BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: TN
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX XXXX account was permanently limited without reason or explanation, in violation of PayPal 's own Terms of XXXX. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money NOW, not in XXXX months. This is my money and I should get it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic. 

I already filed a complaint with the BBB and Paypal took a month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW, not in 180 days - This is my money and I should be able to access it immediately. 
Please help me. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NC
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:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX**** XXXX to XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

TransUnion/XXXX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.

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 2021-03-30
Company: EQUIFAX, INC.
State: MA
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 report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSWORLD SYSTEMS INC
State: MA
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:
Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX  meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX  and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX   and TSI remove all trade lines, negative collection amounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 have submitted multiple disputes on my account to Credit Acceptance Corp relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: North American Asset Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call for a " complaint '' for a former sister-in-law ( 20 years ago ) which said " she now had " notice of the complaint '' and to call the lawyer handling the matter at ( XXXX ) XXXX. I called the number left, gave the complaint number and said that I was not the person they were trying to reach, that there was no notice and asked why they were calling me? The receptionist could not answer but said she would remove my number. I asked to talk to a supervisor, and when the supervisor got on the phone, I asked why they had called my number. He denied that anyone called me under his employment, he claimed that he could not control " third parties '' from calling me. He told me I was speaking too fast and should " let him finish ''. I repeatedly asked why they had called me and that the number left was for his company. Ultimately, as he got nasty, I asked if that was the way he did business/talked to people and he indicated it was the way he talked to " women like me ''. I asked what that meant and he said I was not " acting like a lady ''. I said I didn't know that there were specific rules for women, and I would be filing a complaint. He told me to ask my former sister-in-law why they were calling me, " how about that ''. I never got an answer as to why I was being called. He asked if I was " done '' and I said no, that he was a misogyinist and I would be filing a complaint with the FTC. He asked if I wanted a recording, and unfortunately I said no, but he said that they would replaying the tape in his office and laughing at me all afternoon and to get off his line. He claimed his name was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-07-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My attorney XXXX XXXX sent Nationstar Mortgage a letter over a year ago demanding them to itemize everything from when I cured the default because they claim I still owe {$600.00} for leagal fees they claim they paid. I cured the default and the loan was assumed. My attorney XXXX XXXX said the amount I paid to cure the default included all fees and peneltys so he was curious as to why out of the blue I owe {$600.00}. XXXX XXXX sent Nationstar Mortgage a letter demanding they itemize and prove I owe the {$600.00}. It has been over a year since he sent that letter and Nationstar has not responded. 
My father died nearly 3 years ago, I sent them a death certificate right after he passed in XXXX, in XXXX I get a letter from them saying they just found out my father passed and wanted to know who was handling his estate?????? 
That 's just it there is no estate of XXXX XXXX XXXX, it was handled years ago by XXXX XXXX and I. How many times do I have to prove it??? 
Nationstar is a horrible company that does not respond to Letters from attorneys and obviously cant file documents I have sent 2 different times. 
I have filed a complaint here on this site in the past for the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went on XXXX military orders on XX/XX/XXXX and became eligible for benefits and protections under the California Military Families Financial Relief Act ( CMFFRA ). One of these protections is the deferment of principal and interest during my active-duty time plus 60 calendar days. I submitted orders to the company and was initially denied.

After requesting a second review, I was approved, but under SCRA benefits ( Federal benefits, not the State benefits I requested ). I have continued to make regular payments every month. 

On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested that all payments above the required escrow payments during my deferral be applied to principal. 

On XX/XX/XXXX I received a letter that my deferment was approved through XXXX of XXXX. 

On XX/XX/XXXX I received an alert that my account was 30 days overdue and my escrow account balance had decreased without any disbursements. By CA law I am required to continue to make payments towards escrow, however XXXX had placed those payments in a separate deferred account. I attempted to call XXXX, but was on hold for longer than 30 minutes. I sent an email to XXXX XXXX at the address listed on the letter I received ( XXXX XXXX but did not receive a reply. 

On XX/XX/XXXX I received a credit alert that my fixed rate loan had been raised by {$8100.00}. I again attempted to contact XXXX, but did not receive a return call after leaving my number with their automated system. I again sent an email to XXXX XXXX, but did not receive a reply. 

On XX/XX/XXXX I noticed that my account had 8 balance adjustments and payment reversals over the last 6 weeks and my payment due was double my standard payment even though I was supposed to be receiving an interest free payment deferral through XXXX of XXXX. I again called XXXX and was on hold for over 45 minutes with no answer. I again sent an email to XXXX XXXX asking for a call back and explanation of my statement and what was happening to my payments. I did not receive a response. 

I have never seen a more incoherent misapplication of state benefits, and I believe it to be in violation of the California Military Families Financial Relief Act. I am unable to speak with anyone at the company and as I write this I have been on hold for over 40 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of fraud.

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 2018-03-13
Company: CHECK INTO CASH INC.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i opened an account with XXXX back inXX/XX/XXXX. my card was compromised and XXXX  $ in transactions were made. I filed a dispute with us money card who states their customers money is FDIC insured. I filed the dispute in XX/XX/XXXX. now everytime I call, I am told my 60 days is up, but their dispute department has not updated. every time I call, I end up talking to same rep, who tells me they will email the dispute department, and this has been said to me since 2 weeks ago!!!! I brought that up to there so called manager who said, it is a small call center. which is bs. I know this company is fraud, and they aren't following their own policies and procedures! DO NOT OPEN AN ACCOUNT WITH XXXX XXXX XXXX ( CHECK INTO CASH )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Account information incorrect

Complaint:
I sent a letter to experian/ XXXX/ XXXX/ XXXX XXXXXXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXXXXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are 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 2019-02-20
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
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 would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local  attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-20
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:
I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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