BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM FROM NATION CREDIT ADJUSTERS IN REGARDS TO AN ALLEGED DEBT FOR {$1200.00} OWED TO XXXX XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE PROMISSORY NOTE SHOWN AS EXHIBIT C IS NOT CORRECT. I HAVE NEVER LIVED IN TEXAS IN MY LIFE. SECOND, THIS ALLEGED DEBT IS FROM XX/XX/2015. TEXAS LAWS STATES THE STATUTE OF LIMITATIONS ON DEBTS ARE 4 YEARS. NOT ONLY IS THIS DEBT FRAUDULENT, BUT IT IS ALWAYS IN VIOLATION OF A STATE STATUE. LASTLY, NATIONAL CREDIT ADJUSTERS ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) NATIONAL CREDIT ADJUSTERS ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, NATIONAL CREDIT ADJUSTERS ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i am victim of creditors and attorneys, due to sudden XXXX of my husband Mr XXXX XXXX with XXXX XXXX, i end up with XXXX XXXX so my family went into disaster of life. 
i defoulted into late payments for mortgage, we owed bank very small amount of money compare to loan we took, i payed them regularly until husband XXXX.i got sick, bank forclosed and auctioned the house, i begged and pleaded the forclosure attorney to give me three days to get money out of my 401 k to pay off remaining loan balance they told me someone will contact me next day, no one called me back when i called them next day they would not take my call, later following day for closure attorney said your house is allready auctioned you have to get out of the house.bank used up 18 yrs of equity i had in the house,18 yrs of payments,XXXX dollar down payments from saving, all went away. 
now i cant have any decent home for my family, i am thrown into creditors and credit repairs and collection agencies, this is the dream of american family, we buy houses we pay mortgages when hard time come or husband XXXX, then family get thrown out and loose everything, except loosing bad credit, bad credit is labelled on me now, after loosing everything ... ..

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 2018-05-04
Company: ALLY FINANCIAL 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:
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Flexible Finance, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello I've applied and have been using Flex services for a couple of months. You must have funds available to charge on your card for your first months rent. Then the service will pay your full month it's split into to payments and a membership is charged monthly. I've been having problems and had the money. When XXXX came time to pay you can not get hold of anyone for hours. It's all thru email, no phone call, no phone service only thru customer support. I just received a eviction notice and I was charged XXXX for my bill. You have until the 5th from my complex to pay and I did and got a email the next day saying they could not charge my payment. Made no sense when I've sent XXXX emails since XXXX XXXX  on the XXXX requesting for payment to be made. I was told the next day should d XXXX XXXX that they could not post payment or had problems. I made sure there was no problems. 

Spoke with my complex and said they should of had no problems making payments. There stating you must have XXXX. And I did but they paid with a credit card which is still showing in my account. Now I am left with late fees and evictions notice. This is bull. 

Bad business ratings for this company because people can not get a hold of them. They also deactivated my account by mistake according to the rep on XX/XX/22 but reactivated XXXX XXXX XXXX apologizing for the inconvenience. The rep told me. And then took my second payment. In XXXX we had an issue they took my rent payment on the XXXX then did not pay until the XXXX. The company is flexible finance Inc. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my concern regarding the permanent limitation placed on my PayPal account. I believe this limitation may have been imposed by mistake, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request that you re-investigate my case and consider restoring my account, if possible. I have always been a law-abiding and responsible user of PayPal, and I have utilized the platform for various legitimate transactions without any issues in the past. 

Given the importance of my PayPal account for my online activities, I am deeply concerned about the inconvenience and limitations that this restriction has caused. I would greatly appreciate it if you could expedite the review process and provide a timely resolution to this matter. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that you keep me updated on the progress of the investigation and provide any additional information or documentation you may require from my end to assist in the resolution process. 

Thank you for your attention to this matter. I trust in PayPal 's commitment to fairness and professionalism, and I remain hopeful that you will reconsider the limitation placed on my account based on the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: MD
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 an effort fix my credit and to remove negative items from my credit report, I began to address the underlying issues on what was owed on all of the accounts on my credit report. 
XXXX XXXX XXXX XXXX had a balance of {$210.00} as XX/XX/XXXX. I began to dispute this amount with Experian credit services, and provided them the necessary documentation from the company that was seeking to recover the {$210.00} debt. XXXX XXXX XXXX XXXX 's XXXX group, was the law firm handling the account. I contacted them, and I made arrangements to pay them the {$210.00} plus the interest which amounted to {$210.00} on XX/XX/XXXX. I submitted this letter to Experian so that they can update the account, and remove it at my request. 
On XX/XX/XXXX, after having filed a dispute several times, Experian told me that the account still remains and that the balance is still owed of {$210.00}. All Experian continues to do is update the account and tell me that the balance of {$210.00} is still owed. I can't imagine why they would tell me this even when I had submitted documentation to dispute their investigative efforts. 
Their case number regarding this is # XXXX. Can someone from this office contact Experian, and raise these questions about why they will not update the account and remove this as paid in full from my credit report. If Experian, XXXX, and XXXX  are there to report negative information on consumers who have faulted for some reason or another on a debt that they owed, and the consumer rectifies that problem and pays it off in full, and has documentation stating that it has been done so, why are these credit bureau 's not updating properly the information that is given to them so people can move on with their life? I am going to submit the letter from XXXX, XXXX and XXXX to further solidify my position in this matter. 
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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-05-31
Company: Experian Information Solutions Inc.
State: NY
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, I have contacted the company with a FTC report and a identity theft affidavit. They said that I did not have a police report when I did in fact have a police report. The police report is the FTC report. These accounts aren't mine and should not still be on my report. I am in the process of buying a house for my family and we may be homeless because of these fraud accounts. This is not right. I believe this has to be against the law. Help me and my family remove the accounts. I have attached the FTC report, and Identity theft affidavit, with proof of my identity.

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 2021-05-04
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. 

Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. 

When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. 

From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.

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 2021-05-31
Company: EQUIFAX, INC.
State: NY
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:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX  CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease.

They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs.

During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since

XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX.
I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX   HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN.

My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX  are none of the former owner 's business.

Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again.

They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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