BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assumeit has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: DISCOVER BANK
State: IL
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:
I made a payment on my Discover Credit Card in XXXX on XX/XX/XXXX of {$110.00} through their automatic payment over the phone, but Discovery Card said they were unable to locate the bank, and the Bank XXXX XXXX XXXX  had not record of being contacted by Discovery Card for any payment Originally after I made the payment for {$110.00}, Discover Card sent me by email a confirmation stating that the payment had been scheduled. 
However, later they informed me when I called to make sure the payment was processed that it did not go through. When I spoke to them about this on XX/XX/XXXX, we determine that their automatic system had recorded the wrong routing number. 
However, a supervisor named XXXX told me that they had to access me a fee for the payment not going through even though it was their automated phone system that did not work properly. Later he said the fee was taken off but for some strange reason my minimum amount due for XX/XX/2020, was {$120.00} instead of {$62.00} as it was in XXXX of XX/XX/XXXX. i do not understand how this happen? 
I want you to investigate how they did not get the correct routing number when I first attempted to pay {$110.00} on XX/XX/XXXX or near that date through their automated phone system. When I paid the {$120.00} on XX/XX/XXXX to an actual live person over the phone that payment went through and was processed! 

On XX/XX/XXXX, I made a payment of {$120.00} twice the amount of the minimum payment, so the minimum payment for XX/XX/XXXX should have been {$62.00}, but XXXX the supervisor I spoke to said the minimum payment had went up to {$120.00} because the attempted payment of {$110.00} did not go through as a result of their automated phone system not recording the correct routing number for my bank XXXX XXXX XXXX. 
This did not make sense, and needs to be investigated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX  XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This what happened i went to a car dealership tying to applied for a car at XXXX, and XXXX say they was going to pull my credit report. When they did they found a phew hard inquiries 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 2022-02-28
Company: Experian Information Solutions 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2020-10-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to XXXX XXXX XXXX with MoneyGram on line service. This transaction was made as a direct deposit to a bank account. This type of transactions normally take one hour to be ready. after you summit a transaction the system generates a text message and an email confirming the transaction. This time was not the case. So I called immediately and I was told money was ready to pick up. I notify the recipient and when arrived to the location money was not there. Recipient wait and come back later by instructions of MoneyGram customer service and money was not there. This person almost lost the entire day trying to pick up this money. Transaction was made on XXXX XXXX. Since then, Id been calling MoneyGram and they been promising the same " that the money is there and is not ''. The recipient is been expending more money in transportation going to look for the money now. What it bothers me most is how the lie and play with me. Everyday I called the said something different and say they will fix it and hang up until they say the problem is fixed and after I hang up find out is not true. On XX/XX/XXXX someone said they cant do much, since they now open a case so now I have to wait for the response in 4 business day. TodayXX/XX/XXXXis almost a week now. People in XXXX needs this money since is a Donation from XXXX XXXX XXXX. I am very frustrated by their lack of responsibility and lies to the customers. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
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:
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 Complaint : In accordance to 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. Account name : 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 15 U.S.C 1681 section 602 A. States U 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2018-11-01
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This has been ongoing with Bluebird American Express, which is a prepaid card through American Express. I have had this card since XXXX and have never had a problem with this card until the past 12 months or so. The problem with Bluebird American Express has resulted in me making numerous phone calls to them about them taking excessive amounts of money, most times allotted for other pending transactions and Bluebird American Express customer services getting smart with me, the customer, because they can and no one is monitoring or controlling their conduct. Recently, on XX/XX/2020, I made a purchase of {$82.00} and Bluebird American Express deducted {$89.00}. Again, this has been an ongoing problem with numerous instances of them continue doing this with 90 % of the transactions on my prepaid card with them. Another example is the transaction dated XX/XX/2020, with XXXX XXXX 's XXXX XXXX for XXXX. I had a balance of {$77.00} which was more than enough to cover the {$71.00} balance for the transaction. Bluebird American Express took it again upon themselves to deduct the entire {$77.00} balance for XXXX XXXX  's XXXX XXXX. When I contacted Bluebird American Express about this practice on an earlier date, Customer Service told me that they were instructed to take out extra money by XXXX. When I contacted XXXX, they informed me that they have never asked Bluebird American Express to take out more than the amount of the transaction, which means that Bluebird American Express has been lying to me and potentially other customers. Secondly, when I addressed this situation again on XX/XX/2020, with Customer Service, they attempted to explain their practice, which has no excuse. As I explained to Customer Service, their practice of taking out more than the amount of the transaction is potentially causing customer 's transactions not to clear. Finally, I informed Customer Service that I have received no email or document stating that this is their practice or that there has been a change in their practice. I requested to speak with his supervisor, he put me on hold for an extended period of time, never returning to the phone or with his supervisor which resulted in me hanging up the phone. 

This must be investigated and corrected. I know nowhere where it is appropriate to just take out astronomically amounts of money or the entire balance of a card and for all transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I needed to unlock a credit freeze with all three credit providers for a credit report in support of a mortgage refinance with a limited time rate lock. No problem with XXXX  or XXXX who provided a confirmation number. Impossible with Experian. 

I froze my credit info with Experian after they were hacked in 2017. I still have the letter sent to me with my PIN from XXXX. 

First I tried calling Experian like I did with the othes. After providing sensitive information to an automated system, I was told to press 2 to get to fraud alert/freeze unlock. Every time ( 5-7 attempts ), I got a hangup. Finally, by repeatedly pressing " 0 '' and yelling " customer service '' over and over, I got a person, XXXX. XXXX tells me my PIN somehow is " wrong '' although I read it directly from the letter several times. I then have to go through a series of questions again ( one of these companies actually required me to answer what astrological sign I am ). I am informed that Experian will only confirm by sending a first class letter in about 10 business days. I am in rural NH where mail is slow anyhow and not virtually unreliable due to current events. I ask for any ID eg, employee ID, report ID, phone call ID, anything to show I made the request since I had trouble with them before. My rate lock may expire before I get anything in the mail. I request a supervisor XXXX XXXX XXXX. To everything I say or ask, he repeats like a recording - you have to wait for a letter. I ask for another supervisor ( XXXX XXXX. I am now on the phone for 1-2 hours. As soon as XXXX comes on the line and I ask his name, he hangs up on me. 

I try online. The correct information is rejected repeatedly. I try to request a PIN. Same thing. I try to request a one time unlock for one creditor ( mortgage company ). I then go back to calling. I am locked out. 

Guess I have to sue them since I can't seem to get the freeze off in time for my rate lock.

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 2017-09-21
Company: Experian Information Solutions 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:
XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing 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 2020-10-19
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my insurance was due for my home. I received a notice saying that the insurance was cancelled due to nonpayment. I have an escrow account with Nationstar/Mr. Cooper and learned that they mailed the payment on the actual due date/cancellation date and not when they received the renewal notice. I had to pay out of pocket to get my policy reinstated and they assured me it wouldn't happen again. 

A year later XXXX, I was notified again that my insurance had been cancelled due to nonpayment. Again, the funds were not distributed from my escrow account on time by my mortgage company. 

For the years XXXX, XXXX, XXXX, and XXXX, I have been paying out of pocket to make sure that my insurance is no longer cancelled. I have to wait for reimbursement from the insurance company. 

I called to ask if I could have the insurance portion of my escrow removed since Nationstar/MrCooper have repeatedly failed to pay the insurance policy on time for 5 years despite the fact that I have an escrow account with them with an insurance portion. 

They told me that I would have to refinance my loan to possibly get the escrow portion removed instead of actually being responsible for paying the insurance on time before it cancels. This makes XXXX sense. 

I have demonstrated my ability to handle my own insurance payments ON TIME when they have not and they should be able to remove the escrow or actually figure out how to pay this on time.

The sole purpose of having an escrow account is so that the lender can make sure that taxes and insurance are being paid out on time to protect OUR investment. It seems to me that Nationstar/Mr.Cooper is trying to entrap me into being locked into one of their insurance products rather than paying for the one that I have had before my loan being purchased by them from another lender. 

Beware of Mr.Cooper/Nationstar mortgage. There are hundreds of bad reviews that can be XXXX  about this company, including their XXXX page. My only piece of advice is to make sure you check your statements monthly and stay on top of how your payments and insurance/taxes are being applied and or disbursed or you can get behind or be riddled with policy cancellations, late fees or more.

Company response to consumer: Closed with explanation