BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: AG AH LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I received my ARC by XXXXXX/XX/XXXX, statement informing me they did not receive my XXXX payment. I called their customer service dept on XX/XX/XXXX and was told they would send me a " Missing Payment '' form. I waited 5 days and called again only to be told that they no longer had access to my file and that I should call the new mortgage company, XXXXXX/XX/XXXX I called their customer service and was told I still had a delinquent payment. 
I belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. I authorize my mortgage payment to be paid monthly on the second or third of each month. 
The XXXX payment was withdrawn from my account on XX/XX/XXXX. I attempted to send copies of proof of this payment to XXXX only to be told to talk to XXXX XX/XX/XXXX because they did not have my file.. 
I have records of my many attempts to provide the proof of processing information I have available digitally on the XXXX XXXX XXXX XXXX checking system to XXXX and XXXX. 
I called XXXX XX/XX/XXXXcustomer service ( these calls happened from the XXXX of XXXX through the end of XXXX XXXX - I was asked if the check was cashed which surprised me because no one had asked that before. I immediately called my credit union to be told they would check. I was then told that it had not been cashed. The credit union applied the payment into my account and I requested the payment to be made on XX/XX/XXXX. XXXX received the payment and I am current. 
My husband passed away the middle of XXXX and because he was a XXXX veteran, I applied and was subsequently approved to apply for a low interest loan, I was told on XX/XX/XXXX I was turned down for this loan because I had a delinquent payment. 
I called XXXX on XX/XX/XXXX saying that I had made a good will attempt during the month of XXXX to straighten out this problem that I DID NOT CAUSE only to be told they were legally obliged to process the delinquent payment to the consumer reporting agencies I was aware that there was to be a transfer effective XX/XX/XXXX and had adjusted my payment information accordingly. The XXXX payment went through with no problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a friend deposit money into my PayPal account on XX/XX/2020. The transaction ID was XXXX he does a lot of charity work so it was posted by the state of Arizona XXXX because thats his business account. He deposited XXXX $ into the account and PayPal froze it. I had it deposited into the account to pay bills. I purchased a PayPal debut card so it would be easier to pay my bills online or over the phone with the debit card. I have only had 3 deposits on PayPal. I dont use it to buy or sell things. I realize PayPal is not a bank but if they have a debit card that you can get why would they freeze my money so that I could no longer use it? I am not interested in having my account back I just want to be able to transfer my funds into another mobile banking account. They are saying it will take 6 months for them to allow me to tansfer my own money into an account. Im behind on my bills already and Im about to get evicted. Please help me any way that you can. PayPal is not letting up on my account being unfrozen. I have never done any type of fraud or anything wrong for them to do this to me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my 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 2020-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even Experian 's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?

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 2020-07-09
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried for months to resolve and settle this account. First it was with XXXX, it's been tossed around with XXXX  XXXX and XXXX XXXX, now it's with Kramer and Frank. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and Kramer & Frank said they didn't have it. I call XXXX XXXX  they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. XXXX XXXX  says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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 collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Information belongs to someone else

Complaint:
XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) XXXX the final disposition of the case. I am also attaching a fraud an identity theft affidavit from XXXX. 

XXXX XXXXXXXX XXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Braviant Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a loan with Balance Credit. I was behind on payments and they sent it to a collection agency, XXXX XXXX XXXX. The guy gave the account XXXX XXXX XXXX called me on Tuesday the XX/XX/XXXX. He was all over the place in what he was telling me. HE threatened me with a judgment or garnishment. Which legally he can not do.. He said he would get me a good deal if I agreed to a re-payment plan. HE DOES NOT have the authority to offer settlements. HE knew that I had unemployment coming in. HE said he would call me today the XXXX. as he had sent me a payment agreement to sign. I was not by my phone today when he called, SO what did he do he called my daughter on HER work no, which is a recorded line. HIS supervisor tried to say I must have put that number down as contact no. NO, I did not. That is her work no, and I never put that no down. JUST like he knew I was getting unemployment, w/o me telling him. HE went snooping to get that number. I would never give her number, much less her work no. HE talked to her about my debt, that it was a money issue and he needed to talk to me. IT was a recorded line, it's all recorded. What he did is very illegal. I probably would have worked with him, until he broke the law and abused my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have one negative account on my credit report from Experian and with evidence showing XXXX and XXXX have removed the negative account, Experian still hasn't removed it and by federal law, everything has to be accurate from all 3 Bureaus.

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 2018-09-11
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:
Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX SS#XXXX DOB: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$99.00} XXXX XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity bank calls our number and asks if we are XXXX XXXX, who had this phone number before we had it. We have pressed the number to say we are not her but they still keep calling 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my entire credit report is and full ERROR. because identity theft Disputing for years. and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For over 3 years, I have try to work with USAA to get my money back with little or nothing done on their part to return the money. I was stationed overseas and I have set up an allotment to go to what I thought at the time was my checking account ( find out later I was my member number- which happened to be exactly someone else account number ). After becoming aware of my mistakes I took steps to rectify it and asked about how to get the money ( allotment I have transfer so far ) back. I was told to submit a letter of indemnification which I did religiously every other week for the past 3 years with no results. I was told unconcernedly- well there is no money in the account of that person, sorry nothing else we can do .... no feedback when I submit the letter that an attempt to collect my money was even done ... I had periodically called but was meet with the emotionless, unconcerned response- nothing we can do, there is no money ... keep submitting the letter ( and i was told unless I submit a letter, they don't attempt to collect the money ). This is unacceptable for a financial institution .... " if the roles were reverse and I owe USAA any kind of money, they would ve find a way to pull that money from my account at any point - even if it means making my account overdrawn- '' so why I am being toy around and given excuses as if they can't do anything to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax!!! 


Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with non-monetary relief