BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We sold our home in the XXXX. Michigan and purchased a new home and property in XXXX Michigan in XX/XX/XXXX. We had a VA 30 year fixed loan and the payment was XXXX. Our loan was sold to a new mortgage company , The Money Source, in XX/XX/XXXX. We received a letter explaining that our loan had been sold and where to send the payment with no other information provided. We then received our " first '' mortgage bill at the end of XXXX due XX/XX/XXXX and the amount was {$500.00} dollars more than our original mortgage payment. At the same time, we received a " new '' mortgage insurance amount that had doubled within a few months. In addition, we received our " new '' property taxes and they had also doubled. When everything was said and done within one month our payments increased {$800.00}. When we contacted the mortgage company they stated to us the changes were in relationship to our " home '' not being our " principle property. '' We told them it was indeed our principle/primary property and our " only '' property they told us when they purchased our loan the information indicated it was our " secondary '' property. 

The mortgage was done as a primary residence at the time of closing. We have lived in this property as our primary since closing. We have no other property. The new mortgage company , The Money Source, took it upon themselves, at the time of servicing transfer, to change my property from primary to secondary, contacting my homeowner 's insurance and property taxes without ever reaching out to me for clarification. Due to this clerical error, my payments have been made unaffordable, putting my husband and I into significant stress and despair. Furthermore, the mortgage company refuses to expedite any changes as this has been ongoing for months. I am running out of money and options and I sincerely need help to prevent me from losing my home due to the actions of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: NH
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:
For the last 3 years I have been dealing with XXXX  and Equifax continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter 7 Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX- {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX- {$0.00} XXXX Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXXXXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We live in XXXX TX and were one of many families whose house flooded due to Hurricane XXXX. We have flood insurance and met with our adjuster XX/XX/XXXX. During the time were were waiting to see our adjuster we ripped up our floors, drywall and cabinets and started the drying process at the request of the adjuster. We have located a contractor and submitted all documents necessary to the mortgage company Penny Mac. We were issued a XXXX immediate release of contents money and XXXX of Dwelling. It was an enormous struggle to get the " Immediate Release '' of funds returned to us. Our Adjuster wrote a letter to the Penny Mac Loss Drafts department ordering them to release the money so we could continue to move on plus reimburse ourselves for the expenses already incurred. On XX/XX/XXXX the XXXX dollar check finally arrived. We contacted the adjuster and explained how long Penny Mac held our check. and asked if she would release another XXXX so we could proceed. She agreed and XXXX cut another check. On XX/XX/XXXX we 2 day Priority Mailed the check to Penny Mac. They have been holding the check ever since. I have called so many times I have lost count. I am given a different excuse as to why I can not collect the funds every time I call. Please check the websites XXXX XXXX XXXX and XXXX XXXX. We are unable to live in our home and are currently using our auto insurance proceeds to help pay contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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:
In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what criminals have done to hurt us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX, attempting to collect a debt of {$520.00} related to a PayPal Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. XXXX has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
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: Account information incorrect

Complaint:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
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:
I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact XXXX and Transunion about the matter to dispute the error, to the day Transunion have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXX also the exact same thing with XXXX. On XX/XX/XXXX I contact XXXX about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting XXXX, Transunion and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.

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 2017-11-14
Company: WINN LAW GROUP, APC
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:
XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Made a sale via the paypal platform for {$150.00} on XX/XX/2019 buyer desputed transaction and made a chargeback i desputed and won the despute and reversed chargeback then paypal closed my account and placed a hold for 180 days 4 moths has past and talked to paypal over phoneXX/XX/19 and told them i need to withdrawal my money asap ... ..i came thrugh on my end shipped and all that and i won the chargeback despute its done case closed i waited enough i need my money its mine i need it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: Dyck-O'Neal, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a Candian bank XXXX XXXX on my credit report. I think it belongs to someone with a similar name. I've submitted a request for removal from Equifax before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: MoneyLion Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

MONEYLION INC . 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my TransUnion score had dropped 30 points!! I panicked and immediately called Transunion and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that XXXX had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to XXXX directly. Still to this day my TransUnion credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! XXXX XXXX has launched investigations and claim that there 's nothing more that they can do. That TransUnion is just reporting the information inaccurately. And Transunion claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told TransUnion this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at XXXX ever again. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filing this report because of the accounts in Transunion that are false and should not be there. I tried sending letters to them but they are not removed as of writing. Please help me remove these false accounts because they should not be in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: Experian Information Solutions 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:
In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what XXXX have done to hurt us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Central Portfolio Control Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt ( CENTRAL PORTFOLIO CONT ) showing up on my XXXX credit report that I am not responsible for nor do I have any knowledge of.

Company response to consumer: Closed with explanation