BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-01
Company: Experian Information Solutions Inc.
State: OH
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:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS 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 explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There should be no late payments in 2018. Tried to talk to the Department of Education but they are not taking any phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I saw this post for the concert tickets and the guy offered me to sell them for XXXX dollars for a pair and we agreed, i paid him through paypal and when he received the payment he blocked me on XXXX account and didnt send me the tickets in my email. I have contacted the XXXX XXXX and no success, i have called the paypal company and still no success, this took place on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
OnXX/XX/XXXXI transferred XXXX $ from my Kraken account to my XXXX XXXX account and paid a XXXX $ fee to do so. 


I have not received any money in my schwab account, and kraken is doing nothing to resolve the issue. They haven't even responded to the support ticket in 4 days, and they refuse to pick up the phone and talk to me. 

Their support person doesn't even know their own policies and refused to take any action until 5 days passed, even though their own policy states funds should be received in 0-1 days. 

Today is now XX/XX/XXXX. Funds are still missing with no explanation or promise to do anything from Kraken.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: CMG MORTGAGE, INC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I need to file a claim prior to the end of the HARP program. Please have someone contact me as soon as possible so I can file a claim against HARP as they have double charged me in closing costs. Here is my email address - XXXX. 
My phone number is XXXX. Please let me know how to proceed. This is my fourth request! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX sold my mortgage to Specialized Loan Servicing on  XX/XX/2019. Since XXXX, Specialized Loan Servicing has repeatedly refused my mortgage payments. They have  inaccurately changed the amount owed to reflect a significantly higher amount. The escrow itemization is also wrong. I emailed and repeatedly called SLS attempting to pay and explain the inaccuracies without success. I even emailed the CEO asking for his assistance to correct our escrow and accept payment. I received a reply from his email stating he was on vacation and would respond when he returned. Unfortunately he never responded. Our home 's value is almost {$100000.00} more than what we owe SLS. The law firm XXXX XXXX XXXX XXXX located in XXXX is representing SLS, and auctioning our home tomorrow at XXXX XXXX in XXXX county, Alabama. Last month, I was forced to file the attached lawsuit because SLS refused to accept our payment and explain to us why we owe the inflated amount. In XXXX, XXXX and XX/XX/2019 I was told by SLS representatives repeatedly they didn't have all of the documents to confirm the accurate amount which is why they couldn't accept my payments. How could they foreclose on my property when they admitted to not having the proper documentation yet from the recent sale from XXXX? It has come to my attention that an associate of XXXX XXXX XXXX XXXX has a vested financial interest with Specialized Loan Servicing. Is that a conflict of interest? It appears SLS purchased my mortgage with the expectation of foreclosing on my property without allowing me an opportunity to question the inconsistencies. I argue that our lenders and servicers have exploited our mortgage account for financial gain with intent to cause my family financial harm. I ask CFPB to fully investigate this matter, and know that I am prepared to pay what I accurately owe. I beg for your immediate assistance investigating this matter to the fullest extent possible.

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 2020-06-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Initial complaint filed over the phone. NewRez/Shellpoint is incumbering property tax and insurance payments from my checking account for my mortgage property located at XXXX XXXX XXXX XXXX # XXXX, XXXX CA. They are not paying my taxes promptly. This mortgage financing company is fraudulently taking insurance payments from my checking account when they clearly know I have purchased property insurance already. I would say they are embezzling my funds. Now they are trying to increase my monthly payment by {$400.00} because of an increase in insurance payments. This is fraud. They knew I had property insurance already yet they continue to take money from me for property insurance. I want them to stop taking money our of my account for property taxes and insurance effective immediately. I also want to be reimbursed for the unnecessary payments I made to their company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.

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 2018-04-23
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PayPal has been processing my credit cards using their Paypal pro merchant account. They have repeatedly setup the account improperly they have caused me thousands of dollars in losses along with potential finical losses in the future due to their negligence. I have asked multiple times ( in writing ) for a head support agent to contact me to fix the issues and they keep sending me generic emails with no help anywhere in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attempting to have loan refinanced. Servicer on current loan is Ocwen Loan Servicing. Ocwen refused to give payoff amount to new lender on XX/XX/XXXX.  Called customer service today, was put on hold, and then line disconnected. Called back and office was closed, holding me hostage to their interest rate so that they can make more money.

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 2018-01-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My new employer information is not on my credit file it only has my previous employer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank  account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.

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 2018-06-19
Company: EQUIFAX, INC.
State: NC
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 have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an email from MyIDCare alerting me to a credit inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. I reached out to XXXX and started a case number XXXX and was told that the Inquiry conducted by XXXX XXXX XXXX was on behalf of XXXX XXXX XXXX. I immediately checked my freezes that I knew I had in place with Experian, XXXX, and XXXX. It turns out that my Experian freeze had somehow been lifted from XX/XX/XXXX to XX/XX/XXXX and I had Experian reinstate it. The activity in question was effectively halted. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, NA, reference number XXXX, stating that I had an application pending for a XXXX XXXX Credit Card and that they require more more information from me. I called them to state that I had never made such an application. They aborted the application and flagged it as fraud. On XX/XX/XXXX I filed a police report with the XXXX, NY police department ; police report number XXXX with Officers XXXX ( XXXX ) and 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 explanation
Consumer complaint received 2019-10-22
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PlusFour Inc. Has refused to remove information/account off of my credit. I have repeatedly disputed this and they continue to say its accurate. It is not my debt and I am fed up with a collection agency that illegally bought this case and has no right to report and refuse to remove this from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX of 2019 I submitted a payment of over {$4000.00} to XXXX XXXX XXXX. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with XXXX XXXX XXXX for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.

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 2021-08-14
Company: WELLS FARGO & COMPANY
State: NC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
There were two times when I was unemployed. I called them to let them know and they pushed me into forbearance. It wasn't until recently that I found out I could have done the income based repayment, this went on for a total of 3 years or so. I tried calling them recently and they refuse to help. They allege that they do not have records of mine prior to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Rosebud Economic Development Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have taken out loans through Rosebud Lending ( d.b.a. XXXX  ) in the past but I was unaware these loans are illegal in my state of Arizona where I am located. The interest on my loan is more than 500 %. I have already repaid the initial balance and interest ( more than 130 % of the original balance within 2 months ). I would like this loan to be voided since it is illegal in my state. I am not, at this time, seeking a repayment of the thousands of dollars I have already repaid under previous illegal loans.

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 2020-06-27
Company: EQUIFAX, 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:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation