BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NY
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had my pay pal account for some years I rarely use it. But I got a Crypto and bought some eth.. and I left it on the account an I check from time to time.. I have the app and the only to bypass my code is to use a finger print because all of my codes are stored on my XXXX so I just use a finger print. Recently I go to check my account and realize my finger print no longer works. My account doesnt work at all my email address still holds my name but my password doesnt work.. so, I realize someone hacked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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 contacted several times the Credit Bureaus Experian, XXXX, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, Experian {$1000.00}, XXXX  {$1000.00}, XXXX {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my Experian report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously Experian has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also Experian, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX, Experian, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.

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 2021-09-03
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I discovered XX/XX/2021 that Home Depot, Citi Bank had reported a delinquency to the credit bureaus. I was shocked because I thought the issue had been resolved. They took the late payment off their records and did not charge me the late fee. My problem as I hold them was that I was not receiving my mail regularly if at all. I have been with them for 30+ years and always have paid on time. When I discovered the ding on my credit I called and they told me I was 31 days late and they had to report it. The amount past due was {$10.00}. I am outraged. They say they can't do anything but I know they can remove it.I got a letter XX/XX/XXXX saying they would look into it but when I called they said they could not. The letter asked for all the information they already had. I'm furious!

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 2019-08-24
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A year almost 2 years ago I had signed up with a company called the Lexington Law to help me fix my credit due to trying to purchase a home. I paid them for a year and they never fixed my credit. They gave me false information making me think that my credit score was up when it really wasn't. They never gave me my money back for a service that they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Reporting company used your report improperly

Complaint:
I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Attempted to close my account with Indigo and they claimed that the card was opened under a different social security number and refuse to close my account. All of the other information matches such as address, name, birthdate etc so they are still reporting to the credit bureau under the correct social but refuse to close my account after I have validated all of the previous information. I went back and validated that my original processing has the correct social so this has to be an error on their part. This error on their part is garnering them yearly fee 's and they are offering no reasonable resolution to the problem. I believe the account was opened in XXXX and I attempted to close the account on XX/XX/XXXX and was told I was unable to close the account. The card is an Indigo Platinum Mastercard through Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX Customer service number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I advised the company that I believe that I was let go from a job because they were calling me, I was employed with XXXX XXXX XXXX XXXX and I was a XXXX XXXX, on XX/XX/XXXX, my supervisor was at my desk speaking to me and my cell phone rang and XXXX XXXX XXXX appeared on the screen, not only did they call once they called 3xs, the first call was XXXX, then XXXX and then again at XXXX. I felt harassed I was fully aware of this debt but was work at the time. At the end of my shift with no warning, no previous complaints or write ups, they told me I was let go that same day. I truly feel it had something to do with these calls and also they called again like this on XX/XX/XXXX once at XXXX and then again atXXXX, then on XX/XX/XXXX I was on the phone with an agent at XXXX and they were calling on the other line at XXXX. I am fully aware that I owe this debt and want to do so but that has now become difficult with no income. No one should be called like this. On XX/XX/XXXX, I spoke to someone in the President Office ( XXXX ) advising her of my complaints and request and she asked that I give her until XX/XX/XXXX to follow up with me, and between that time I received another collection call on XXXX/XXXX/XXXX and another call on Sunday XX/XX/XXXX. I called the office on XX/XX/XXXX and they stated that she ( XXXX ) was unavailable in a meeting I spoke to a XXXX and that she read XXXX notes and said they reviewed this and that I signed a contract giving them permission to contact me at this number ( XXXX ) XXXX I advised to her I did give them permission to contact me at this number but not harass me and to me repeated calls within a five minute period is harassment, she also advised me the vehicle was placed out for repossession on XX/XX/XXXX, before she would even get back to me and give the results of her finding or give me the option to make a payment before repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from AmerAssist A/R Solutions , Inc., regarding a debt from XXXX, XXXX. Account number XXXX this debt does not belong to me. Wish to dispute this and cease communication with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received written notification from Midland Credit Management that my account with XXXX XXXX account ending XXXX ( XXXX  ) had been sent to them on XX/XX/XXXX for not paying the amount of {$460.00}. 

Upon receiving this notification, I checked all of my bank records and found no such account in my records. I do have 3 other XXXX XXXX  accounts : XXXX ending XXXX, XXXX ending XXXX, and XXXX 's ending XXXX. I then called XXXX XXXX to see if they had charged-off a debt on any of my accounts, and they confirmed that they had not and went as far back as XXXX. 

I have never received a bill ending in XXXX and this is the only document that I have received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2020, LexisNexis removed a chapter XXXX bankruptcy from my credit file. I have since then started to dispute this information with the credit bureaus since they verify this public record with LexisNexis. The credit bureaus are relaying to me that LexisNexis is still verifying this public record as accurate. I have several documents that LexisNexis has sent me to show that they removed the chapter XXXX bankruptcy along with my entire file from LexisNexis showing that the chapter XXXX bankruptcy does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: PA
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 CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE

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 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NO CONTRACT OR DEBT WITH THIS COMPANY THIS IS MY 3 TIME REQUESTING THIS DEBT OPENED DUE TI IDENTITY FRAUD REMOVED. THIS IS NOT MY ACCOUNT, I REQUESTED A COPY OF THE ORIGINAL CONTRACT WITH THEM OR THEIR CLIENT WITH WET SIGNATURES ONLY NEVER RECEIVED THE INFORMATION REQUESTED. I AM DEMANDING THIS ACCOUNT REMOVED FROM MY CREDIT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges which was never disclosed to me by the organization in direct violation of this law. Pursuant to 15 U.S.Code 1615 i shall be reimbursed for all unearned interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am waiting for the Coronavirus stimulus check to be deposited into my PayPal account. The IRS website states that the money was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I still haven't received the money into the account and PayPal has NO customer service right now due to the epidemic. I can't reach ANYONE!!! WHERE IS MY MONEY?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Midland Funding, LLC or the original creditor. I have also requested that this subterfuge be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Service Finance Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Contract for my Loan says 18 payments of {$81.00}, and then 240 payments of {$180.00}. I have been paying according to the contract terms. The Company charged me a Late Fee in XXXX because their system is unable to support my payments that I am paying early. They consider me LATE because i am paying ahead of time. They need to count the payments that I've made & then count the months so they can see i am NOT LATE. I was on the phone today trying to explain this to XXXX the manager at extension XXXX but he has no idea what he is doing. He said i am considered Late. I told him to read the legal document, the Contract so he can see that i am ahead of schedule and not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, my County taxes were paid {$1700.00}, but the due date was XXXX XXXX. There is a separate transaction on XXXX XXXX for " city, utility disbursement '' for {$130.00}, which is the 10 % penalty for being 5 months late. 
On XXXX XXXX, My two township taxes of {$850.00} and {$23.00} were paid, but the due date was XXXX XXXX. There is two separate transactions on XXXX XXXX for " city, utility disbursement '' for {$100.00} and {$2.00} for the two 10 % penalties for it being 6 months late. 
On XXXX XXXX, my school taxes that were due XXXX XXXX, were paid {$3600.00}. There is a separate transaction for 10 % penalty under " city, utility disbursement '' for {$440.00} for taxes being 3 months late. 
Totaling {$690.00} in penalties. 

We purchased this house in XXXX of XXXX and had an escrow account set up with our mortgage from day 1. We do not receive any tax information until we receive a receipt that it is paid or we have received a final notice saying there will be a lien placed on our house if the taxes remain unpaid. Our tax information gets sent directly to the mortgage company, which is the point of having an escrow. The mortgage company is paid to take care of paying all the taxes ON TIME. I was told this is my fault for all the taxes being paid late, but other than making my mortgage/escrow payments ON TIME I should have nothing to do with it. This has been an on going saga for over a month and is still yet to be properly resolved. 
I have filed multiple complaints within the company and the company supposedly " looked into it '', but they keep responding with they have paid my taxes on time which is not true. On their website through my account, you can see that the taxes were not paid on time as well as logging on to my county website to see they were late as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( Stearns Lending - XXXX XXXX ). Then I also received another payment notice from XXXX XXXX   that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from XXXX XXXX. How did my confidential information got transferred to XXXX XXXX? When did my loan was sold? 
My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to 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 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently, the bank changed their rules regarding the transfer of funds from a trust or representative payee account to personal accounts. I understand the reasoning behind this however, in my case, I am the representative payee, appointed by Social Security, for my son XXXX. Each month I transfer funds from the savings payee account to my personal checking account to pay for his expenses. Note : I am also a court appointed legal guardian. Due to the changes stated above, each month I have difficulties in transferring these funds by phone. Although, I am accommodated, it is extremely annoying and time consuming. I can not transfer funds at a branch because all branches in XXXX XXXX have been closed. Various options, such as using a debit card or go to a branch in another borough are not feasible. 
However, I do have a question. In addition to being the representative payee for XXXX I also maintain a checking supplemental trust account for his benefit. Since both accounts are for his benefit why cant I transfer the funds from the payee account to the trust account. 
All legal documentation is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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:
Incorrect accounts are reporting on my credit report XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion will not verify complete file information including my full name, address, date of birth and SSN # for the questionable items on my report. My ex-wife has fraudulently opened accounts and attempted to get credit in my name. It's becoming increasingly difficult to obtain credit and get decent interest rates with this inaccurate information on my 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