BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX I went online then telephone to obtain would be qualified. 
a {$1200.00} loan for car repair not a payday loan.. XXXX  XXXX  contacted me and stated that XXXX XXXX  would send me a list of loaners that I. Niswi, LLC dba Lendumo XXXX. XXXX XXXX XXXX XXXX XXXX was sent to me by email called them agreed to the loan for {$1200.00} at XXXX per month to be withdrawn from my checking account on the 1st of each month Lendumo made all arrangements on phone. for payments XXXX XXXX, XX/XX/2021 XXXX XXXX all withdrawn from my checking by Lendumo as agreed. XX/XX/2021 received an e mail that XXXX XXXX another {$490.00}. 
I called Lendumo Representative stated that since I did not pay on time I was owed Lendumo more according to the agreement I signed. I never signed an agreement or was it mentioned no agreement was sent by email for me to sign or stated on phone Representative stated it was in their website which I had no knowledge of. 
I was to make 12 payments at5 {$490.00} at 499.94 % I stated that was usury Lendumo made all arrangements for payments and never mentioned percentage rate or agreement or did I sign any agreement. I went to Lendumo website found the document my signature is not on document but printed which I never seen or heard. late fee charges are {$30.00} poer payment Please advise I am willing to testify in Court under oath to the above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until XXXX hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

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 2021-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 8-10 times over a XXXX min period daily from different numbers and use different agents. They call at XXXX in the morning, during my work hours. I have asked them to stop calling until after XXXX and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 2018-01-25
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
cooling & winter case number XXXX my name is XXXX XXXX. I was sent to court by this company back in XXXX. at later time I disputed the collection through the credit bureaus since the account did not belong to me. the account was open as a result of identity theft. The debt was removed from my report and now the same company came after me trying to garnished my wages for a total amount of {$560.00}.

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 2020-07-31
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed Chapter XXXX  Bankruptcy on XX/XX/XXXX, which included my mortgage with Pacific Union Financial , LLC. In XX/XX/XXXX, I was notified that my mortgage would be transferred to another servicer effective XX/XX/XXXX. 

Nationstar Mortgage LLC d/b/a Mr. Cooper began receiving my monthly payments starting in XX/XX/XXXX. Every month from XX/XX/XXXX to XX/XX/XXXX, I called to schedule a payment for the total monthly amount. I began getting monthly statements and when I question them, I was told that since Im in bankruptcy the statements are not accurate. 

On XX/XX/XXXX, I received a statement for XXXX payment which showed I owed {$4400.00}. The same day I called to schedule my XXXX payment for XX/XX/XXXX, and question the amount. I was told that I was audited and owe for XXXX, XXXX, and XXXX payments. I requested them to re-audit me because my bank statements clearly verify that they were paid every month. 

On XX/XX/XXXX, I contacted Nationstar Mortgage d/b/a Mr. Cooper to again check on the status of my account. I was told that the payment I made would be applied to XXXX mortgage, but I still owe for XXXX and XXXX. As she reviewed my account, she stated, my monthly payment is {$1400.00} and I have been short of a little under {$2.00} every month and she could provide my statement to my attorney to let them know I have not been making the correct payment every month. I suggested that she review the recorded lines of my phone conversation every month that clearly requested the exact monthly amount due be taken out. 

Nonetheless, lets assumed that because of their error on applying the exact amount, it would have not affected my mortgage, but the changes adjusted to my escrow account. The question becomes ; where is the overage from my escrow account? I am a XXXX  XXXX  XXXX veteran and exempt from the majority of property taxes. Prior to the transfer, Pacific Union Financial, applied my overage to claim arrears. 

I can only come to the conclusion that if applying this year 's overage to my claim arrears it would have eliminated all claim arrears due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Dynamic Recovery Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a letter from Dynamic Recovery Solutions claiming that we owed a debt from a company we have never heard of. It claims to have been from a medical group in Arizona. We haven't lived in Arizona in years and the entire time we were there we had Medicaid insurance through the state that covered 100 % of our medical bills. It is impossible that we could have had a medical debt while there. We have never once had a bill sent to us or any attempts at communications with us to deal with any supposed debt. The supposed original creditor has countless complaints filed against them for sending bills to collections agencies rather than to insurance companies. 
This debt does not belong to us, and we will be sending a cease and desist letter to them. We will also be pursuing any and all legal options if this company continues to threaten our credit reports with false debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sears Master Card has been sending me offers since last few months. In XX/XX/2019 got several offers via email links to use the card for special promotions in sears for 24 months and outside sears for 12 months. Since the items I wanted was not in Sears I purchased from another store after activating my offer via the email link. Since I wanted to buy more I called the Sears Customer service on XX/XX/XXXX XXXX XXXX EST and the customer service agreed that I qualified for the 2 purchases ( {$4600.00} and {$1500.00} ) I made on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I paid {$500.00} thinking I got 12 months 0 % promotional APR. Today I got the XXXX statement which shows 14.3 % interest charged on {$4600.00} purchase but qualified 12 months only for the {$1500.00}. But another misleading action from Sears Customer service was they sent me a letter dated XX/XX/2019 saying that {$1500.00} does not qualify. But the statement showed {$1500.00} qualified and they applied the offer. For big amount they intentionally didn't apply and charged high interest, even after spending hours talking to the customer service and his manager. It sounded like they are determined to steal money by misleading offers. I paid the entire amount {$4600.00} and asked them to reverse the interest you charged by misleading me. They refused to refund my interest even after paying the whole amount. Please stop this fraud by Sears Mastercard and get my interest refunded for the {$4600.00}. The letter below shows their computer system prevented another fraud by applying offer for another purchase for which they send the rejection letter. 
XXXX 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 monetary relief
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, Dept of Treasury, XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY ARE REPORTING AND ACCOUNT TO MY CREDIT THAT IS NOT MINE.

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 2019-07-03
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The main problem is a lack of transparency. 

There are two charges on my paypal account that I do not recognize. They are from XXXX but I do not see matching purchases on my XXXX. Also, these charges are listed as " authorized '' automatic charges. This is peculiar because I didn't know that it was possible to permit automatic payments on paypal ; so I seriously question the possibility that I made these charges. 

However, none of this is the real problem. The real problem is that I reported these charges to paypal and then they told me that my claim was denied without giving me any documentation whatsoever. If they're going to deny me, I want the documentation. They do claim to have a process for me to access the documentation but it seems to be a barbaric process that I won't be able to follow as a result of temporary personal circumstances. Also, they told me absolutely nothing about their decision, nothing. It seems that their first decisions are final as well. There is no one time appeal to their very hasty initial decision. 


Paypal information- Case ID : XXXX Payment XXXX XX/XX/XXXX {$16.00} Transaction ID- XXXX Payment 2- XX/XX/XXXX {$27.00} Transaction ID- XXXX Seller of both- XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had my identity stolen approximately 5 years ago, the person involved applied for multiple credit cards in my name and one of them was a Pay Pal Account they created and opened a credit card. I had called XXXX or one of the major credit companies to tell them about this and that I had not indeed been involved. Back then, they had sent me copies of the charges. It was not my address, nor had I opened up a credit card. I didnt even know I had a credit card open, however, all of this has been removed off of my credit report. Fast forward, and I try to use pay pal because its one of the only services that is offered to get compensated for working. Otherwise, you have to wait 20-25 days for your check! 

The representative said I was not able to use the services again because of this! How can I not use their services when it wasnt even my fault that someone had opened up credit cards in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Conn's, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt appeared on my credit report claiming I owe {$260.00}. I contacted this company letting them know this is not my account or debt and that its a family members. They totally ignored this fact that this wasnt mine and continually tried to get money from me. I disputed this transaction as well. They then again informed the credit company this was accurate. This is fraudulent action thats caused me a XXXX point reduction in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 found that XXXX XXXX has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is XXXX. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application with XXXX 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