BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
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:
The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXXXX/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 explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: VA
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 am writing to dispute the mixed credit report that Equifax has caused by inaccurately reporting my credit information. On XX/XX/2020, I notified Equifax via fax of my name change due to marriage and receipt of my new name was acknowledged by an Equifax agent via telephone. 

On XX/XX/2020, XX/XX/2020,XX/XX/XXXX, XX/XX/2020, XX/XX/2020, I notified Equifax The inaccurate merging of my credit information, such as my name change from XXXX XXXX XXXX to XXXX XXXX XXXX is inaccurate because when myself or a credit lender attempts to request my credit file with your agency, we each receive the same error no data available. 

On XX/XX/2020, I requested an online credit report with XXXX  IXXXX under XXXX XXXX XXXX and my Equifax credit reported no data. 
On XX/XX/2020, I requested an online credit report with XXXX XXXX under XXXX XXXX and my entire Equifax credit reported all of my current file. 

After months of multiple calls and faxes, my Equifax credit report has reported inaccurate information on my credit report for 4 months ( XXXX - XX/XX/2020 ) from my current lender XXXX XXXX XXXX, resulting in inaccurate credit score. 

Enclosed are copies of error messages from XXXX and letters from lenders unable to access my Equifax credit file supporting my position. I have retained an attorney to provide assistance with this on-going matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Good day! My name is XXXX XXXX XXXX XXXX from XXXX and I always use my paypal account whenever my fiance sends me money from XXXX and I also use it whenever I also send money to my friends and because I have also linked my paypal to my XXXX account so that I can withdraw money in pesos but my paypal account is now in limitation and i can't get my balance money in my paypal account and Paypal sent a message to my email saying I can't use my paypal account and I have to wait another 180 days to get my money because my paypal account is in limitation so I can't send money or receive money from in my paypal account. What should I do? can you help me get my balance money on paypal without having to wait 180 days? 
Email : XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Citi bank is reporting a credit card on my credit that wasnt open by me. 
I tried to reach out to citi bank and make them aware but they keep sayings its verified.

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 2021-10-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A wire was sent to PHH mortgage company on XXXX to pay the loan balance off in full. The wire amount was for XXXX. I've been calling PHH and emailing them since XXXX trying to find out why the funds have not been applied to the loan balance, and why the loan has not been paid off in full. 

I'm getting no where with PHH, and their representatives can't even tell me if they received the XXXX. As of XXXX PHH is stating that my mortgage is now 5 days past due. I can't get them to fix this problem, find the wire that was sent to them, and apply it to the loan to be paid off. Please help with this matter as this is now adversely affecting my credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXX, 2017 I attempted to get my free annual credit reports online. Transunion kept trying to sell me my credit score, which I did not want. They kept asking me for information to " confirm '' my identity. Eventually I did receive my free credit report, however upon accessing my XXXX XXXX  account I discovered Transunion had, without my approval, charged my account {$19.00}. Upon checking I could not discover what service I was being charged for except it was monthly. I was unable to contact Transunion either by phone or email. I immediately contacted my bank and this charge is currently under dispute, but that is no help for me as I live on a small pension and need the money for things such as groceries. 

I had a similar experience with XXXX except they did not charge me anything. In my opinion none of the three credit reporting agencies should be allowed this kind of misleading conduct. Transunion 's site was just plain deceptive as each of the pages of information they required clearly was labeled " free credit report '' and, all three of the agencies kept trying to sell me my credit score, because a lot of the time the word " score '' was substituted instead of " report '', and one just had to be alert for the substitution. XXXX was very persistent in trying to sign me up for additional services, however they finally gave up and informed me I would have to request my free credit report by mail along with two copies of something which I have forgotten. I never gave any of these agencies ownership of my personal information, and they badly need tighter regulation, but probably will not happen in my lifetime.

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 2018-02-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that I moved to this country on XX/XX/XXXX, and have always lived in Minnesota. I have never taken out a car loan even here in MN. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: NATIONSTAR MORTGAGE LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted Nationstar Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/XXXX at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/XXXX this had gone on far too long and my credit was ruined and my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent documents on XX/XX/2021 indicating my remedy for violating 7 Federally Protected Consumer Rights under 15 USC 1692 and 1681 to avoid suit being filed in court. Invoice amounted to {$7000.00}, XXXX maximum for each violation committed by Jefferson Capital Systems , LLC. 
All but 1 remedy was acted upon. 1 ) zero the balance on the account and 2 ) deletion/removal from consumer reporting agencies **Failure to 3 ) compensate myself for every violation labeled in attached exhibits provided to Jefferson Capital Systems , LLC that violated FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/2020 My full payment was applied as listed below ( {$33.00} principal + {$490.00} interest ) I discussed this on a chat with them, and they claimed it was compound interest about a month or two ago not sure of the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: MNS & Associates LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've been getting calls from a debt collector in New York called MNS and Associates. I live in Colorado. This company is calling for a guy named XXXX XXXX XXXX. I've called them, answered when they call and emailed them to tell them I dont know this person. When I try to tell them to take my phone number off the list they just hang up on me. I spoke to a guy on XX/XX/2019. He said my number would be removed. The very next day I received another call. I tried telling the lady she has the wrong number and to stop calling me and was hung up on AGAIN!! I'm tired of getting call after call for a person I honestly dont know! I dont know how to get this to stop so I hope this will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company has broke an important promise, they put me in a forbearance plan for 4 months to pay a lesser amount of mortgage payment and that the rest of the money was going to be placed behind the loan and at the end of the forbearance plan i will automatically start making the regular payments, now they want to foreclose my home unless i pay {$9500.00}. this was all due to a hurricane disaster program recommendation by the mortgage company servicing my loan. sincerely yours truly XXXX XXXX. 

PLEASE HELP US SAVE OUR HOME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After completing an investigation to an alleged bankruptcy record. Equifax certified that the record was " Verified as accurate ''. I have contacted the data furnisher ( XXXX XXXX ) for an updated consumer report showing no bankruptcy record. Please see the attached full consumer report dated XX/XX/2022, page 52 under " Bankruptcy Records ''. In addition to this new file, I have attached the letter from the Bankruptcy Court who has certified that they " Do not report filings to CRA 's ''. I am demanding the removal of this record in accordance with 15 US 1681i. Equifax has failed to provide proof of the accuracy and completeness of this record, and therefore it must be removed. Equifax claim of " verifying '' this record with said data furnisher ( XXXX XXXX ) has been proven to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Atlanticus Services Corporation
State: NY
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:
Received a letter from them stating I had applied for credit and requested documentation. 

Original Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech continues to send a statement that shows a past due amount for insurance of XXXX That was already paid with the XX/XX/2019 pmt. on XX/XX/2019. 
This has been addressed with the Ditech company 2 times on approx, XX/XX/XXXX. 
Was assured by the representative that an amended and corrected statement would be sent within 24hrs. plus mailing time. 
I received another statement on XX/XX/XXXX that reflected the same incorrect XXXX Past Due plus the current insurance amount. of XXXX. 
Upon phone call on XX/XX/2019 I was told that the funds were being reallocated and that I should wait on the next statement to see if it was corrected. Next statement should be arriving before XX/XX/XXXX which is past the scheduled payment date of XX/XX/XXXX. 
This is unfair credit reporting.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company XXXX XXXX ( XXXX at XXXX XXXX ) has an account on my credit file that is 7 years old that has been sold to multiple companies removed and placed back on my file.

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