our recorded conversations. She then sent back the following day and a Friday, that she thinks she knows to what I was referring and that I was mistaken it was just an estimate. Lies!! Then they funded first thing Monday so I couldnt cancel. I filed a report with the better business bureau to which I have heard nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is reporting that I have an unpaid Tax Lien. I have contacted the IRS, and the states that I have resided in and I HAVE NO UNPAID TAXES OR TAX Liens. I have tried to contact lexis Nexis but they refuse to address or assist me with this issue. They continue to report this false information, even though I have informed them it is inaccurate,. Please help me, this is affecting me in may ways, my credit worthiness is immaculate, but because of this false information, I am being denied credit and other financial services that I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TSC Accounts Receivable Solutions
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE DEBIT COLLECTOR HAS BEEN NOTIFIED SEVERAL TIMES THAT I DO NOT OWE FOR THIS DEBIT AND THAT IT HAS BEEN PAID OFF. INSTEAD, THEY CHOOSE TO IGNORE THE FACTS AND REPORT TO XXXX THAT I STILL OWE THE DEBIT. THIS SITUATION WAS ALSO DEALT WITH EARLIER THROUGH THE XXXX AND THE SETTLEMENT THAT THE DEBIT COLLECTOR WOULD HALT ALL ATTEMPTS TO COLLECT AN INVALID ACCOUNT AND REMOVE ALL INFORMATION FROM THE CREDIT BUREAUS. I WAS ALSO NOTIFIED BY THE BUSINESS OFFICE OF THE PHYSICIAN THROUGH THE DEBIT COLLECTOR THAT THE ACCOUNT WAS WIPED CLEAN AND NO DOLLAR AMOUNT WAS OWED. SINCE I HAVE BEEN CALLED BY THIS COLLECTOR AND THE PHYSICIAN 'S BUSINESS OFFICE SEVERAL TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
After PayPal changed its terms of service, I immediately tried to close my account. I tried multiple times, but they continue to provide the message of " Sorry, there's a problem. If you keep seeing this, please contact customer service. ". I then contacted customer service multiple times but its actually just a bot. The customer service chat said that " there are zero issues '' with your account. 

So if there are no issues, why will they not let me close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I viewed my credit report and saw company XXXX XXXX had filed a adverse action under my name stating i hadn't paid a bill. I never had an account with XXXX XXXX and I never lived in the state at the time specified. XXXX XXXX assigned {$1400.00} to a collection agency Convergent Outsourcing Inc . I reached out to Convergent Outsourcing Inc and have been getting the run around to no avail. I have requested Convergent Outsourcing Inc to remove that adverse action and they refused sending me documentation with my name ( misspelled incorrectly ) and a address I never lived XXXX. I am requesting to have it removed immediately.

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 2020-07-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was mailed a check from XXXX XXXX in late XX/XX/XXXX or early XX/XX/XXXX. I made several payments through XX/XX/XXXX. As of XX/XX/XXXX, I logged into the website and the account was gone. I attempted to contact them several times by phone and the call just went to a recording. Fast track today, I get a notification on my credit report that there's an inquiry from Tower Loan dated XXXX. I call them and was referred to the local branch in XXXX, XXXX XXXX The representative went through the system and found that my account was sold to Tower Loan from  XXXX XXXX. The representative gives me the Tower Loan account number and current balance along with a {$10.00} late fee. I asked why their was a late fee and the representative told me that a payment was due as of XXXX asked to have the late fee removed because I was not given any notice that the account was sold to Tower Loan. I was told that I was sent notice of them having my account and was not told the late fee could be removed and they would have to call me back. I check my postal mail and e-mail daily and I've never seen anything from Tower Loan providing ownership of the account. I also want the inquiry from my credit report removed because I didn't apply for a Tower Loan account in 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 2023-04-24
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 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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please fix the following accounts XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}

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 2023-03-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Target is reporting a charged off card on my reports that I have disputed directly with them. I sent them a letter requesting validation and all documents concerning this debt. I have yet to receive anything from them in response and I sent this letter on XX/XX/2022. 
The credit bureaus are verifying inconsistent information regarding this account with the credit bureaus. There are different account numbers, last payment dates, last active dates and open dates. This account is also reporting paid and current with one bureau and charged off and derogatory with the other bureaus. There are also comments stating that this account was closed due to activity with two bureaus and charged off with another. How are they able to do this? 

Per the FCRA that protects my rights as a consumer, I have the right to dispute any and all inaccurate information from my reports and it is their job to acknowledge and respond to my concerns. They are in clear violation of the law to report accurate information and my right as a consumer to have accurate and valid accounts on my reports and the right to dispute. I am demanding that this account is deleted from my reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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 information incorrect

Complaint:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: E MORTGAGE MANAGEMENT, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is engaging in deceptive practices to stop their customers from removing PMI from their mortgages. I have well over 22 % equity in my house and they are forcing me to pay for a Broker Priced Opinion to remove the PMI. 

I was sent a letter in the mail stating that I need to fill out the form, which they did not put in the envelope or call their customer care team. I called the customer care team to pay for the XXXX ( {$150.00} ) and the customer care team member tried to tell me that I can't pay for it over the phone. I read the person the letter that tells me to call them to process the payment and eventually she did. 

This is my second attempt at having PMI removed from my mortgage by this company and they are using every shady practice they can think of to stop me and others like me from getting the PMI removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: AL
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:
Experian dispute file upload page cited error. Automated phone machine never connected to representative to discuss dispute and upload options. Do not believe mail was received before dispute decision was made. Decision for account to remain is in error because account was paid per lease agreement. In August 2020, the property manager at XXXX XXXX, XXXX XXXX, entered the apartment to make it uninhabitable and re-entry was not permitted.

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 2023-02-28
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. Has violated my rights.

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 an accommodation 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In attempted to read out to all credit bureaus regarding incorrect addresses and invalid inquiries on my reports however all three credit bureaus have failed to remove

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 2019-09-03
Company: SYNCHRONY FINANCIAL
State: TX
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 had a synchrony bank Walmart credit card for 2 months now and when I make payments, They will take the money from my bank account within a day but do not replenish my credit line for 10 days and say it's because I have made more than one payment in a billing cycle. So they take my payment and say it's posted but do not release my credit line. It seems suspicious and if they held enough payments from people for long enough it sounds like some type of gaining interest scheme.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
report wrong address XXXX XXXX XXXX XXXX tx 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 2020-07-23
Company: Experian Information Solutions 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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY EXPERIAN CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX  XXXX  # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX AMT. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX FXXXX XXXX XXXX XXXX   XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 2017-03-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN TRYING TO SAVE MY HOME FOR THE LAST YEAR GOING BACK AND FORTH WITH FLAGSTAR WITH THE HELP OF MY COUNSELOR XXXX XXXX. 

WE HAVE PROVIDED EVERY DOCUMENT THAT THEY HAVE ASKED FOR BUT THEY CONTINUE TO MESS UP ON MY LOAN. I AM TRYING TO SAVE MY HOUSE AND I AM ABOUT TO LOSE IT BECAUSE THEY DON'T WANT TO HELP ME. 

EVERY BANK STATEMENT THEY ASKED FOR HAS BEEN PROVIDED AND EVERY DOCUMENT THEY HAVE ASKED ME TO CORRECT HAS BEEN PROVIDED. WHERE DOES THE RUN AROUND END! WHEN I LOSE MY HOME TO FORECLOSURE SALE BECAUSE THEY FAILED ME!

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 2021-02-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX I received an email from XXXX credit card stating their website is down and they are experiencing tech issues and they will resolve it asap. They said this was not due to any hack/security issues. Then on XXXX I get an alert from Experian stating my XXXX card is 120 days delinquent and the account has been closed due to delinquency. That information is false the card is still open and I never missed a payment. I called XXXX on XXXX and rep XXXX ID # XXXX said they are aware of the issues and it affected all of their card holders and they are trying to fix the false reporting with Experian and the error was caused by the snowstorm. XXXX updated their twitter admitting the problem but they are not admitting to any security breach or the negative information on my credit report which will effect my score. Please assist. Hundreds of other XXXX card holders are experiencing the same problem and XXXX is not being truthful or helpful with this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief