BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
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: Personal information incorrect

Complaint:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve 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 non-monetary relief
Consumer complaint received 2018-03-03
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: Personal information incorrect

Complaint:
My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXXL, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX  XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years

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 2020-11-30
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I Closed on my house almost 2 months ago XX/XX/XXXX. I had to pay my taxes at closing for the year, Approx {$6000.00}. Two weeks before I closed, SHELLPOIN MORTGAGE SERVICING also sent a check on my behalf to pay my taxes through my Escrow account. So essentially I double paid, except the county never cashed the mortgage companies check. So I called over a month ago to let them know that it wasn't cashed and if they can cancel their check and refund my money. They said they would put in a request. I called back today XX/XX/XXXX and they said they would need proof from XXXX County Ga that their check was never cashed. I asked how that was possible and they couldn't respond. I again asked them to cancel the check and they said they are not that department, that I could not speak to that division, and they would leave a note in the account. At this point they are refusing to refund my Escrow money and I need help getting it back. 
Thank You, XXXX XXXX XXXX XXXX XXXX

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 2020-11-30
Company: EQUIFAX, INC.
State: MI
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Oracle Financial Group   XXXX   XXXX   XXXX    XXXX  NY   XXXX   Toll Free :   XXXX   www.oraclegroupllc.com   XXXX   XXXX  , 2017   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   Original Creditor :   XXXX   XXXX   XXXX   Balance : {$4000.00} Reference :  XXXX  Account ID :   XXXX    Dear   XXXX   XXXX  , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at   XXXX   during normal business hours. Monday - Thursday   XXXX   XXXX   -   XXXX   XXXX   EST ; Friday   XXXX   XXXX   -   XXXX   XXXX   EST ; and Saturday   XXXX   XXXX   -   XXXX   XXXX   EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully,   XXXX   XXXX   Collection Manager

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Public record information inaccurate

Complaint:
The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, XXXX  and TransUnion. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611

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 2020-11-30
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal accepted funds of XXXX from XXXX XXXX XXXX on an account that was inactivated in XX/XX/XXXX. They DID NOT contact me by email or phone with instructions on how to get the funds. The account is inactive, to activate I would need to add new credit card and bank statement. This is a violation of my privacy, and I DO NOT want a PAYPAL account. They contacted me today, the FIRST Time since XXXX XXXX transferred the money on XX/XX/XXXX. They have sent two account statements indicating that I have a XXXX  Balance. I would like PAYPAL to send the money, I do not want to use PAYPAL, store the money with PAYPAL, give PAYPAL a bank statement or credit card information. The account is inactive because I DO NOT use PAYPAL. They noted that the account was created in XX/XX/XXXX and inactive since XX/XX/XXXX. I DO NOT want to be compelled to use PAYPAL because they accepted money on an account that was closed, and then did not contact me to make arrangements to get the money. I have contacted them several times and also have attempted to login. I can login, but then they are asking me to upload a bank statement and additional information. If the inference is that once you open a PAYPAL account you can never close it, that seems illegal. PAYPAL has not contacted me about this matter, telephonically or by email. They have a message that they are busy and it is best to contact them using their website. It is difficult to get through to them, and I can not send a message through their website without uploading personal information they are asking for to reactivate my account. I DO NOT want my account reactivated!. I WANT my money. They SHOULD NOT have accepted and not notified me, since the account is inactive. They response they provided is inaccurate and does not address the issue. I WANT the money they were sent, and they are not facilitating me getting the money from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX BANK on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Accurate Financial Services
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:
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, ACCURATE FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
To Whom It May Concern : Im writing this letter regarding the consumer XXXX  and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. 

Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. 

Today 's payoff amount is {$450.00} + applicable taxes. 

To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. 

If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX  MT ). 

Sincerely, Acima Credit | Customer Service XXXX For your information and investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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:
The fact that Equifax is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but Equifax started the '' dispute " process. The 4 Companies are XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that Equifax still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all  want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX we noticed multiple payments were processed through Mr Cooper mortgage company resulting in our bank account being over drawn {$11000.00}. All day Saturday XX/XX/XXXX we attempted to reach our mortgage company and would get the message due to high call volumes they were unable to take calls, goodbye. I went into our mortgage account and submitted a ticket- no response. I XXXX  their reviews and see everyone is having the same issue and again nobody can contact them. Around XXXX on the XXXX our money was placed back in, but the lack of communication, the fact that this isnt the first time this has happened with this company and how they handled it was completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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: Investigation took more than 30 days

Complaint:
I have disputed items on my credit report with XXXX, Trans Union and XXXX on the following dates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The only bureau to respond has been XXXX. XXXX has deleted all of the erroneous accounts. 

Trans Union and XXXX have not investigated or responded

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 2020-11-30
Company: Experian Information Solutions Inc.
State: MI
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 writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.

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 2018-10-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2020-05-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post XXXX XXXX XXXX  and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted XXXX  and Transunion multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. 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 explanation
Consumer complaint received 2020-11-30
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: Their investigation did not fix an error on your report

Complaint:
Experian is continuing to refuse to remove a fraudulent reporting off my credit account. Since my last complaint XXXX has removed the fraudulent reporting, but Experian isnt complying. 

XXXX Account # XXXX This account has been closed since 2016. 

There has never been a pay date or pay by due date for this account, so again, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, I have sent Experian a letter from XXXX stating the account is in good standing and is Paid In Full! 

Thirdly, ALL Credit Reporting Agencies should be reporting the same accuracies! How can 2 bureau comply, and 1 continue in fraudulent reporting? 

To continue this fraudulent reporting is a NEGLIGENT and a blatant attack on my character. Correct this HARMFUL DAMAGE by simply removing this account off my credit report. 

Much Obliged Attached is the Paid In Full Letter from 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 2020-04-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Company Since this company has taken over our mortgage processing, they consistently delay processing payments to then show them as late. This has occurred at least 5 times in the last year. The latest payment due for XXXX was mailed XXXX. As of XXXX they had not posted the payment to our account online so we paid it again online to be sure it was not late. Now 4 days later they show it online and show it as posting on XXXX. But since we had paid online ( with an additional fee of course ) they posted it to our account as " other '' payment. They did not apply it to our next payment and they did not post it as additional principal and they have not contacted us. We have been unable to contact them. 
This continues to happen repeated since last summer. Checks apparently sit at there office and are not posted to the mortgage. When contacted they have no answers for why it takes 2 to sometimes 3 weeks for a check to reach them throught the mail and be posted. They seem to be pushing to have us pay online with the additional fee each time. 

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 explanation