BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: LA
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 tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Public record information inaccurate

Complaint:
Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your  agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
During The XXXX Mortgage nightmare,, I was approved for a Jumbo loan on this Property XXXX day of escrow ending All the banking institution were falling Bankrupt, My Lender decided that no more Jumbo Loans were available,, They insisted i needed a 2nd. for XXXX to finish my loan.. Being A XXXX from XXXX Just moving back to mainland, My sea Container was arriving at this address XXXX XXXX XXXX XXXX XXXX ca. XXXX,, My new XXXX and XXXX XXXX XXXX XXXX felt Critical to accept The 2nd terms with no Financing avalible XXXX /Bush couldn't get a loan, The banks seeking Gov. bail outs.. we ended with XXXX XXXX  XXXX who later went Bankrupt as we were paying the loan on time, later our loan was sold from one company to next.. with no contact information, till in XXXX XXXX XXXX purchaced 2nd mortgage on a BK SALE,, XXXX raised the cost n fees to XXXX on the 2nd and never would negotiate, then THEY TOOK MY HOME THROUGH A TRUST DEED SALE, KICKED ME OUT OF HOUSE, WHO IN TURN THEY NEVER PAID MY FIRST MORTGAGE OFF AND ARE STILL MAKING LATE PAYMENTS TO XXXX XXXXXXXX XXXXY,, 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 explanation
Consumer complaint received 2019-03-20
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Discover Student Loans was unable to offer me a further repayment option when payments were made on time without issue but my financial situation was explained at several occasions. I have remaining forbearance on the loan and was denied access to forbearance to allow me time to get back on my feet. As a result I seemed consolidation with another agency and during that time of the company completing pay off Discover reported me to the credit bureau that has now effected my credit score. My financial situation was well documented and Discover would not accept any documentation nor allow me to continue to the lower repayment plan until I could get stable financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have called XXXX and Equifax at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.

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 2020-08-27
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Paypal permanently put limitations on my account since 2014. They did not explain why they did this action. Said it was transactions that was not right. Told them I had a processor through stripe. Reissued my information to them still denied me. Have not used their services since 2014 still penalize me. Tried to reach out to them in past gave me the run around and still would not tell me why they did this action. I go to an online school that only accept payments through PayPal. They let me pay my cost of tuition and service. Will not let me sign up.for others. If you need information I can provide. Will not even let my children get an account because of the address used. Can you help me out with a solution for this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. 

I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.

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 2019-01-27
Company: EQUIFAX, INC.
State: NM
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:
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
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:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Prizm Financial Company, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a car through Prizim Financial ( in XXXX, Ohio ) back in XXXX with a co-signer ( my mother ). I was the main leaser on the vehicle. I turned the vehicle in for a voluntary repossession after an accident and the company refusing to work with me to get another vehicle. The woman working there called my co-signer asking about the next payment and never contacted me. My co-signer and her had a bad conversation to where the woman said she would not accept any further payments on the vehicle and if it defaulted she would pursue garnishment towards me and my co-signer. When I called in to speak with her she refused to speak with me. My co-signer was then issued a garnishment letter as so was I ( I was working part-time and ungarnishable based on wages ). When I tried to speak to the lawyer over the case ( XXXX XXXX ) he refused to offer any settlement or set up a payment arrangement, stating that his client did not want that and suggested bankruptcy. When the car was turned in there was a balance of {$3000.00} left on the vehicle. My co-signer has since become chronically ill and unable to work and I was recently in 2019 issued a garnishment letter at my new employer ( where I still work part-time ) out of the state from where I purchased the vehicle, and the balance reflects {$6100.00}. It appears as if the garnishments never paid anything. When reaching out to the lawyer I still have not received a call back. When calling the car company to speak to someone about this again even though it has been years later, I was told " yea that sounds like something XXXX would say. '' When this initially happened I was considering bankruptcy but did not have enough debt to file ( and I still do not ), and the lawyer told me that he used to work for the company and decided to stop working for them because they did this so often, and since being a bankruptcy lawyer has dealt with so many cases from this company around the same issue. I'm not sure how this can be resolved when not even given the option to make a payment, and being refused to be spoken to when I was the main person on the account. After reviewing this company they have several complaints with the XXXX XXXX   XXXX regarding unfair lending practices, a 1 star rating as well as a 1.5 star rating on XXXX and various same complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the last year and a half, I have been trying to get a completed copy of my credit file from Equifax. They will only send me a copy of the results from my dispute. They have refused to send me a completed copy of my credit report. I have called many of times informing various Equifax representatives that I am unable to access my report online. Only for them to tell me that there are no collection accounts on my credit file. I have asked to receive a complete copy of my credit file and was told it will come in the mail. It never came in the mail. My last call to them I informed them that XXXX XXXX is reporting 3 fraudulent collection accounts on my credit file. I was told by the representative that these accounts are not showing on their end. I believed them. They also told me that they will escalate a ticket to see why I can access the online report. It keeps telling me my information is not correct. Well, I was finally able to log in yesterday. The 3 accounts that were showing on XXXX  XXXX  are on my credit report and the Equifax representative all led to me when they convinced me that the XXXX XXXX report was outdated or incorrect. I feel that this is unethical and downright illegal to tell me its not on my file so that I can't dispute it as I did with the other 2 agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: BANK OZK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX card from XXXX XXXX is not putting my payment towards my account and now put into a collection account. this is not the agreement that I intial was offered 48 months 0 % financing. the other card was a XXXX XXXX card XXXX card which was my dad 's card and I was paying it and they took my money and them sold my account to XXXX XXXX for the amount that I had paid to them. I have tried to get in touch with them but will not return my calls or my emails. I should not have to pay this card twice and it was my dad 's account for previous debts before he passed away in XX/XX/2014. they added to my account because we have the same name and address at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2018 this account that was obtain by someone who stolen my identity, open a loan under my name, I never apply for this loan, I spoke to the collection department of the XXXX XXXX XXXX and they didn't want to help they just wanted the payment of {$2800.00} I explain to the representative and they suggest me to pay the balance and they will stop calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Paypal Holdings, Inc
State: GA
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/2019, Paypal sends me an email that they are about to close my account and hold my funds for 180 days. I asked them for reason, but they are not answer the question. The reason i am using PayPal is to sell some kinds of stuff that were not about to use or send money to my friends. However, the things that I sell have great feedback and did not have any disputes. Paypal try to shut down my account and my funds for 180 days. I try to contact them and they hung up on me. Also they were rule went i try to tell them that i did nothing wrong with their service. Please help me out, I need my funds back to pay for rent and future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I sent {$75.00} from my XXXX  account to another account that will not release the funds to the recipient. I contacted XXXX XX/XX/XXXX and was informed that if the recipient called XXXX and requested that the money be reverse transferred back into my account, the situation would be handled. However when the recipient called XXXX  they informed her that her account was frozen and the money was non-transferable at that point. The only option the recipient has is reimbursing XXXX from a previous charge that was mishandled. I believe XXXX is committing fraud. Her bank never froze her transactions, but XXXX   claims it did and has locked her out of her account with a {$160.00} fee for reinstatement since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus! 
They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!

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 2020-05-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im trying to link my PNC BAnk account to my new XXXX XXXX  online account and they refuse to let me to do so!

Company response to consumer: Closed with explanation