BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Paypal Holdings, 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 received an attempt to collect a debt from XXXX, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a Paypal account. 

I do NOT have a paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the XXXX major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I also dispute the following unauthorized credit inquiries 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 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 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 2023-03-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX # XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to 2018, this is a violation has this account was not opened in 2018. Have XXXX XXXX XXXX  verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.

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 2019-09-03
Company: Applied Data Finance, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a communications regrading a settlement involving predatory lenders who illegally are charging higher interest rates than allowed by the applicants state of residence. This entity file a lawsuit against similar predatory lending on behalf of consumers regarding the unethical lending practices. The lawsuit indicated the lender violated federal and various state laws by ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers and they did not have that license, ( c ) services or collection activities, ( d ) their involvement in and support of other parties conduct. This lender is operating under the same guidelines. The loan documents I received are deceptive and indicates the laws of the state of Utah will govern the loan. I reside in XXXX. The name of the companies are XXXX XXXX doing business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} 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 2020-02-25
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, we had closed on a new mortgage for our property in XXXX XXXX, MA. The closing went fine and the initial mortgage was set up properly with the broker that we had used - XXXX XXXX in XXXX, MA. 

XXXX sold the mortgage to NewRez LLC shortly after the mortgage closed. The mortgage was transferred over and we got all of the new account information. And we continued to make our monthly payments on-time. 

On XX/XX/XXXX, I got a call from the Town of XXXX informing me that my property tax had not been paid and was past due on XX/XX/XXXX. 

Upon doing some research, I discovered that NewRez had the property address incorrect on the mortgage account. Instead of correctly noting - XXXX XXXX XXXX, XXXX XXXX, MA they had my primary residence listed - XXXX XXXX XXXX, XXXX, MA. This error in the NewRez system created a number of problems for me : 1. NewRez did not pay the property taxes out of the funded escrow account 2. NewRez had sent out 1098 tax forms with the incorrect property address listed 3. NewRez had contacted XXXX XXXX insurance to change my homeowners insurance with the incorrect mortgage accounts. 

I have called NewRez a number of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to make them aware of their error and work to get everything corrected. To date the only change they have made is to list the correct property address on the account. 
I am still waiting for them to : 1. Pay my property taxes ( now 22 days late ) 2. Send me corrected 1098 forms so I can file my taxes 3. Have a supervisor call me to inform me why this problem occurred in the first place. I have asked for a callback now 3 times and each time am promised that I will get a call within 24-48 hours with no response Throughout the process of trying to get them to correct their system errors, I have spent hours of my own time, I have been routed to the wrong agent multiple times, I have been been given incorrect information, and I still have not received a call from a supervisor. 

Please help to get NewRez to do their job and service my loan correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless 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 2019-07-16
Company: AmeriCollect
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: Was not notified of investigation status or results

Complaint:
Americollect Inc # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do 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 items which are found to be opened due to identity theft. Please block/remove these files. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Ocwen Financial Corporation
State: TX
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 reached out to PHH mortgage on multiple occasions since XXXX to have them correct an error in reporting late payments. I sent them copies of my credit reports and asked them to remove them. In there own response they said that 2 of the payments were during an agreed upon payment plan ( during COVID ) So not late. And the 3rd payment was when the account was in deferment during COVID. Again this would mean NOT LATE. When I talked to their reps during this time they assured me these agreements would have no negative impact. They lied! This account is now paid in full and reflects differently on every single report. XXXX shows correctly where there was no negative impact as they promised. XXXX shows 60 days late on all 3 payments and XXXX shows 30 days late on all 3 payments. If you look at the rest of my report I do not have a single late payment anywhere else. EVER. I would like this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was stopped in XXXX by a guy promoting XXXX XXXX XXXX  products, I listened and I was interested. I was supposed to switch to their service when I received their new XXXX. I received it a couple of days after but for some reason it wasnt working. I contacted XXXX XXXX XXXX and actually went to their store while simultaneously asking for help from the guy at XXXX who was promoting their services. Eventually the phone couldnt work and I was advised by everyone at XXXX XXXX XXXX to send it back. I sent the phone back and I contacted XXXX XXXX XXXX  plus the guy at XXXX. About a month after, I received a bill and I called them back. Everything was taken care of since I had never used their devices or service. Next thing I know was a debt collector company calling me all the time and sending me letters of debt. About a month ago I saw the debt reflecting on my credit but after reporting this and talking to both XXXX XXXX XXXX and the debt collectors, it disappeared from my credit report but Im still receiving emails about an outstanding debt. Please advise. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.

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 2016-08-17
Company: Mobiloans, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month

Company response to consumer: Untimely response
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 response to consumer: In progress
Consumer complaint received 2023-06-16
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:
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 an update of the following erroneous information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Experian Information Solutions 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:
I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name 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 2016-05-26
Company: Cornerstone Legal Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am very concerned that I was scammed by cornerstone legal LLC! 
They will return my emails or phone calls and I 'm now getting sued by credit card companies!!

Company response to consumer: Untimely response