BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On or about XX/XX/XXXX, I opened up a line of credit with formally known as XXXX XXXX but now XXXX XXXXXXXX XXXX for XXXX. XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit and was closed. See attached closing disclosure from XXXX. XXXX XXXXXXXX XXXX has been informed to remove the false information off of my credit reporting. I sent a certified letter to the XXXX major Credit bureaus requesting " Validation '' that is competent evidence bearing my signature, showing that I had another contractual obligation with a loan in the amount of {$9200.00} and/or {$10000.00}. That I have or ever had some contractual obligation to pay XXXX XXXX. Please also be aware of any and all negative marks found on my credit reports ( including XXXX and XXXX  ) dealing with XXXX XXXXXXXX XXXX for debt that I don't owe, is a direct violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you MUST request that all credit reporting agencies delete the entry. XXXX XXXXXXXX XXXX is being reported on my credit reports as an open account that is more than 4years late not 180days late that would require by law to go into the collection status and/or charged off. I have all records of my communications and all documentations that my account was closed with XXXX XXXX now known as XXXX XXXX XXXX. I have never opened another account with XXXXXXXX XXXX  and never with XXXX XXXX XXXX I have attached a copy of the false reporting from XXXX XXXX XXXXk on my credit reporting, My closing disclosure from XXXX and the letter from XXXX XXXX XXXX XXXX XXXX with simply a denial of dispute, not showing or proving any validation of the debt bearing my signature. The open date, history, highest balance, term, payment status, account status, days late on the credit reporting all are false and incorrect.

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 2023-01-26
Company: Self Financial 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I started a first case and received a response from Self but now creating a second contingent case from the first case : XXXX ; Related to the feedback provided and the unfulfillment of their response. 

I received a letter stating all 5 transactions : XXXX XXXX ( {$21.00} ), XXXX ( {$31.00} ), XXXX ( {$1.00} ), XXXX XXXX  ( {$1.00} ), XXXX XXXX ( {$1.00} ) will be permanently credited back and that the XXXXXXXX XXXX charge that came after this complaint is still being reviewed. I received 4/5 transactions from that date and still owed {$1.00} from 1 out of 2 duplicate XXXX XXXX transactions. 

They are still charging interest while not even giving back the amount they said they were. I do not think its acceptable to wait for such a small amount they shouldve been owed and is now affecting my interest fees. It is not fair for me to pay the amount including what I am owed. The interest is also being made off of an amount I do not owe, it should be deducted from the amount I was supposed to be credited. I tried emailing them on multiple occasions and called to get no help by phone and one representative told to me to contacXXXX XXXXXXXX. No one ever responded from that email/department.

A representative from XXXX  after several emails stated that the other transactions were approved but that one is still pending and can take upwards of 90 days and to allow proper time. 

That does not make sense regarding that the other transactions were credited back and the {$1.00} from XXXX XXXX came out twice but only one was credited back and it is all part of the same dispute. 

Secondly, the dispute that came after this one was credited back so how is it that an older one that was promised did not come back and still processing. 
Why is now that amount part of the calculation for my interest as well? It should not be so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt that is reported on my credit report twice on Experian and XXXX. I have filed numerous disputes without any results. The debt is for XXXX XXXX XXXX. The reporting date is also incorrect it should be XXXX not 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 2021-07-01
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint which is actually an addendum to the first. In my first complaint, I provided proof that Mr. Cooper aka NATIONSTAR changed my mortgage payment and stating that due to their error is escrow assessment, they lowered my mortgage payment and paid me an overage of {$10000.00} that I gave back them to pay the true taxes due to XXXX XXXX based on AV. Mr. Cooper is using their ability to pad my mortgage with extra money under RESPA. I looked today to see had they updated my mortgage payment and they have not. I also just found that Mr. Cooper has not paid my SEWER BILL which is part of my taxes since XXXX of last year. The account is extremely delinquent. They paid this bill initially and simply stopped. See attached from XXXX XXXX XXXX XXXX 's Site. 
So not only is Mr. Cooper overcharging me for my low escrow account they are NOT PAYING THE TAXES EITHER PLEASE INVESTIGATE THIS, THIS COMPANY IS OVERCHARGING ME, LYING TO ME EVERYDAY PRETENDING THEY ARE HELPING ME WITH A FHA STREAMLINE LOAN WHICH NEVER HAPPENED AND I HAVE PROOF THAT I PAID EXTRA MONEY INTO THE ESCROW AND WAS ADVISED BY THEIR REPRESENTATIVE TO STOP PAYING EXTRA MONEY INTO THE ESCROW MEANWHILE THEY EXPECT ME TO PAY {$4900.00} AS MY PERMANENT MORTGAGE PAYMENT WHEN I STARTED WITH THIS MORTGAGE IT WAS {$3600.00} DOLLARS AND THEY SAID I HAD AN ESCROW OVERAGE AND THEN CHANGED MY MORTGAGE PAYMENT TO {$2800.00} AND NOW I HAVE AN UNDERPAID ESCROW ACCOUNT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
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 am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These collection account should be deleted as a confirm of derogatory nor negative in my credit file. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these fraudulent collection account : XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$270.00}.

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 non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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 am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX } XXXX XXXXXXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet Experian and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come XXXX has reported the account current and other credit bureaus has incoherent information?

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 2023-10-26
Company: Williams & Fudge, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2023 : I notified collector Williams & Fudge not to contact me at work. 
XX/XX/2023 : Followed up with a written request to cease contact at my workplace. 
XX/XX/2023 : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. 

In addition to these calls, I requested debt verification on XX/XX/2023, but received it on XX/XX/2023, violating the 30-day time limit in FDCPA 809 ( b ). 

Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I hired XXXX XXXX XXXX, XXXX to mow my lawn twice a week for the summer for a total of XXXX per month. I received a bill in XX/XX/XXXX for XXXX which I paid. Then in XX/XX/XXXX I received a bill for XXXX and I called the company and told them that I had agreed to twice a month for a total of XXXX and they were charging me for mowing my lawn three weeks in a row which I did not approve. Then another bill in XX/XX/XXXX for XXXX for the same weekly mowing 's that I did not request. I paid for the biweekly mowing 's but disputed the additional mowing 's. The company then turned my account over to XXXX XXXX. XXXX XXXX did not initially notify me of the debt but instead sent a letter to my ex-husband and put the negative information on his credit report. He filed a dispute because he knew nothing about hiring XXXX XXXX XXXX. Once XXXX XXXX realized their mistake they reported the negative information to my credit report. The initial balance was XXXX and they keep raising it, now my credit report shows an outstanding balance of XXXX. I have talked to XXXX XXXX several times initially telling them it was not my debt because I never agreed to weekly mowing 's, only biweekly mowing 's but they said I still owed since the company did the work. I did not sign the contract and it was a verbal biweekly agreement that wasn't honored by XXXX XXXX XXXX. I would like the debt removed and for XXXX XXXX for remove all their information from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
my PayPal account was permantenly limited in XX/XX/2021 I received a message that I can withdraw my funds after 180 days the time has already passed but no change to withdraw the money I called costumer support several times and each time I get a different reply one person even told me that there is no rule that after 180 days I will get my money? 
what kind of scam is this? I have received only transfers from family and friends and PayPal wont give me my money now? first customer support told me on the phone I need to wait 180 days, after 180 I was told I need to wait 1 more month. after that I called they tell me in 2 days I get an email to access my money. and now still the same I have no access to my money and they owe me XXXX USD and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Bliksum, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I applied for a Small Business loan with Loanme for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXXXXXX of XXXXXXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently Loanme put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX account # : XXXX XXXX ACCOUNT 4 : XXXX Credit core account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX  account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX XXXX XXXX XXXXXXXX XXXX  of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with equifax also but equifax will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " XXXX XXXX XXXX. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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