BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have contacted PayPal this person that I try to purchase tickets from on PayPal told me to send her {$70.00} for tickets and that she would transfer me tickets on to my email and she never did I just found out that she is a scammer and has been scamming a lot of people when it's contacted PayPal PayPal basically said that I need to call my bank so my bank and refund the money this is wrong and it's not right and they're basically blowing me off the lady name is XXXX XXXX n she is scamminh people using paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: PRESTIGE FINANCIAL SERVICES 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: Credit inquiries on your report that you don't recognize

Complaint:
I called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted TransUnion credit reporting about an incorrect account reporting on my personal credit bureau. The account reports that an XXXX XXXX   account was included in a Bankruptcy which it was not. TransUnion credit reporting refuses to remove the 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 2017-12-21
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CO
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 sent certified letters for the past 6 month asking them to fix the account status of this creditor. I have yet to receive a response from the creditor Letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. They have reported to Equifax that the account is derogatory which it should be reported as paid ( XXXX and XXXX both show as paid )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE NISSAN MOTORS ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, XXXX OR NISSAN MOTORS ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: NE
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:
In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police Dept. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.

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 2020-10-23
Company: Bread Financial Holdings, Inc.
State: AR
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:
XXXX  IS A RIP OFF! CLOSE MY ACCOUNT AND FINISH DISPUTE UNDER FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2019-08-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have noticed once I went on repayment based on my income, my statements no longer show interest accumulated on a month to month bases. Also noticed it does not show the extra payments being paid. My balance does not show a difference after payments were made. 

I also am noticing my subsidized account is not dropping and the interest is accumulating and unsubsidized loan shows a very small payment. I have made payments that would cover both loan interest for a month. Instead my student loans are barely dropping. My understanding is my interest should be around {$300.00} to {$350.00} but when I have paid {$400.00} a month the payment is only being made to the unsubsided account. 

I was lied to on the phone because prior to my paying my loans back, the website showed my monthly interest. My payments are not being applied to all my interest cause the interest is going up not down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just refinance my mortgage with The Money Source via XXXX XXXX. Now that the loan came though i tried to go online to the money source and got a warning this site in secure do not share any financial information ... This company is putting every one of their borrowers in danger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
See complaint : XXXX SUBMITTED ON XX/XX/2019 PRODUCT Debt collection ISSUE Written notification about debt Original complaint was submitted with the credit bureaus on XX/XX/XXXX. 
No communications was sent by Midwest recovery XX/XX/XXXX submitted complaint with CFPB As of todays date XX/XX/XXXX, I have received no written communications as to which showing the original creditor or any written notifications from midwest Or its clients. 
The debt collector has failed vied any documentations to consumer. 
30 days has passed since the original dispute to the bureaus. Credit collections reporting on my credit report shall be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute with Equifax ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Equifax, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence and Equifax disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Equifax on XX/XX/XXXX and on XX/XX/XXXX and Equifax completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because XXXX XXXX validated the late payment. Equifax confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also Equifax refused to connect me with a supervisor and instead they referred me to dispute this with XXXX XXXX. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Today XX/XX/18 I was notified by 3 emails of someone applying for a payday loan from check into cash. This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX had 4 collections on my credit report 1 was deleted when I disputed thru XXXX. The other three they claim are from XXXX XXXX Hospital family practice which dont have any record of me or my children owing any bill at any time. Me and my children have all been going to XXXX XXXX XXXX XXXX since they were born and I was a child. We still go to this family practice till this day and they have no idea what XXXX XXXX is talking about. I asked for verification of the debt and to compare to XXXX XXXX database and even the names of the physicians are not in me or my childs medical records. XXXX XXXX is  reporting false information on my credit report and have been affecting my credit for years. Oh and they also tried to say we have your health insurance on file but I supposedly said dont charge my welfare insurance even though they have been paying for all on me and my childrens medical needs since I have been and adult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions 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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX  account open and they insist that the information belongs to me. 
When I called Bank of America and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.

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 2019-08-10
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello! 

To whom this concerns, I applied for and received a loan in the amount of {$800.00} from " SpotLoan '', a financial agency located in North Dakota, on XX/XX/18. In doing so, I was sincerely unaware of their APR and other fees associated with this loan. To date, over {$1600.00} dollars has been collected from Spotloan, from my checking account, bi-weekly. I put a stop payment on my checking account, in an effort to assess just why SpotLoan had been collecting more than I had originally understood to be collected. In summation, more than ENTIRE AMOUNT BORROWED had been re-couped from SpotLoan. THAT in ITSELF would be unjust and unethical. I would like to assistance in handling this loan, and to see if CFPB would be willing to settle on my behalf. To me, collecting the same amount in interest as the original principal amount would fall under " unfair business practices ''. Thank you for any and all help. Please contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America ( BOA ) was contacted the beginning of XX/XX/XXXX and claim # XXXX was submitted in reference to the dispute with XXXX XXXX. When the claim was submitted, I explained to the BOA representative my claim was in reference to the quality of the merchandise, and possible " Bait and Switch '' because the merchandise advertised on their website is not the merchandise I received and also submitted photographic proof. I explained I had contacted the merchant multiple times and I never received a response. BOA contacted me on XX/XX/XXXX advising me the claim was denied, not based on the claim at hand, but stating the transaction was valid because they provide proof of the transactions. Bank of America failed to review my claim properly or the documents submitted. I contacted BOA on XX/XX/XXXX to advise them my claim was reviewed incorrectly and it was based on if the transaction was valid or invalid but the quality on XX/XX/XXXX I received another response my claim was denied. This Bank use to have a good corporate structure, but it horribly ran now, and I base this on how my claim was presented to merchant incorrectly after all documents were submitted.

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was immediately denied opening an account with the bank. 

I reached out to the bank for information regarding why their decision was to decline opening an account, however, they chose not to communicate and instead provide a phone number for an outside consumer reporting agency, which was not, however, the agency the bank had listed on their declination notice letter and was not the agency they based their decision on. 

They based their the consumer reporting agency ( Early warning service ) which had no negative information about me.

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 2021-04-26
Company: Experian Information Solutions Inc.
State: OH
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:
In XXXX I took out a student loan that I would regret more than not finishing school bc companies like EXPERIAN report FALSE, TWISTED, INCORRECT, AND OLD INFORMATION & ( unlike XXXX  and XXXX  ) REFUSE to take it down and THEY'RE XXXX ME OFF bc I have uploaded UNDENIABLE evidence contradicting thier statements & they still won't take it down. PLEASE, have them show you documentation of my account going into COLLECTION in XXXX of XXXX. XXXX and XXXX dont show anything like that bc they're not delusional XXXX who report false and outdated information about thier customers. I WILL NEVER STOP UNTIL SOMEBODY LISTENS TO ME. NONE OF THIER XXXX MATCHES WITH OTHER THE OTHER BUREAUS BC ITS WRONG!! EXPERIAN IS THE MOST CROOKED BUREAU EVER WITH THIER DATA BREACHES EXPOSING MY SENSITIVE INFORMATION AND THEN HAVE THE NERVE TO TREAT ME LIKE IM LYING WHEN I CONTINUOUSLY PROVE IM NOT. IM NOT IN COLLECTIONS!! THE ACCOUNT IS CLOSED!!! ITS 7 YEARS OLD!!!!

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 2020-11-17
Company: Experian Information Solutions Inc.
State: IN
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ; XXXX, Experian and XXXX, must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-08-10
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was emailed in XXXX that my forbearance was coming to an end, I called Loan Care, explained my situation and they suggested an extension.

The service member put the request in for me for an extension, and said I Should have a decision within 3-7 business days. I never received a decision. What I got was notification that now I am in Foreclosure! 
Why? How did this happen??

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