BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ALLY was included in a Chapter XXXX and discharged. They continue to report Profit/Loss on my credit report with a {$11000.00} balance. They have been contacted numerous times, the latest from my attorney and still no response from Ally. This needs to be removed from my credit as it is hurting my score.

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 2021-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reported to Equifax and XXXX  that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted Equifax and XXXX  notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked Equifax to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that Equifax remove the unauthorized inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - Emergency Room visit.XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

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 2021-02-23
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Quicken loans employees said my escrow account payment short XXXX. Quicken loans employees stole XXXX. Property tax bill for XX/XX/XXXX. Quicken loans employees stole money from escrow account during months XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX and XX/XX/XXXX XXXX will be what I was told they will take. I paid first time mortgage payment for escrow account XXXX mortgage payment is XXXX new payment mortgage payment due XX/XX/XXXX XXXX. Quicken loans employees stole since XX/XX/XXXX. How do I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Flagstar Bank, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Flag Star Took over a non funded in good standing account and then ran up " maintenance fees '' to over {$100.00} in a predatory manor that not only was done with out my knowledge and are working in affilation with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI 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
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 3 degrees that I obtained from XXXX to XXXX. I had 3 student loans and paid all 3 federal grants off in full. None are on my report. I purchase two houses between XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and current address at XXXX XXXX XXXX XXXX  with my husband XXXX XXXX, XXXX. Neither are on my report. I purchased a car in XXXX from XXXX XXXX in XXXX ( XXXX XXXX XXXX and in XXXX I purchased a XXXX Truck from XXXX XXXX in XXXX. I was sick in XXXX and missed 1-2 months in two credit cards and now my score is ruined even though I paid those I also paid that off. None of these items is on my credit report. I think you purposely keep peoples scores low. I know you wont do anything. You always ignore what I say and side with Fico and the credit card companies and ignore all the things I have told you above and that is documented as early as XXXX. The ageism inherent in your complaint department and the lack of willingness to help me is so frustrating I have let it get the better of me. I am just tired of all the things I have done not being on my report and no one making any real attempt to respond to any of my concerns. I wont come molar again.I am fully aware that you dont care, wont believe me, and wont do anything to truly explore what Im saying but I am making one last attempt. I think the callousness with which you respond to complaints is disgusting.

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 2019-06-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX, I sent money to the wrong place/person ( Ive never used money gram before ) I didnt know how it worked I thought I did. But I sent XXXX $ to a XXXX XXXX In XXXX and Id like to get my money back. This transaction happened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Under FCRA my rights are being violated by the bureau. I initiated a dispute on XX/XX/XXXX and no results were yielded. I placed a complaint with CFPB 60 days from the initial letter on XX/XX/XXXX. The bureau was given 60 days to verify this inaccurate information already. This is a violation of my rights to extend any more days to verify inaccurate information. The bureau needs to delete this inaccurate information immediately. I have attached the company 's response to my complaint, my license, the dispute letter and bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: MO
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 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1600.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX   and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use threatening and profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When covid 19 started I contacted XXXX about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His XXXXedit score dropped XXXX points. 

I called XXXX several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with Experian. It came back with no change. 

This is not fair at all. I know the XXXX system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.

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 2021-03-01
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a PayPal user with email address XXXX I received a payment from my limousine partners in XXXX and XXXX decided to freeze my account informing me that I will be able to withdraw my funds after XXXX  days. 

Since then I have faced issues of not able to log into my PayPal account. 

PayPal XXXX office email me informing me that I will be able to withdraw my funds on or before XX/XX/2021. 

But I tried logging into my PayPal account with my correct details and it keeps saying " your info isn't correct or some info are missing ''. I then decided to change my password and it keeps saying the same thing. 

Since I have not been able to log into my PayPal account, I am believing that PayPal itself as a company has taken my funds and blocked me from logging into my PayPal account. I have read cases where PayPal take people 's funds to themselves unauthorized. 

I need explanation with this and assurance that PayPal will not steal my funds. 

I want to be able to access my account and withdraw my funds. 

I would like someone at PayPal to reach out to me. 

My reference number where my funds was held for XXXX days is XXXX I will be ready to take PayPal to court for damages if my funds isn't released.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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:
For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number 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
Consumer complaint received 2019-06-11
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to dispute the account with XXXX XXXX XXXX  on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1100.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I did not apply for this credit card. I can also provide proof that I did not apply for this credit card or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from XXXX XXXX XXXX and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I also received a letter from them stating that they sent me a Fraud Affidavit to fill out again which was already sent as I have informed delivery from the USPS and I can prove they never communicated with me by mail, as the letter states that they sent me the information. I called again on XX/XX/XXXX after receiving the letter and explained to the Fraud Team again this identity theft and to remove the card from my credit file, and the representative named XXXX advised will re-open fraud claim and sent the fraud affidavit again and remove from my credit, however they have failed to do so and the account is in dispute again with credit reporting agencies. Now XXXX XXXX XXXX XXXX states that I didnt get documents to them in time and have sent the account to Sequium Asset Solutions and my Attorney In Fact and POA and myself have disputed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been trying to connect my bank to " XXXX XXXX XXXX' in order to sign up for a rent payment plan, but every time I enter my information a notice comes up that says PNC has made a change that prevents you from connecting your account. I've tried contacting PNC but they don't seem to understand what I'm trying to do with the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Ameritech Financial
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I entered a Service Agreement with Ameritech Financial on XX/XX/XXXX under the pretense that I would be enrolled in the Public Service Loan Forgiveness Program and my student loan debt would be forgiven after 120 qualifying payments. They explained to me that {$200.00} would be debited from my bank account on XX/XX/XXXX as well as {$200.00} for the next 9 months to pay for the Program with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After those 9 months, I would be debited {$99.00} for the remainder of the program. 

I took out a loan under my name and a second one under my father 's name to cover tuition cost at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon graduation, I began paying back both mine and my father 's loans so it grew very expensive for me. I received a notice in the mail claiming Ameritech could help reduce my loans, so I called and we are now here. 

I regularly check my account and my father 's account on XXXX website and the principal amounts have never been reduced after starting our plan with Ameritech. I even began paying interest on my father 's loan in XXXX as we are enrolled in the income-based/contigent repayment plans. I am very concerned about this current lawsuit against Ameritech and it how affects me because I was counting on making those 120 qualifying payments for my student loans to be forgiven. I can't believe I've been paying {$99.00} towards my account and {$99.00} towards my father 's account monthly since XX/XX/XXXX and it has all been for nothing. I am not sure now if I even made any qualifying payments and I can not afford to start this process all over again. I would really appreciate any help or guidance you could provide me. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AES/PHEAA
State: MI
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:
Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. 

Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( FOCUS FINANCIAL ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Berman & Rabin, P.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was the victim of a malicious chargeback fraud attack from a payment processor. A legal practice has been attempting to collect a debt ( not the original processing company ) much against my confusion and what I believe to be NOT of my own personal liability. 

This company has refused to respond to my negotiations and has now blocked me. I have not been disagreeable or offensive in any way and have attempted negotiation. Theyve threatened to sue me multiple times and Ive made PROVABLE efforts to send payments to the ACTUAL COMPANY NOT THESE FALSE REPRESENTATIVES. 

They are attempting to collect a debt that is NOT theirs and claim Im in breach of contract. I have NO contract with them. My obligations, if any arguably, are 100 % NOT on par with the company claiming to represent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the XXXX Department, XXXX XXXX Bank, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

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