BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: United PanAm Financial Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took out the loan on XX/XX/XXXX. I was told at the time of the sale by the dealer and the finance company told me the same thing that I could refinance after 12 months of paying my payment on time. Not true. I would have never signed any paperwork at this amount knowing that I couldn't get a lower interest rate. I have completely struggled to pay my car payment over the last 4 years. I finally got my credit score so that I could trade it in but over the last few months Ive been in a traumatic apartment rental. I never received any paperwork about my car being reposed in fact the day before it was repoed I got a rehabilitation email saying they would work with me so that I could keep my car. They never gave me a chance to respond because the car was taken a few hours after I got that email. I called about how much I need and the first amount I was told was XXXX then I got paperwork dated XX/XX/XXXX and the amount was XXXX then I called again just to see what I would be told and it was XXXX. On XX/XX/XXXX I called and requested them to email me the amounts and was emailed another customers load paperwork. I called to alert them and at first I was told that they don't make mistakes like that but then I started reading it to them. They took the account # and asked me what I was going to do about it. This morning I called the New York State Attorney General 's office and they told me that it is against the law what they have done. But my question is that can not guarantee that they sent the other person my paperwork. I have asked for the return of my vehicle, the derogatory marks off of my credit, and forgiveness of the remainder of the loan. At first they were going to return my vehicle and refinance my loan, but my payment didn't change and I still owe 24 months of the loan. My privacy has been violated and they act like it's nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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 am intrested in disputing all invalid information on my credit report with Equifax. please update all the information to help my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Paypal Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Hello Ive being using PayPal for years They never prompted me to install a 2-step verification after they did and I added it to my account. Since then I can not login to my account with the right password because the second step they sent 6 digits to the authenticator application but they never informed me what application that is. 

After spending hours of my life and weeks of trying to get in touch with the live representative, access to talk to someone over the phone without being able to log in to an account is impossible. On XXXX XXXX, they refuse to help and can't understand the issue. They keep sending links to change passwords that is not the issue. They also keep sending links to texting over the phone again because they can not understand the issue. 

Contact customer service " as guest '' on hold forever. Nobody every picks up. 
You can only contact PayPal customer service over the phone when PIN is provided from the account after being logged in I can not remove 2-step verification without being able to log in. 
Due to this ongoing issue, I will be late on my $ XXXX credit line payments. 
I have requested many times to call me no one ever honors this request Over the texting the agents not equipt to understand the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Qualey Law Group, Inc.
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from XXXX  XXXX XXXX in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX and now XXXX XXXX XXXX   are suing me through Qualey Law Firm in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 went to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) into test drive a XXXX XXXX. I already had XXXX XXXX XXXX XXXX approval. However the sales person specifically stated they can pull my XXXX application & have the funds sent directly over so I don't have to go to the branch to sign or pick up documents and the check. He asked for my information for the buyers order. However I get 6 credit alerts and a manager coming out to tell me it was a mistake and oh well nothing they're doing about it. Called back after no one contacted me after I requested it on XX/XX/2022, spoke to the person below the XXXX, however he said OH WELL, deal with it. I want the inquiries from XX/XX/2022 removed. I received the following XXXXXXXX XXXX XXXX, Capital One, & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXX A XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2022-12-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXX A XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2018-05-15
Company: BANKERS HEALTHCARE GROUP LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I spent several weeks talking to XXXX XXXX, my loan finance officer at Bankers Healthcare Group ( BHG ), about a loan in the amount of {$850000.00}. After many discussions, he was finally able to come up with a loan terms that I was okay with, so on XX/XX/XXXX, I was asked to sign the loan documents. I was told that upon signing the documents that the loan would be funded in 72 hours. I did indeed sign the documents ; however, several days went by, and instead of being funded, I received a phone call from a lady that I had never spoken to, and she told me that they needed 1-2 weeks to fund the loan because they had to ensure that the property that they were holding as collateral had clear title. XXXX informed me that this call was a mistake and ensured me the loan would fund. After a week of XXXX ignoring phone calls, voicemails, text messages, and emails, he tells me that he has been out of the office due to personal issues, and that yes, the loan was pending title search. Since I had recently purchased the property via foreclosure, my foreclosure attorney was kind enough to not only email his title work to BHG, but also speak with XXXX on the phone on XX/XX/XXXX to let him know that the land had no liens against it other than the first lien, which I was going to use the proceeds of this loan to pay off. XXXX texted me on the evening of XX/XX/XXXX to tell me that the loan was finally clear to fund, and that I would receive my recorded phone call on Friday, XX/XX/XXXX. After that call, the loan would fund. It is now XX/XX/XXXX, and not only have I not heard one word about my loan, but once again XXXX is refusing to return my text messages or phone calls. The lien that I am paying off is a hard money note with interest of right at $ XXXX/day, so XXXX was well aware at the beginning of our talk that the loan needed to fund fast so that I could pay off the hard money loan. This delay of now 20 days has cost me thousands of dollars, and I am demanding an explanation because this is simply unacceptable!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Shellpoint Partners, LLC
State: CT
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 located at XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, sc XXXX is still reporting an account that does not belong to me. I asked for validation and they came back to say the account/debt can not be validated. I asked for proof of signature for a legally binding contract between me ( XXXX : XXXX ) , surety for the principal debtor XXXXXXXX XXXX  XXXX and they do not have it. I asked them for my original security instrument that was used originally with another creditor in equity for the exchange of real property and they said they can not produce it. This company is still reporting inaccurate fraudulent information that is affecting my livelihood and I did not sign a contract to do business with them. I need this to be investigated and resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received this billing by PayPal for XXXX XXXX purchase of {$450.00} USD which I never authorized nor purchased. Copy of email follows : From : XXXX # XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  XXXX To : XXXX Subject : Invoice due date approaching XXXX XXXX : Hi, You might want to double-check your statement. # XXXX, Have a great day. 
Invoice for XXXX XXXX XXXX Sir, We appreciate you with us. 
This email serves as proof of your most recent payment of For XXXX! base Transaction. This transaction can take some time to show up on your statement. -- -- -- -- -- -- -- -- -- -Product Description : -- -- -- -- -- -- -- -- -- -- Product Amount Payment Status Payment Date Invoice No XXXX XXXX {$450.00} Confirmed Monday, XX/XX/2023 XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Notes : Refunds can be requested within XXXX hours of theppayment, so please let us know if you have any problems with the transaction within XXXX Hours. 
CustomerSupport+XXXX XXXX XXXXXXXX ) - ( XXXX ) - ( XXXX ) Sincerely, XXXX  PayPaI - All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX  from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other 2 XXXX and Transunion just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will XXXX or transunion.

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 2022-12-28
Company: Resurgent Capital Services L.P.
State: NM
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 have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to LVNV from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at LVNV funding signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all 3 credit bureaus as well as LVNV funding and I can not get this corrected. 
XXXX deleted the LVNV acct after reviewing the documents. However the other 2 XXXX and XXXX just keep telling me they contacted LVNV and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. LVNV transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes 2 seconds to look up on their website but, LVNV will not correct this issue, nor will XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXXXXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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