BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I attempted to send money via Venmo and my account was frozen. I reached out to customer service and they refuse to tell me why. At this point I want to deactivate my account but they wont allow me and are holding {$32.00} of my money and wont allow me to withdraw it. All attempts to resolve the issue have been met with zero information just claiming someone will reach out in the next 4-5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer XXXX is bluntly delaying the release of insurance funds needed to repair my damaged home suffered from Hurricane XXXX. 

First I was forced to use a contractor to perform my home repairs, even-thou I have an extensive experience with Home repairs. 

XX/XX/XXXX : XXXX hits, file claimed for roof / siding patio damage. 
XX/XX/XXXX : Insurance check received and mailed to XXXX : {$4000.00} Dwelling For the roof and siding. 
XX/XX/XXXX : Supplemental Claim check : XXXX - Dwelling for interior damage ( mold was found in a bathroom, because of a leaking roof ) and mailed to XXXX. 
XX/XX/XXXX : received via mail check to XXXX : {$370000.00} for interior damage - Furnace no longer works, because of a leaking roof ) we have floor heaters to keep warm, XX/XX/XXXX With supplemental check received a signed contract was provided, to repair leaking roof, yet XXXX denied the contractor XX/XX/XXXXXX/XX/XXXX A new contractor quote and XXXX was sent to XXXX. 

I have called XXXX almost weekly since XX/XX/XXXX, and tried to escalate the release of funds to just at least repair my leaking roof. Always receive their RED tape, their inspectors are reviewing my files... etc. On XX/XX/XXXX I spoke to one of their managers who stated a check was to be sent overnight, and I should have a check to start my roof on XX/XX/XXXX, it is now XX/XX/XXXX and no check has been received.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2021-03-10
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion and XXXX failed to verify the accuracy of the account XXXX XXXX XXXX .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been requesting information regarding my Experian credit report. I have sent numerous request regarding incorrect credit reporting. Based on the FCR section 611 ( 5 ) ( a ). According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I have requested disputes with Experian and they are NOT investigating and just updating. The following accounts are reporting inaccurate. XXXX XXXX XXXX. They are reporting as a reposession EVERY MONTH since XXXXXXXX XXXX XXXX. This is inaccurate and has re-aged this account on the file.XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Experian has been reporting this account as charge off since XXXXXXXX XXXX XXXXXXXX which is now re-aged on my credit profile.Experian has reported these inaccuracies and i am DEMANDING they are removed from my credit profile.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2018-02-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX   XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. 

On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. 

There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX   XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX  XXXX XXXX, not Bayview Loan Servicing. 

The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. 

This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. 

Both banks will NOT RESPOND TO MY REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: AZ
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:
This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EXPERIAN : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$5700.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX BANK XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2000.00} XXXX PL XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$440.00}

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 explanation
Consumer complaint received 2018-11-07
Company: EQUIFAX, INC.
State: GA
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 disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX XXXX ... They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 at XXXXXXXX XXXX I called Transunion and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud

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 2018-08-14
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.

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 2018-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO 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 monetary relief
Consumer complaint received 2020-03-06
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my mortgage was sold by XXXX XXXX to Mr Cooper. Mr Cooper failed to renew my flood insurance policy with with XXXX XXXX that was escrowed for 2 years with XXXX XXXX. The claim was they didn't know it was escrowed. So they put a lender placed policy. The problem is that I was placed in a flood zone 3 years ago so I immediately got a policy through a FEMA plan that got me a discounted rate. So thanks to Mr. Cooper I lost that plan and have to pay almost {$200.00} more a year for my policy. When my mortgage was sold the information on the policy and what was being escrowed went with it. I am paying substantially extra for that purpose. There was {$550.00} extra in my escrow ... just sitting there. Because Mr Cooper caused my policy to lapse and paid for a higher cost policy it left my escrow in the negative, causing me more expense. 

Mr Cooper then sold my mortgage in XXXX of XXXX to XXXX XXXX. When they did an escrow analysis they added an additional {$80.00} to my monthly payment. I have spent the last 5 weeks working to identify why. XXXX XXXX  couldn't do anything and Mr. Cooper wouldn't contact Freedom Mortgage, XXXX XXXX  wouldn't contact Mr. Cooper. No one could tell me why my XXXX XXXX flood policy lapsed. I had to track down the issue myself. 

Mr. Cooper was obligated to pay for the policy since they had the declaration page ( they admitted they had it ) and the escrowed funds. They claimed they sent me 2 letters asking for proof of coverage. But they also admitted they never once attempted a phone call or email. I never received any letters. But they had the information and the funds. They were obligated to pay. I had never had to worry about it with XXXX XXXX that is why I escrowed it. 

Now it has been sold and Mr. Cooper doesn't think it's their issue anymore. I have an FHA mortgage. My insurance went from {$550.00} a year to {$740.00} a year and that's with a massively reduced coverage. It would have been another {$200.00} a month with the same coverage for a total of {$400.00} extra per month. I believe this is gross negligence. Surely there is something that can be done, some way to recoup some of this added expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: I.C. System, Inc.
State: GA
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 disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

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 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EQUIFAX : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation