BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

2. XXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX XXXX  L Original creditor : XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX  XXXX  C/O XXXX  -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  & Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : XXXX : Experian : To : XXXX, XXXX, & Experian. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, XXXX, Experian.

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 2018-07-05
Company: RMS-Recovery Management Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector  I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has bought my mortgage loan as of XX/XX/2021. I have a closing date of XX/XX/2021 for the property I have the mortgage with. As of XX/XX/2021, I and my real estate lawyer have called both the original loan at XXXX XXXX XXXX and Mr. Cooper, and both banks are unable to provide me with a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Ameritech Financial
State: MI
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 was contacted by Ameritech Financial about my student loan debt. I was told by a member that they would be able to help me save {$41000.00} dollars. I worked with XXXX XXXX and XXXX XXXX. These individuals above led me to believe that this company would help keep my payments at a fixed income and that after 10 years my debt would be wiped clean. I was provided these figures : I was currently pay {$230.00} a month on my student loans. {$260.00} XXXXX = {$3.00}, XXXX x  XXXX = {$78.00}, XXXX  in student loan debt. 
They helped me enroll in a program for a family size of 4. For seven months I paid them {$230.00} starting on XX/XX/XXXX on months 8 and beyond I paid {$120.00} a month. {$27.00} was to go towards XXXX and {$99.00} was to go to AMERITECH FINANCIAL to disburse to my student loans on my behalf. The XXXX was to receive {$26.00} I was instructed that the {$120.00} for a year= {$1500.00} x XXXX = XXXX, XXXX. Thus saving me {$41000.00}. I was made aware that the FTC was filing a suit against XXXX XXXX on XX/XX/XXXX. I have contacted them to cancel my business with them and gain control or my student loans and I have not heard from them. I want to know where my money that I paid them went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Credit Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX {$63.00} Amount Disputed Dear Sir : First Credit Services Inc. is attempting to collect an invalid debt referred from XXXX XXXX, XXXX XXXX, XXXX WA XXXX a membership that was executed when I was a minor. Additionally the membership was cancelled in writing certified registered return receipt with my parents under COVID-19. All three memberships were cancelled at the same time. same letter. Memberships were cancelled in XX/XX/2020. Any fees associated with my parent memberships were waived. The fees associated with this membership apparently were not removed due to my age? I was supposed to hear from a XXXX XXXX Manager as representatives are not empowered to deal with this type of situation. However I never did. I received a collection letter dated XX/XX/2020 This is clearly age discrimination and an unfair, deceptive and abusive practice. XXXX XXXX in XXXX WA refused to treat me the same as my parents. 

I have asked for proof of debt and sufficient proof of why I am being treated differently due to my age. The related memberships are closed and paid in full. Any associated fees were waived. This membership should have received the same fair and equal treatment. All three memberships were on the same auto pay from my parents account and in good standing until the membership were cancelled. The only difference is my age and age of consent. This is not a valid debt and it should not have been forwarded to First Credit Services. Any derogatory credit reporting should be corrected immediately. 

I am currently unemployed which makes this even more disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX Experian XXXX  and Experian immediately.

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 2018-02-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: GA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, TRANSUNION, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.

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 2021-02-28
Company: EQUIFAX, INC.
State: CT
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:
For the past 4 years I been writing letters to all three credit Bureau regarding updating incorrect information my name addresses work place all and they just keep stating its been update this information should be deleted and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}

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 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/2016 I purchase a XXXX for {$18000.00} that was financed with XXXX XXXX. As soon as I purchased the vehicle I began having problems with it. ( For ex. XXXX XXXX, which would shut down other elements of the vehicle if not properly repaired XXXX The company never fixed it. After several attempts and threats to bring in the news media, I was given a temporary car as they repaired it. A week later the car shut all the way down as I was driving. Managed to get the vehicle home and they sent the car back to the XXXX dealership costing me an additional {$300.00} for the repairs as they paid the remainder of the balance. After about 2months, the car shut down again. I was given the option of trading the car in but with a new down payment amount, which was ridiculous considering this was the same issue I was having when I initially purchased the truck. After days of negotiations, the truck was return and I was left holding the bag. The truck was apparently sold at XXXX and a balance remains. The debt was then sold to a collection company that is threatening to take me to court for the remaining balance on a truck the I never had the opportunity to enjoy. This is unfair and is probably happening to consumers across the nation. It is predatory lending at it's best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 rewards from credit card

Complaint:
In XXXX 2020, I flew with XXXX  XXXX, and used my {$100.00} airline fee credit through my Bank of America premium rewards card. Before I flew, I called BofA and a phone rep told me that the {$99.00} would be refunded to me. I verified this with other phone reps and supervisors. I was told that in 2 weeks, I would be reimbursed, but never was. 

I later called a BofA supervisor and he was appalled at how BofA had handled my complaint, so he filed a complaint on my behalf but I never heard back regarding the complaint. 

Finally, after getting fed up, I filed a XXXX  complaint and on XXXX XXXX, I received an email from XXXX XXXX from Bank of Americas regularly complaints office, saying that he would handle my complaint. I never heard from him again, so I reopened the XXXX  case. I have emailed XXXX XXXX but not received a response. I have left many voicemails for him and called more than 50 times, but never heard backit goes straight to voicemail ( he never picks up the phone ). 

I believe that XXXX XXXX initially responded to me just to close the XXXX  case, then forgot about me, so I want to file a complaint against him for his poor handling of this complaint that I have spent countless hours trying to get reimbursed for.

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 monetary relief
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: NV
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 realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

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 2018-02-20
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I sent the attached letter to Equifax and have not received a response which is a violation of the FCRA. The three listed medical accounts are inaccurately reporting as loans and are pass the FCRA reporting time limit. They placed a notation on the accounts on XX/XX/XXXX stating it was a " collection account '' and updated the notations to simply state " medical '' on XX/XX/XXXX. Their refusal to remove the 3 accounts is a direct violation of my rights under FCRA. These need to immediately be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted the disputes and have had these accounts removes but they still remain on the other bureaus after they have been found to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Account status incorrect

Complaint:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello, My name is XXXX XXXX. I have a full time job in XXXX, Florida and have a company registered in the state as XXXX XXXX XXXX This is a small company that I mostly use to earn extra cash as a XXXX XXXX XXXX XXXX ( after working in the XXXX XXXX  for almost a decade ). I also help XXXX XXXX  with XXXX XXXX XXXX. My XXXX XXXX  are post paid.

For my XXXX XXXX, I use PAYPAL to collect funds after the service is performed and the client is satisfied. OnXX/XX/XXXX PAYPAL limited the use of my account. They flagged my account as " high risk '' and I went through an appeals process where I provided explanations of my services, sent documentation of my company registered in the state of Florida, and other personal information for them to verify me. I immediately submitted all the requested information/documents and explanations in order to resolve the matter. After this, onXX/XX/XXXXXXXX XXXX PAYPAL rejected the appeal and decided to permanently freeze the account and hold my funds ( {$2000.00} ) for 6 months. I called on XXXX   XXXX  and asked for an explanation and their responses were vague, and they were not willing to help me identify exactly what activity violated the agreement with them. I asked them to please point out where in the agreement I could find a statement that would go in line with my alleged violating activity, and they refused to do it. PAYPAL continued stating that there was nothing I could do to get the funds released, due to security reasons.

Their behavior is quite unreasonable, and I feel that they are taking advantage of the small businesses. They vaguely argue the reasons why they freeze funds for 6 months, and offer no amicable solutions to resolve the matter with me.

Please help ask paypal to release my funds. There are thousands of Americans being victim of this type of behavior from PAYPAL. There has to be some time of illegality about their unilateral actions which do not have any specifically valid or reasonable explanation about their user agreement violation.

Other financial entities do not have this type of predatory behavior, and I request that PAYPAL stops hurting small businesses in our country.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation