BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Starting in 2016 I have received monthly recurring charges on my XXXX XXXX debit card. The charges initially were for XXXX from XXXX XXXX. Once I noticed the charges I would contact Google from the number listed on my statement. They would go over my existing google accounts and find out that I had no method of payment listed on those accounts, as I could tell them myself. Then would then issue a refund for the charges and tell me to contact my bank and have a new card issued. I went through this process 3 times over the past year and a half. On the fourth time I noticed that several other charges had been processed along with the monthly recurring charge. I contacted my bank and together we called google billing support to investigate and see if they could block future charges from going through. The representative was singularly nasty and hung up after saying that it was my bank 's responsibility. They did not even take my information to confirm the ongoing case. I have since closed that bank account and switch banks because of this. XXXX I believe did a good faith effort to resolve things, but Google has shown little initiative in finding the root cause of this. Four attempts are more than enough. I have a case number from google and two fraud case reference numbers from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: American Credit Acceptance, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is $ XXXXThey also never gave any material disclosure disclosing I have a right of recession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager,  XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to 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 monetary relief
Consumer complaint received 2021-02-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX. dba XXXX with no ownership sold my property to HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX, Mortgage Pass-Through Certificates, XXXX XXXX XXXX. 
Next they got XXXX, XXXX, XXXX, XXXX and XXXX XXXX involved, and now HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX owns my home. 
Next they are trying to evict me. I am XXXX years old, with XXXX XXXX XXXX and XXXX XXXX. 
I am trying to avoid catching the Corona Virus. I like to get a stay from Court hearings till XX/XX/2021 to avoid exposure to this Virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CONTRACT RESOLVE GROUP LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This guy calls from this company/phone number threatening to sue if this unverified, invalid debt isnt paid by noon. There was no letter mailed from this company which would give 30 days to dispute. This number calls repeatedly 10-15 times back to back on a number that does not belong to the person they are trying to contact about the debt. I have a recorded voice message giving details about this debt on a number that is not even associated with the debt. The calls come in these repetitive blocks multiple times a day. I have them logged in a caller ID bank. The calls began on XX/XX/XXXX and have continued today, XX/XX/XXXX after the person was told not to call the number again and only contact via US mail. This is a disruption to my work. They claim the debt is for {$740.00} from XXXX The debt is NOT valid as the product they claim to have sent was not received, and the services billed were not utilized. Letter of cancellation was sent to XXXX in XXXX of 2018 and was not honored. The caller is belligerent and rude and demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX    et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2020-10-16
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:
Adverse accounts are to be removed 7 years from the FIRST DATE of Delinquency. On my Trans Union Credit Report, XXXX XXXX  should fall off in XX/XX/XXXX as the first date of delinquency was XX/XX/XXXX. I can provide proof if required. Trans Union states it will be removed 7 months AFTER that in XXXX of XXXX. It should be corrected to reflect XX/XX/XXXX. I've contacted TU multiple times on this to no avail.

5 accounts were Charged Off yet still show a balance due. I believe my report should reflect a XXXX balance due given the accounts were charged off. The 5 accounts are : XXXX XXXX ; XXXX XXXX ; XXXX  ; XXXX ; XXXX. I've contacted TU multiple times on this to no avail.

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 2021-01-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/2021 I used paypal to send {$120.00} to XXXX for the service of providing XXXX vendor spaces at an arts and crafts show. When I detected suspicious answers from her about the event I asked for her credentials and she immediately put a block up against me so that I could no longer contact her via XXXX in a group page called " XXXX XXXX XXXX ''. I researched the event and found that it was made up and not really an event at all. I had just paid her for XXXX spaces and she was pushing me to pay for a XXXX event as well. I immediately contacted paypal who told me they flagged her account as fraud and there would be a XXXX to 10 day investigation. But there never was. The next morning paypal said they did not find in my favor of the dispute based on the reason I gave. ( They only had XXXX boxes to check on and none of them were fraud. ) So I called and spoke to them again and they again said they would do an investigation but to not worry I would be refunded in XXXX to 10 days, but again, the next day they closed the case and said my reason does not meet the reasons they have listed. I explained it was fraud and they do not have a checkbox for fraud. Again they said it would be investigated and not to worry as they would hold her money till the XXXX and then it would be deposited back into my paypal account. Today is the XXXX and I have not received my money, furthermore they have blocked full access to my account saying I have suspicious activity. They are also being frauded by this person who stole from me. I do not know what reasons she is giving them but they are taking her word over mine. I also supplied them with the phony ad she had on facebook that she was using to steel, not only mine but my co workers and others throughout the state of florida. I am afraid to give paypal the personal information they are asking me for in fear that she will somehow get it or that this paypal agent is in on this scam with her. XXXX There are roosters cackling in the background on these calls to paypal! ) please help me. 

I have provided proof of all interactions with payments in the attached files. It is clear the individual posing as XXXX XXXX gave the paypal for an individual named XXXX XXXX, and that paypal ignored the facts is insulting and hurting to people in an already struggling economy,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: IL
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:
I am a natural person. I am a living human being. I have right under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account list below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted them email mail no response

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 2020-05-25
Company: Experian Information Solutions Inc.
State: NJ
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 filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

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 2021-02-24
Company: Seattle Service Bureau, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection company National Service Bureau is reporting a fraud account in the amount of {$1600.00}. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a fraud account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
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 XXXXXXXX, 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 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: FL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2021-03-04
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I keep my mortgage paid one year in advance, plus make additional principal payment each month, Without fail, when I make the payment, the entire amount gets credited as additional principal, despite the confirmation page from the company saying I made one monthly payment plus additional principal. It doesnt matter if I make payment through the US Mail, utilizing the online payment system, or calling and speaking directly to an agent, the entire amount is still applied as principal with no monthly payment. 
I then have to make numerous calls to customer service to try and get it corrected. One loan officer gave me her direct contact information, but she never answers her phone and does not return phone calls. Her voice message instructs one to contact her manager if immediate assistance is needed and gives his name/number. However, he does not answer his phone either. In fact, the voice message on his line is the same female voice of the original loan officer and not his at all. Sadly, they have stopped answering my calls at all, and as I said, no calls are ever returned. 
I purchased my home 11 yrs ago and Nationstar LLC d/b/a Mr. Cooper is the 5th loan server Ive had. There has been no problem with me maintaining my one year cushion until Mr. Cooper purchased the loan in XXXX. Immediately I began to have issues of payments not being applied correctly, and it has continued every month right up until the present date. Mr. Cooper told me it is because one can not pay more than 6 months of a mortgage in advance. I told them XXXX ... .as long as my is current and not in arrears, I can have any additional funds applied however I please. 
I am still fighting with the mortgage company trying to get them to apply funds as specified. Ive made enough payments so that my next payment should be due XX/XX/XXXX. However, the company has been misapplying the funds and after I got it straightened out, they decided to reverse the payments I recently made and re-credit them as principal only, thereby causing my next payment to be due 2 months earlier on XX/XX/XXXX. I DID NOT give permission for anyone to go into my account and convert funds from monthly payments to principal. They are systematically wiping out the financial cushion I prepared for myself. 
I dont understand why this is so difficult. I make one monthly payment with {$1000.00} additional principal each month. Instead of the simple transaction I requested, there will be 10 or more transactions listed as taking place on the same day.

Company response to consumer: Closed with explanation