BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I just recently reviewed my 3 credit reports after disputing several incorrect items on my report for months. I reviewed these reports from XXXX and still see major errors that the bureaus refuse to properly investigate and remove. I've disputed these incorrect items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as contacted the original creditors my mail requesting billing activity statements, itemized statements of amounts they claim I owe and proof of contract. There are incorrect names and addresses still listed on my reports, which is ridiculous and show blatant errors. The only spelling of my name that should be reflected on my reports is the name on the passport ID I've attached and the only address that is my current and only address is the one listed on the proof of address paystub I've attached. any other names or addresses reporting beyond this information is inaccurate and needs to be removed from my reports immediately. 

There's a collection account being reported on my XXXX report from XXXX XXXXXXXX XXXX XXXX for {$150.00}. The reporting shows that this is some attempt to collect on a medical debt owed to a doctor. I have a receipt showing proof of payment made DIRECTLY to the doctor 's office/original creditor, XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX.I attached a copy of my receipt to this complaint. This collector, XXXX XXXXXXXX XXXX XXXX  does not have the right to report or continue attempting to collect on a debt that I don't owe them and that I paid off to the original creditor. It isn't legal for them to report this collection as paid or report a payment date when I did not pay their company. I paid my doctor 's office directly in person. This is unacceptable and yet XXXX and XXXX  still reported this inaccurate collections account on XX/XX/XXXX this year AFTER this debt has been paid to the original creditor. 

Then, there are major inaccuracies and discrepancies in the reporting of these alleged charge-off accounts with XXXX and XXXX. XXXX  doesn't report an account number on the XXXX account. There should be a specific account number listed for any accounts reported to my credit. This is just ONE of several inaccuracies on this account and my reports even after the credit bureaus claimed reinvestigation. 

XXXX  and XXXX XXXX accounts are reporting incorrect late payments. The bureaus are reporting this information incorrectly and inconsistently across the bureaus. It's clear they did not truly complete an investigation of my multiple disputes based on the errors that remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated. 

I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames. 

Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated. 

I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer. 

I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation. 

I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

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 2020-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I reported fraud XX/XX/XXXX card end XXXX New card issued XX/XX/XXXX ending XXXX and again reported fraud. XX/XX/XXXX ending XXXX and again reported fraud XX/XX/XXXX new card ending XXXX USAA sent me enclosed IMPORTANT NOTICE ( ** Undated ) Why you are receiving this new USAA credit card? WE HAVE DETERMINED THAT YOUR USAA CREDIT CARD INFIRMATION SUCH AS YOUR NAME, CARD NUMBER, AND EXPIRATION DATE, MAY HAVE BEEN COMPROMISED This new card ending XXXX USAA sent DOES NOT PROVIDE ME ACCESS USAA DID NOT PROTECT CONSUMERS I had already reported fraud 4 times before recieving this card MY PRIVACY WAS NOT PROTECTED BY USAA and USAA has not resolved the fraud on my account that USAA COMPROMISED left unprotected and unresolved When did USAA PUBLICLY ANNOUNCE THIS DATA BREACH TO PROTECT ALL CONSUMERS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-08-10
Company: GreenSky, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/2022 I was approved for a loan through Greensky LLC. I received email stating I was approved. The loan was for work I was having completed on my home. Once the work was completed, I contacted Greensky to submit funds so I could pay for the services. On XX/XX/XXXX, I was told the loan was no longer approved and had to contact the fraud department for additional information. I contacted the fraud department and was told I needed to submit a copy of the front and back of my drivers license in order to be reconsidered for the loan. I submitted a copy that day and received an email that it was received. I was told this is requested for all customers. I also requested that the line of credit be decreased since we did not need what was originally approved. They stated once the loan was reactivated it could be decreased. 
I then received a letter dated XX/XX/XXXX from Greensky ( attached ) that the loan and request for a credit limit increase was declined. It also stated that our credit was ran through XXXX and information received was the reason for the decline. 
When I called on XX/XX/2022, I was put on hold for over 25 minutes by the associate picking up the line and placing me back on hold several times. I believe this was done intentionally hoping I would hang up because they did not want to talk to me or approve my loan. When I finally did talk to a manager, I was told I was not declined but they needed an additional copy of my drivers license. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive communication that any additional information was needed. I inquired why we received a decline letter if the loan was previously approved and if all that was needed was a copy of the license that they already had, I should not have received a decline letter for that reason. I also inquired why my credit was pulled additional times. Greensky could not explain why I received the letter and stated I was not declined and could not verify if my credit was pulled multiple times. 
I am worried that my credit was pulled multiple times and is now affecting my credit and credit score and that they did not want to approve the loan because I am elderly.

I believe Greensky has insufficient business practices and is practicing disparate treatment towards the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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:
There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.

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 2019-02-08
Company: Randolph, Boyd, Cherry and Vaughan
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My ex wife and I purchased a car with XXXXXXXX XXXX XXXX, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in XXXX, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX XXXX and then TO XXXX XXXX XXXX . I have tried to contact this law firm and XXXX XXXX XXXX and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Paypal solicited me for their Paypal credit. I applied & was approved for a {$3500.00} line of credit in XX/XX/XXXX. I used this line of credit once for {$29.00} and with XXXX for {$280.00}. 
However, every time I attempted to use my line of credit after I was either denied or informed the merchant does not accept Paypal credit for my transaction, This was false information as the merchants all accept paypal credit. I would be forced to contact support who also would provide false information to me. I would wait a few days initiate the same purchase and sometime they would process. Finally Paypal would admit my line of credit use was restricted but refused to tell me why. I would request my complete dossier Paypal has created for me and Paypal refuses to provide that.

In Summary Paypal has restricted my use of the line of credit and refuses to inform me why. 
XX/XX/XXXXI linked a checking account and made a payment. However, since XX/XX/XXXXI have been  unable to link that same checking account therefore unable to make a payment. Paypal provided me other options but those also will not process for me, It seems Paypal has now restricted my from all online options to make a payment but refuse to inform me why, I have emailed support at least 6 times about this and they do not respond. Paypal has breached out contract in so many ways and I have since filed a lawsuit in the XXXX district court XXXX Mi XXXX. In the meantime my account payment is late but I have no options to pay and Paypal refuses to answer any of my questions. 
This is literally insane!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a validation letter on XX/XX/XXXX to Santander USA. They were unable to provide proof of validation. On XX/XX/XXXX I called XXXX XXXX which was the creditors that the so called charged off account of 2 or more years was sold to with a balance. How was this possible? I called Santander Consumer USA on XX/XX/XXXX as well and asked the representative and had questions about the carry-on of this debt and how was it validated and how was it sold if it was in question allegedly charged off? She could not provide me with any information of accuracy ( address or phone numbers ) on this account. I was immediately transferred to a supervisor even though I did not ask for one. Once I spoke with the supervisor she also did not provide me with the information either on any of these reporting or findings could be proved. Was in a hurry to get me off the phone when I was asking questions about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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 have notified Experian as well as the other two agencies and the only one not complying is Experian. I took it upon myself and sent them proof as well as the creditor this DOES NOT BELONG TO ME and after working on this issue for the past 3 months this inaccurate remark for a whole lot of money is still listed on my personal credit file prohibiting me from making a financial move I need. What else do I need to do. CFPB please help me. I have proof I requested along with the creditor, and have Experian response stating they investigated which is false as they did not. 

The remark is XXXX XXXX XXXX REMOVE

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 2021-02-28
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two accounts with fortiva. I've been paying a lot of late fees. I am 2 months behind because my checking account was closed. I'm been trying to pay down my balance. But the late fees keep adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021 Paypal advertised to me a {$5.00} reward for downloading a paypal app for a smartphone. 

Paypal had promised me to add {$5.00} to my account within a week if I download the PayPal application for my phone and log into my account using the application. The terms and conditions of the offer are attached. 

As of today, XX/XX/XXXX, 13 days after PayPal had promised to deliver me {$5.00} within a week, I have not received {$5.00} from PayPal. 

PayPal is engaged in misleading advertisement practices and does not fulfill its promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Self Financial 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 information incorrect

Complaint:
I have a self lender card paid the bill ontime self lender did'nt tell me it was a delay or issues they were having reporting to bureaus. My balance is showing the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: IL
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 sent my letter to Equifax on XXXX. XXXX, XXXX  I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below : XXXX - XXXXXXXX XXXX/ ACCOUNT # XXXX XXXX  XXXX XXXX XXXX I have attached the letters I sent out and here are the tracking numbers : XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, associates of the consumer reported on or with others of whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated that these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with explanation