BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX. '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my Experian, XXXX, and XXXX. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX '' appeared on my credit reports and I determined that XXXX fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX letting him know how furious I was that he had taken advantage of me. XXXX knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.

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 2021-11-02
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX. '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX  that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, XXXX, and Equifax. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX  '' appeared on my credit reports and I determined that Al fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX  letting him know how furious I was that he had taken advantage of me. XXXX  knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX USCB XXXX calls frequently. 
To the point I feel harassed.

I have no outstanding payments due for anything- so I can not give you any such information. 
Upon researching them I have found numerous complaints about them. 
Many very similar to my experience. 
I would like the calls to stop and for them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: MidAmerica Mortgage Inc
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Atlantic Recovery Solutions LLC
State: AZ
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:
Daily or sometimes multiple times a day calls. They leave an ominous voicemail regarding a legal matter? I called and told them I'm on the do not call list. Told them to take me off of their contact list. The person on the other end told me NO. I receive multiple call daily from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NV
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:
The following accounts are fraduletly reporting on my credit file. Im offically disputing these accounts, and demanding that they be removed and blocked from my credit file.

1. XXXX XXXX {$360.00} 2. XXXX XXXX  Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Their investigation did not fix an error on your report

Complaint:
So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX XXXX  and Experian and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 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 explanation
Consumer complaint received 2020-10-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Weekly I am receiving calls from this company that identifies itself as HRRG ( Phone : XXXX ), and he insists that I must give personal information, when I refuse they hang up the call. 
Today I decided to attend them and find out what it was about and she told me that from my visit to the XXXX on XX/XX/2019, I was left with a debt of {$240.00}. I clarified that I did not leave any debt from that visit, first because my insurance was from the company and it covered me 100 % and that I also contacted the Hospital at that time so as not to leave any debt. 
To which he replied that the debt was now with XXXX XXXX XXXX. 
I told him that I do not recognize any debt with this place and how it was that first it was from the Hospital and now with this company. When I asked him for more information about this company, he replied that I must give him more personal information, so I hung up the call.

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 2019-11-01
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX I paid {$26000.00} to pay off my XXXX  XXXX XXXX XXXX a month early before the lease expired. US Bank cashed the check immediately and closed the lease o XXXX per US Bank. I have made numerous phone calls to get the title to this vehicle and the release of the lien and have gotten nothing but the runaround. It is now THREE months later and no title or paperwork for release of lien. I call US Bank weekly but get a runaround and excuse after excuse. Every time you call there you speak to a different person and a different runaround. It's either in the mail or it's being overnighted to me. As of today NO title or paperwork. My last phone call was yesterday, XXXX, at which time I again was told I would get it next week!! I told " XXXX '' I wanted my money back and they could come get their XXXX. I was told that I could not get my money back! My sister gave me the money to pay off this vehicle as she is buying it and is beyond upset!! This vehicle is sitting in my driveway now three months later and she feels she has been ripped off. I want the money back WITH INTEREST and US Bank can come get the XXXX!!! I am tired of this nightmare!!! Never have I been through such an ordeal with a bank!!!!! NEVER will I ever deal with this bank again through a dealership!!!! Please HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
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:
I have been a victim of identity theft

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 2021-02-03
Company: EQUIFAX, INC.
State: TX
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:
There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: OneMain Finance Corporation
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
PayPal currently has been holding our funds for way too long. All our orders are getting delivered quickly and without any issues, yet PayPal still continuously places holds on our account which severely affects the business 's money flow. 

As of today XX/XX/2021, PayPal is currently holding about {$9000.00}. This issue has been prevalent since XX/XX/2021 which marks almost an entire month of PayPal holds. 

According to the laws in the state of California where we operate from, as a Money Transfer company, PayPal shouldn't be holding the funds for longer than 10 days, especially since all our packages come with tracking numbers that are directly updated to Paypal automatically, and we have a great history of shipping packages quickly and delivering them with no issue. We rarely get any complaints, and if we do we try to make quick resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Midland creditXXXX bank XXXX XXXX accounts with Midland credit XXXX XXXX was paid in full but they refused to report it to the three credit reporting agencies and it is still open as not being paid in full. they have acknowledged the received the cheques both accounts were paid XXXX  account # XXXX in the amount {$3800.00} account # XXXX amount {$3600.00} XXXX XXXX Mortgage, I have not had my Mortgage with XXXX for over 7 Years and it is still showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  on my credit reports show a balance of {$420.00} but is is not zero and has not been updated since XX/XX/22.

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 2021-03-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet

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 2021-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had my credit frozen several years ago and recently tried to refinance our mortgage. The two agencies were no problem to lift my freeze but Equifax has been a major problem. I have been calling, faxing, sent copies of my personal information with request to lift the freeze to no avail. 
I have had my bank run our credit and the only issue is with Equifax which they state no reason for them to have taken this long. 
I spoke with a woman overseas today with Equifax and she wanted me to send her a copy of my drivers license and social security card by picture on a link which was insecure. I stated I had sent the appropriate documents several time and she hung up. 
Please can you help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i am a son that stay, s with my mom mother and I am unemployed no money and unable to apply for unemployed beinafits and with out unemployed insurance and my mom is a retired XXXX and getting social security income and we have to pay for repair, s on the home because we have had some havey stom, s and flood, s last year and we had to pay a handyman to do repairs on our roof because the havey stom s and flood made our roof leak and the same thing has happened again and we had to take out home owner, s insurance and pay out of pocket that and we had to pay the handyman out of pocket last year to do the repairs on our roof do to the havey rain storm last year in XXXX and we had we had to defa, s in the family because two of my uncle, s died this year one get XXXX buy somebody else at a local store in XXXX and in XXXX the other one died of XXXX  and XXXX XXXX and we are still dealing with that right now and and most of all we tried to callMr Cooper Mortgage company to tell them we was going to go to send them a payment in the mail and the lady that picked up the said our house is in for closure and they are worng because and most of all we won't Mr Cooper mortgage company investigate and they bank that they bank with to be investigated XXXX possible it is very important and urgent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: World Omni Financial Corp.
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: Account status incorrect

Complaint:
My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: IN
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, requesting the investigation, verification and deletion of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items : items : XXXX  XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, must be deleted to reflect accurate information on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the last four or five years I have been sent three borrower to defense loan forgiveness applications and I have sent them all in. I have received letters from the Attorney General 's office telling me that I qualify for loan forgiveness due to the fraudulent acts of XXXX XXXX. NAVIENT is the loan servicer and has not granted my loan forgiveness or given me any information as to the outcome of all three of my applications. I was a victim of fraud by XXXX XXXX. XXXX XXXX promised me that I could transfer my credits to any college of my choice after I graduate. That turned out to be false. XXXX XXXX allowed me to attend their school and graduate without a high-school diploma. XXXX XXXX recruiters told me I don't need a high-school diploma and that it is okay to have a felony record. All of which is false. XXXX XXXX promised me job placement which never happened. All the XXXX college campuses have closed and I can no longer take refresher courses. I can not work in the medical field without a high-school diploma and a felony record. XXXX XXXX has been found guilty and all I ask is to have my loans forgiven so I can move on and begin a new credible College. Approximately {$28000.00} in student loan debt from a fraudulent school is hanging over my head and reported to my credit bureaus

Company response to consumer: Closed with explanation