BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
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:
There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account

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 2021-06-01
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to this company at Global Credit Collections and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of Global credit collection Corp named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: OK
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 found out this week that Equifax has been submitting my credit report information to XXXX XXXX   twice a year for no reason what so ever. Since Equifax has done this, my credit limit has been lowered on two of XXXX XXXX  's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX and XXXX ( both are XXXX XXXX Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what Equifax had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, Equifax did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: HOVG, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my wife and I signed up for a home equity line of credit which was serviced through Specialized Loan Services ( SLS ) in the amount of {XXXX}. 

We failed to make payments on the note, and subsequently a lien was placed on our home. 

SLS now says we owe the principal balance of XXXX XXXX XXXX XXXX XXXX in interest. 

Our issue is not with paying what is owed - we are planning to sell the home this year, but the interest amount exceeds Washington State 's statute of limitations which states that interest can not accrue indefinitely beyond the six year mark. 

For the last two years we have directly attempted to communicate this and had two different attorney 's attempt to get SLS to adjust the amount of the lien to the amount that would haver been due at the six year mark but have been denied, most recently claiming that they need to assess the amount of equity on the first mortgage ( which is current ) before they would consider anything.

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 2020-08-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I filed dispute numberXXXX Against Paypal I have a consumer protection office for my account XXXX And their response was that they took my money, which amounted to XXXX dollars, because they felt that I was selling counterfeit products. 
Why did Paypal not notify the police against me because I am selling counterfeit products? 
How does Paypal take money when it admits that it is a crime - and conceals it from the police and investigation authorities. 
Why did Paypal not inform the company that claims that I have counterfeited its products in order for legal measures to be taken against me. 
If I, as Paypal claimed, I sell counterfeit and forged products and this is a crime according to the law - Paypal has committed several crimes for covering up that crime, appropriating the money obtained from it, and investing that money in its projects, which is the crime of money laundering. 
Paypal explicitly acknowledged that the money was obtained from selling counterfeit products - and instead of reporting to the police, they took the money for themselves. 
And US law punishes anyone who learns of a crime and does not initiate to inform the authorities, because he is thus considered a participant in it. 
They also took those money for themselves, claiming that it was to make amends for the damages suffered by them. According to the law, these funds must be handed over to the police authorities until they are investigated with me into those allegations that are deterred by Paypal. 
The Consumer Protection Office must take deterrent measures against PayPal so that they stop seizing the money of depositors under the guise that they are violating the law because that is a crime of extortion The Consumer Protection Office must open my dispute again and open an investigation against Paypal to protect American companies that people imitate their products and Paypal in the end seizes the proceeds of the sale without informing the police, which affects the American economy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, Equifax or XXXX  that this account was being placed back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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:
There are 8 loans on my credit report that do not belong to me I have not applied for these or used any of these I have no idea whos student loans these are or why they are on my credit report I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account

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 2018-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Charging {$15.00} processing fee every month to make Mortgage Payment! Even my son questioned how this practice could be legal. {$5.00} to pay online or by phone from XXXX to XXXX of month and {$15.00} by phone or online from XXXX to XXXX of month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I switched bank, so on XX/XX/XXXX. I logged into my Citi Advantage Credit Card Account to updated my new bank information for Auto Pay ( as I always do ) and my new email address. The Auto Pay didn't go through and I have no recollection my account was two month past due until Citi representative called me on XX/XX/XXXX. Since my account was set up with paperless statement and only to receive email notifications. When I asked why was I not notify by email. The agent claimed I had a wrong email address in my profile. I can vouch and confirm that's a total false answer! When I check into my email. I found promotional emails from Citi Advantage in both month XX/XX/XXXX and XX/XX/XXXX. All emails are still on my rmail server and account. As Citi being a such big and reputable company. WHY WAS I NOT NOTIFY BY EMAIL, PHONE or MAIL SOONER? I could have saved two late fees {$39.00} + {$27.00}. Most importantly I am in the middle of loan processing for purchase a new house, so credit score is extremely crucial and sensitive at this point. I have inform my loan broker about this issue and he believes it's going to make an impact on my credit score and affect my interest rate! I am absolutely dissatisfied, disturbed and disappointed with Citi service and performance. Even know Citi representative waives one of incurring late fee and offers me a one time XXXX mileage points. I have to learn to accepted that my credit score already being damage and not reversible! I'll like to pursue and file a proper complaint about Citi AA Advantage Platinum Credit Card of how they handle their business relationships with their client.

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 2020-11-13
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Portfolio. I am so frustrated with them. I turned in a car, and they were supposed to take the money off of the account from the car I turned in. But they never did. The dealership closed, and I have no way of contacting them. I have no idea what in the world Im supposed to do. Nobody ever answers. They arent even doing a real investigation. I dont even owe this money, and they are reporting this account on my credit report as a charge off. Its impossible. They are falsely claiming I have a charge off account with the account number of : XXXX. This is so frustrating. I am an honest man, Ive never done no one wrong. I feel like the car dealership stole that car. Consumer Portfolio has no right in trying to collect this debt. Ive asked for validation and they just ignore me entirely. 

I read online that my rights are being violated and that this is all illegal. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Old information reappears or never goes away

Complaint:
Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( XXXX, XXXX and Experian ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be XXXX XXXX with a score of 715+, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at XXXX XXXX. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.

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 2018-06-25
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: Old information reappears or never goes away

Complaint:
Equifax and XXXX XXXX XXXX , XXXX refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, XXXX for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, XXXX XXXX XXXX , XXXX, which last reported this old debt on XX/XX/2018. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I was a victim of fraud and the XXXX Security Breach and I have been disputing items on my Equifax and XXXX credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with Equifax they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with Equifax and XXXX. As of today XX/XX/XXXX my credit score with XXXX is a XXXX and Equifax is a XXXX. My credit score is up and down as it pertains to Equifax and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. Equifax is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with Equifax they drop my score instead of completing the updates in which they were instructed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Netspend Corporation
State: OK
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:
I received a XXXX pre-paid card in my name when I never applied for one. The account was opened in my name and sent a card ready to use. I never wanted one nor will I ever want to open up one with them. I have never even heard of this company. I cant understand why they would do something like this. There is normally a process involving talking to the customer etc. I still cant understand how they did all this without my permission and me starting the process and talking to them. They need to quit doing this to people and cancel mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation