BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I disputed my 30days past due. I was having a financial hardship at the time. Request to remove of my credit report. Moving forward Ive never been late with my car payment

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: SC
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'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 XXXX. 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
Consumer complaint received 2021-06-19
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:
Experian Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.

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 2021-06-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
back in XXXX  i had car from XXXX was accident and XXXX by ins, company but some how car lease did not get paid in full they putt me in collection never want to resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Paypal Holdings, Inc
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 am trying to close my PayPal account associated with email XXXX. 
When I submitted complaint XXXX PayPal responded that I have an outstanding balance of {$380.00}. 

However, when reviewing my account balance there is no evidence available to me that demonstrates I have an outstanding balance of {$380.00}. PayPal may prove with an itemized account statement the outstanding balance PayPal is referring to. 

When trying to review transactions these are not available, please review enclosed video. There is no evidence that I owe money to PayPal. 

I also request that PayPal to provide a toll free number for calling PayPal customer service outside the United States. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX there was a derogatory marks on my account as a result of a balance of {$990.00} from National Credit Systems. This company is a collections agency that The XXXXXXXX XXXX use. 
I had to terminate my lease as a result of a job opportunity elsewhere, I reached out to the front office at The XXXX, spoke to a lady by the name of XXXX XXXX explained my situation and said she would email me my Move-Out statement with the full balance I had to pay before moving out. The phone call with her was in the beginning of XXXX, XXXX sent me an email on on XX/XX/XXXX with the total amount of {$1000.00} plus my monthly rent of {$1200.00}. This amount had to be paid by or before XX/XX/XXXX. When I went to their website to make the payment I had the final amount of {$2100.00} which was paid in full on XX/XX/XXXX. 
Months later I get a notice that I am in collections due to me not paying The XXXX, I reached out to the apartments. Spoke to a young lady at XXXX who asked for the supporting documents. Those were emailed on XX/XX/XXXX. I called the following day on XX/XX/XXXX after the manager reviewed the documents, spoke to the manager who then stated it was reviewed and she apologized for the error on their behalf. Turns out the apartments were under new management and I paid the amount to the other management company, but to not worry and the mistake would be situated by her team. I have since, received another decrease in my credit score as on XX/XX/XXXX, which to me indicates it has not been situated. My score went from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter to Financial Recovery Services Inc., asking them to validate the debt that they are claiming that I owe to them, I dont know who these people are, I have never done business with this company before, I do not have a signed contract with this company that says that I agreed to pay them anything. The response that I got from this collection company is 4 copies of a card statement and on 2 of the statements, the due dates are 2 different due dates on the same month, copies of statements of an account, do not prove that this debt belongs to me, I asked this company to provide me with all of the information that I asked them for and they just decided not to, the FCRA is clear when it states that I have a right to dispute this debt and that is what Im doing. I want this company to provide me with the signed contract that says that I have to pay them the amount that they are asking for, if they dont have the contract, I want them to stop asking me to pay them money that I do not owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NJ
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX  Date of Inquiry : : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine.

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 2022-01-12
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2022-01-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I made a money transfer to a friend using the app Venmo, a PayPal entity. My Venmo account is linked to my checking account at XXXX XXXX. XXXX XXXX had, unbeknownst to me, placed a hold on my account to investigate a potential fraudulent transaction. Due to that account hold, my Venmo transfer failed, and as a result, Venmo froze my account. I was unable to move any of my funds in Venmo out. After speaking with customer service, I was told that if a friend sends me money using Venmo, it would unfreeze my account. I tried this and it worked. However, when I tried to transfer money to friends that I owed, the Venmo app denied my transfer and gave me an error that I was no longer allowed to use my XXXX XXXX account because of the previously failed transaction. I contacted customer service again, and they are requesting a copy of my bank statement so that they can review the statement in order to allow transfers to and from that account. This seems highly inappropriate and intrusive - that a digital wallet company should want to see my private bank statement without logical justification. Even brick and mortar banks would not ask for this due to a failed bank transfer- they would simply wait. a few days and try a third or fourth time. Venmo. has told me. I can redact any information I want except for my legal name, the bank account number, and one successful transaction after XX/XX/XXXX. First, I do not have the ability to redact that information. Second, even if I did, who is to say a curious member of their review team could not unmask that information. It's not right for them to ask me for my bank statement for an issue that wasn't my fault. Even if I was at fault, it's not an appropriate solution. Venmo should allow me to make a third attempted transaction using my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX  under XXXX, tenants were not paying their rent, and I was unable to make the monthly mortgage payments. I called the bank ( Select Portfolio Servicing Inc. ) and asked what could be done on my part as well as on their end to help me. They sent me some forms to fill out and return, which I did. Around two weeks later, I called them to find out the status. At this time was informed that I was not protected under XXXX rules/regulations. This was due to the previous help they provided, allowing me to add the amount I owed onto the back of the mortgage ( {$57000.00} which they said included principle, interest, and penalties ). During this period I was informed that if I didn't make a payment of {$40000.00}, they would be foreclosing on the property. It was at this time that the tenants had applied to XXXX XXXX  to pay their back rent. I accumulated approximately {$40000.00} that I sent SPS Inc to avoid foreclosure. I received the yearly 1098 figures, and I found that I had paid the bank {$23000.00} in interest for the year 2022. I believe that this is an excessive interest charge, due to the rules/regulations set forth by XXXX XXXX since we were not permitted to charge late fees. I believe I should have been been protected during COVID, regardless of previous help provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinance my mortgage w Home Point Financial Corporation ( HPFC ) in XXXX. I have been paying my mortgage money where paymnt is electronically taken from my back account w XXXX XXXX XXXX XXXX. 

XXXX stated that I did not pay my XXXX 's mortgage. It was reported to the credit agencies and I've been notified that my credit score has dropped over 100 points. We are now nearing the end of XXXX and HPFC has yet to find where my payment went. Countless phone calls and emails w proof of drafted transactions from my online bank statements, and fax of proof from my bank to HPFC all proved useless.

HPFC 's response is, " please give us 30 to 90 days ''. I can not wait 30 to 90 days for I am in the process of searching and buying a second home and has been affected greatly.

Even after I sent them everything I have, including my bank faxing them, HPFC is still emailing me asking for me to provide my check # etc. I TOLD them ut was electronically drafted from my bank acct. My bank and I sent them proof. I question tbe competency of this company and find myself stressing unnecessarily due to the companies neglect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX, I noticed a collection on my credit report from CONNS Appliances. I immediately contacted CONNS for validation of this account. In the past, I had an account open with CONNS but it was paid off successfully, so I thought maybe the account information was somehow transposed, only to find out that a completely different account existed under my name. After I did not receive a response letter back from CONNS validating account # XXXX, I then submitted a dispute letter to all credit bureaus in which this account was reporting and I asked for validation. After 6 months, still no response. I became stressed because I could not get information on an account that was fraudulently reporting on my credit report. A year later in XX/XX/XXXX, I submitted another dispute only for the credit bureaus to state that the account was " Verified ''. I submitted another validation letter and still no response from the credit bureaus. It is now XXXX and I am still having issues with the credit bureaus not providing validation that the account belongs to me and not removing this erroneous information from my credit report. My next step will be consulting with an attorney and sue the bureaus and CONNS Appliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX and Experian are both reporting that I had an account with XXXX XXXX XXXX XXXX I never opened an account with them. According to the Fair Credit Reporting Act ( FCRA ) Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. 
XXXX XXXX XXXX Account XXXX XXXX Opened : XX/XX/21 Original Balance : {$520.00}

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 explanation