BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have used paypal to wire money transfer to pay for a merchandise in XXXX, item was faulty and wanted to return it but paypal just closed the case. <P/>Used Paypal for witleing money Seller 's Name : XXXX XXXX XXXX XXXX, XXXX Transaction Date : XXXX XXXX XXXX Transaction Amount : - {$3900.00} USD Attachef a file of faulty item being inspected by a repair man

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I applied for a Student Credit Visa through US Bank on XXXX XXXX of 2016. I received XXXX " hard '' inquiries by : XXXX XXXX, and Us Bancorp. I understood I would receive XXXX hard inquiry. However, I talked with a banker or customer service rep on the credit service of US Bank. They said that it did look odd like it may have been run an extra time. 

I reviewed the contract very thoroughly and do not believe they were authorized to run it more than twice. If I have made a mistake on my end in any way I take full responsibility for the extra hard inquiry on my record. My email is XXXX for additional information required. 

Thank you for taking the time to review my complaint. 

Best Regards

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 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Received 2 charges on my bill from rocket fuel. One was for XXXX which I did make. 
The other charge for XXXX which I DID NOT make. Charges were made on XX/XX/2022. I have contacted Barclay credit card and the answer came back to me was... I use that gas station ... .I said yes that is my gas station and I use them all the time. Plus I explained I did make the XXXX. I then wrote to executive office of Barclay and never received and answer back.

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 2022-03-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 non-monetary relief
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ca n't include exact dates from years ago, however the collection company known as IQ Data had  constantly called me between the hours of XXXX and XXXX for 3 weeks straight back around late XXXX, early XXXX. They had never sent an original letter/notice of collections. When asked to submit said letter as well as further proof that the debt was mine, they stated that they could not until the debt had been paid. When asked if they could provide proof that the debt is mine, they stated they could not until the debt was paid. When told that they are to no longer contact me if they could not prove that the debt was mine, they threatened to have me arrested for not paying. They constantly were rude over the phone, and used profanities. When I moved into my new apartment, they contacted my landlord asking for my information. My landlord disclosed the fact that I 'm in XXXX XXXX XXXX due to the fact that I 'm on XXXX but no other info was given. IQ data then attempted to contact me by phone further demanding that I contact my local social security office and have the SSA send documents to IQ data to allow them to collect from my benefits. I once again asked them to provide written proof in the mail that showed the debt was mine, they once again became rude with me, cursing at me, and hung up. Recently I recieved a few more calls from IQ data through the use of blocked numbers around XXXX in the morning. They also sent letters in the mail to my mother demanding she have me contact them and that if she does not, then she will inherit the debt. I am assuming this is due to the fact that the statute of limitations is nearing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. 

NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. 

PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. 

PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX  IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. 

ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: AMERICAN EXPRESS COMPANY
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: Privacy issues

Complaint:
On XX/XX/2019 I called Amex customer service XXXX to inquire about return protection which was on an insert included in my monthly billing statement. I reached XXXX. He said he didn't know what it was and would transfer me. I got XXXX. He was outside of Amex. He said he did not have any information about my account. He wanted my Amex account number. He said he did not have any ID number, no last name, not phone number which he could be reached at, and no supervisor on duty. He told me he could take my phone number and somebody might call me back in a few days. It is entirely possible that XXXX and XXXX were running a little bunco scheme. I was very uncomfortable. I wrote to Amex about this situation but have been ignored. Also, I have tried to contact Amex about making some changes to my rewards account and usage of the rewards points and have been ignored also. Amex should have protocol in place to protect card member information from compromise by Amex employees. Much of this ID and other crime is committed from inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with AD ASTRA RECOVERY SERVICES. I do not have a signed contract nor any contract with AD ASTRA RECOVERY SERVICES. I am requesting debt validation for the alleged amount this company is reporting to my credit bureaus. This is not a request for alleged verification with a third party bill. If a signed original contract between AD ASTRA RECOVERY SERVICES and myself can not be produced you will need to remove your trade from all of my credit reports at once. You do not have permission to contact me by mail nor by telephone. Please keep all communications through the portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: LA
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:
Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

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 2017-07-15
Company: EQUIFAX, INC.
State: LA
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:
Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: ND
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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 recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Mark A. Kirkorsky, PC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX of XXXX my fiancee and I returned a vehicle due to not being able to afford the payments. Later that year the started garnishment on her wages. That stopped when she went out of work due to the pandemic. In XXXX of XXXX the company seems to have hired a law firm to collect the debt. They have now started garnishment of my wages without contacting me but did so by contacting my employer. I have received no ability to contest and no amount they are trying to aquire. They will not receive or return my phone calls. They just take 25 % of my wages without any communication. I have attempted to contact the states attorney generals office but also with no return information. I can seem to get no answers about what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

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 2017-09-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, 2017 Re ; Conveyance Modification for XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Good afternoon, We are submitting this complaint today, with the hopes that you will be able to assist us in resolving this matter with Bayview Loan Servicing. We have been working on a Conveyance Modification with Bayview for 3 years now. Over the course of that time, Bayview has repeatedly and intentionally caused the valid dates on documents to laps on file and closed our file - claiming that they never received said documentation. 

For nearly the last year we have been working with a single-point-of-contact by the name of XXXX XXXX. She has personally been responsible for this deception and her overall handling of our file has been incredibly distasteful and discomforting. Her continued discontent and condescension has made this an absolute nightmare. 

From what I have come to learn, many individuals, trying to modify their loan with Bayview, go through this same process - repeated and deliberate misinformation and requests to submit the same documentation over and over again and As of recent, Bayview has requested that we send them the SAME 'updated XXXX form ' - on FOUR SEPARATE OCCASIONS. Each time claiming that it was a new documents. 

We have all email correspondence on file, if you would like them and can provide you with a breakdown of the sheer mind-numbing amount of calls we 've had to make and resubmissions we 've been forced to provide them with - all for no reason whatsoever. 

Our goal here is to Simply convey this modification loan into my mother 's name, as my father XXXX XXXX years ago. 

Bayview Loan Servicing - XXXX XXXX XXXX - primary point of contact XXXXXXXXXXXX THANK YOU for your assistance with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
They been sending me this for over ten years and they refuse to send me date of service and copy of original invoice, like I have requested. I have no idea what they talking about. There should be a law to prevent reporting agency from putting this on a person report without first investigating it their self and send a letter to the people, to verify if its a true statement..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Credit Corp Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS doesnt want to do anything they dont explain just say denyed how is that possible?????? 

I am including reports please pay attention its very croocial I want action about this froud SLS now before they take my home just like all the other home owners that lost their home buy SLS

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 2021-03-24
Company: EQUIFAX, INC.
State: AL
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:
I paid off my mortgage on XXXX XXXX. XXXX reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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