BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
I noticed that there were several inquiries on my report that I do not recognize and did not authorize. There are all listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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:
I received a notification by TranUnion that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from TranUnion. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

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 2021-06-16
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've tried to inquire about payments and the additional per diem interest charge on my account when the contact already calculated the finance charges. The loan amount on this is loan states {$10000.00} and I've made payment on or before the due date. But back in XX/XX/2019 the loan started getting problematic and the account started accurring per diem interest and due to the reversals of payments for corrections on Bridgecrest aka XXXX I was being charged double interest on this loan and the even though I made extra payments some because they deducted payment twice and others I made to apply to principal only the balance doenst seem to be correct and the principal only payments some are missing because upon reversal of payment it was applied to the interest because their system took payment as being late or not paid, so this account is totally incorrect and I have no idea at this time where my payment are being applied, despite the transaction history. You can see that majority of payment goes to interest. And Im not sure why Im being charged a per diem interest rate when the finance charges were already calculated in the loan amount. So I'm double paying on interest with per diem which shouldnt be on the account, and the already finance charges on the agreement. 
At this rate I will never be able to pay this loan off even in the allotted 66 months that also increased to 69. My payment are $ XXXX and payments started XX/XX/2019 to present but with additional payment which seem to be missing? Im not sure how they applied because the whole amount should be applied to principal but payment was reversed out there system and then applied as a regular payment and interest deducted. I cant get an accurate count on number of payments but I believe its somewhere between 28 or 30 maybe more because of reversals. I tried to contact Bridgecrest and have them audit the account and asked for explanation of the per diem interest but they keep insisting that the account is on tract. I asked why the per diem interest if the finance charges is already included, They tried to assure its the same thing finance charges and per diem interest which is nowhere on the contact that I agreed to. If you changed this is was in hopes that I would default on the loan or payments which has not been done on my part. So this is double finance charges so I wont be able to pay this loan off. I need assistance to get this account recalculated and remove the per diem interest since that should even be charged at all.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX XXXX and, TransUnion with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.

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 2021-06-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated an online bill pay in my Chime checking account which is sent by Chime in the form of a check for a XXXX XXXX XXXX policy premium. The Chime banking system indicated the check was sent on XX/XX/2021 to XXXX in the amount of {$120.00} at XXXX and indicated the check was SETTLED or paid to XXXX XXXX XXXX never received payment and my Life Insurance policy lapsed because of it. I reached out to Chime twice regarding the matter. I asked them to cancel the check and refund my account which they did. They had nothing to say regarding their actions cancelling of my insurance policy at 48 years of age. The main issue is the fact that they said the funds were paid and settled and they weren't which leads me to believe there has to be many other customers, as I would have never known the funds were not settled had my insurance policy not been cancelled. The attached snip of my bank account shows the cancelled check and the original check, and the original check STILL shows settled. If this isn't a CFBP problem, I don't what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b TransUnion are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ) TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-06-16
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
WestLake Financial is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.

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 2018-03-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS ON A PAYMENT PLAN WITH THE MORTGAGE COMPANY AND WHEN I CALLED TO MAKE MY PAYMENT IN XX/XX/XXXXAND WAS TOLD THAT I DIDNT HAVE TO MAKE THAT PAYMENT BECAUSE BECAUSE THEY WERE GIVING ALL THERE CUSTOMERS 3 6 ARE 12 MONTHS DISASTER FORBEARANCE DUE TO HURRICANE HARVEY. I WAS GIVEN A 6 MONTH FORBEARANCE WITH NO PAYMENT, BUT INFORMED THEM THAT I WOULD PAY XXXX A MONTH INSTEAD OF NOTHING. I WAS TOLD THAT AFTER THE FORBEARANCE THAT I WOLD RESUME THE REGULAR REPAYMENT PLAN ARE THE WOULD EXTEND THE FOREBEARANCE AN ADDITIONAL 6 MONTHS. AT THE END OF THE FOREBEARANCE I CALLED TO MAKE THE PAYMENT AND INQUIRED WHEN WOULD I RESUME THE REPAYMENT PLAN ARE IF THEY WERE GOING TO EXTEND THE FOREBEARAC E. I WAS INFORMED AT THAT TIME THAT NONE OF THAT WOULD HAPPEN, I HAD TO BRING THE LOAN CURRENT, ENTER INTO A NEW REPAYMENT PLAN THAT WOULD DOUBLE ARE BE FORECLOSED ON. I THEN INFORMED THEM OF WHAT I WAS TOLD AND WAS TOLD THAT WHEN THE FOREBEARANCE WAS GIVEN THE INVESTOR DIDNT KNOW WHAT THEY WERE DOING AND THAT THERE WAS NOTHING I COULD DO. I WAS THEN TOLD THEY WOULD GIVE ME A FLEX MODIFICATION, WAS CALLED ON XX/XX/XXXX AND WAS TOLD THE MOD WAS APPROVED AND I WOULD RECEIVE PAPERS IN THE MAIL. ON XX/XX/XXXX I RECEIVED AN EMAIL SAYING THE MOD WAS DENIED. I THEN NOTIFIED THE LENDER ONXX/XX/XXXXAND WAS TOLD THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT AND THAT IT WAS A FRAUDAUNT CALL. I AM SO CONFUSED, BECAUSE THE CALL DID COME FROM THEM AND I CALLED THEM BACK ON THE SAME NUMBER THEY CALLED ME FROM. THEY FINALLY SAID THEY CALLED ME, BUT SPOKE WITH AN ANSWERING MACHINE. NO, YOU SPOKE WITH ME. I WAS THEN CALLED BY ANOTHER REP AND WAS TOLD THEY HAD USED THE WRONG APPRAISED VALUE TO DO THE MOD AND THEY HAD COME UP WITH ANOTHER VALUE, BUT I HAD TO PAY XXXX  FOR AN APPRAISAL TO GET THAT OTHER VALUE, BUT WAS TOLD THEY MAYNOT USE THAT VALUE. WHY TELL ME THAT THEN. I WAS THEN TOLD THEY WOULD SEND A NEW MODIFICATION PACKGAGE OUT FOR ME TO FILL OUT TO DO A DIFFERENT TYPE OF MOD AND AS OF TODAY XX/XX/XXXX I STILL HAVE NOT RECEIVED IT. REACHED OUT TO THE LENDER AGAIN INREGARDS TO THE MOD PACKGAGE AND WAS TOLD BY A REP THAT WAS NOT AN OPTION FOR ME. REACHED OUT TO FREDDIE MAC THE INVESTOR AND WQAS TOLD THEY WOULD REACH OUT TO THE SERVICER TO GET ME A PACKGAGE OUT. THESE PEOPLE ARE SO RUDE AND NOONE KNOWS WHAT THEY ARE DOING AND EACH STORY IS DIFFERENT. PLEASE HELP ME, I DONT WANT TO LOSE MY HOME, ALL I NEED IS ASSISTANCE FROM THEM TO MODIFY MY LOAN AS PROMISED IN THE BEGINNING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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:
PayPal limited my account for no reason and will not help me. I already submitted their requirements but still, I can't withdraw my money on PayPal. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just watch on XXXX that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a PayPal credit card for my wife on XX/XX/21, she has been deceased for many years

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 2023-11-19
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Been having same issue with my macys credit card and it's been on my report, I have called macys and explained I was in military bootcamp at the time where I didn't have access to my phone or internet and I did autopay with my bank then but didn't go through for some weird reasons, I have never been late with my payment and I need this erase of my report.thanks.

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 2023-07-10
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My phone/device was lost and my card was linked to CashApp overtime and gradually emptied into XXXX transactions that Im unaware of. I realized this recently and luckily caught it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to experian, XXXX and XXXX and still no correction.

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 2022-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made numerous attempts to contact Homebridge Financial Services, Inc regarding my escrow refund in the amount of {$2300.00} since XX/XX/XXXX and they refused to send me the refund. Instead they have forged my name on the back of a check that I never cashed and they refused to provide the banking information where check was processed. I have repeatedly spoke to numerous reps that admitted check was not cashed or submitted to my residence. During this process I spoke to several representatives on : XX/XX/XXXX, spoke to XXXX employee # XXXX stated check was mailed to XXXX XXXX XXXX XXXX but was never cashed and she submitted request to reissue check. On XX/XX/XXXX, I spoke to XXXX at extension XXXX, which stated check was never cashed and she completed a form to expedite check to be mailed to my residence in 10 days. On XX/XX/XXXX, I talked to XXXX she stated see previous notations from other representatives in her organization that check was in process to be mailed. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX XXXX through email she stated check was mailed on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX, she verified that the check has not cleared and would like to proceed with it being reissued to my residence. On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX stated she received a call that check was cashed and cleared on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX stated according to your Servicing Accounting Department the check was cashed by XXXX XXXX, a subsidiary of XXXX XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX stated if check was cashed by someone else other than myself, I need to file a police report and submit to Homebridge Financial Services , Inc, so she can complete fraud paperwork. I filed a police report and submitted document to Homebridge Financial Services, Inc office. I am requesting assistant to resolve this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation