BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: Happy Money, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Was denied a loan. I talked to a customer service rep XXXX, and he was not able to give me more information on why i was denied. He was very vague on the reason why i was denied, citing " incorrect information '' during the application process. I am not able to re apply for 30 days due to this issue. When I received the email on the reason why I was denied, it said " not enough information. '' I was not even provided my XXXX score from Payoff, Inc Applied for a {$12000.00} loan XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX fraudulently added charges to my phone bill. We had a total of 5 phones 2 for myself 2 for my fiance at the time at 1 for her XXXX XXXX XXXX daughter. The XXXX XXXX XXXX became defiant and moved out so we suspended the line and XXXX guarantee we wouldn't have to pay any charges for voice services on equipment charges. We paid paid all of our phones off and when it was time to renew our contract we decided to go with XXXX instead of XXXX due to us moving to a new city and XXXX had better coverage. We paid our entire bill and phone on the same day located XXXX XXXX XXXX XXXX XXXX # XXXX. Sometime later I received a call from XXXX saying we still owed them and we know we paid our entire bill. So i asked for a breakdown of charges. The lady proceeded to tell me that when we ended our contract with XXXX  that the line that we suspended and hasn't been paying for for over a year didn't get canceled and was reactivated when we canceled the other 4 lines. She couldn't explain how it happened or how it made sense to start charging for a line that was anyway suspended and not in use. I verified that it wasn't due to any equipment charges and she confirmed. This debt was caused either by intentional fraud in XXXX  behalf or due to a system error. But the debt is not mine and XXXX  needs to fix this as now a debt collector is trying to collect a fraudulent debt.

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 2020-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2023 I received second call which was a couple days after the first call from tel # XXXX. Both times stated the line was recorded. I hung up. I called the number back which gave me the company name National Credit Adjusters. Not knowing why or who they where calling about I XXXX to get their address and typed up a letter in XXXX docs and sent it Priority on XX/XX/2023 track # XXXX XXXX XXXX XXXX XXXX XXXX using the last 6 numbers of my social as a Ref #. Dear Bottom Feeder ... .. Basically asking for a debt validation letter to be sent.

I get a notification from XXXX XXXX that a collection has been placed on my file today XX/XX/2023. I disputed with XXXX today that I wasn't informed of this debt and that it needed to be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Mr Cooper at the end of XXXX of XXXX. 

The mortgage service change resulted in two issues : 1 ) Mr. Cooper recorded a payment on XX/XX/XXXX, but did not include this interest in the XXXX for XXXX. My XXXX XXXX is now incorrect by over $ 1500+ in interest. I need a correct XXXX to file my taxes. 

2 ) When transferring the loan, Mr. Cooper incorrectly applied the XXXX payment twice ( on XX/XX/XXXX and XX/XX/XXXX ). I noticed this in XXXX and contacted Mr. Cooper via phone, however they claimed " Everything is correct ''. I received a letter dated XX/XX/XXXX from Mr. Cooper claiming I have a negative escrow balance for taxes and insurance paid on my behalf. This is incorrect, as I have never had an escrow account with my mortgage nor have they paid any taxes or insurance for me. 

Mr. Cooper is now demanding I pay an extra {$180.00} for the next twelve months to correct their mistake. 

I called Mr. Cooper once again on XX/XX/XXXX, and was told they would review my account and get back to me within 10 days. It is now XX/XX/XXXX and I have yet to hear any response. Online, my account still reflects an escrow balance. 

Please see attached letter from Mr. Cooper, call logs, account activity, and screenshot from Mr. Coopers website showing I do not have an escrow account. 

I have always paid my mortgage on time, and I do not have an escrow. I can not afford to pay an extra {$180.00} for the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Have contacted Ally several times for release letter say they have it and never send it. Tax office has them as lien holder and they say the car is paid off but will not send the letter. Have contacted them several times. It is fraud for them to be the lienholder at the the tax office when they have told me it is paid off but will not release it.

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 2018-10-19
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX8 Bank XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXXp XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
this inquiry is due to idenity theif. 

this was not me. please remove from my report. 
i have already attemped to ask you all via, XXXX XXXX  & XXXX XXXX XXXX. 
Please Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES will not permit my daughter or me to set up automatic payments because they do not have an autopay program for students who are not in repayment and are instead only paying interest. Interest payments are just as difficult to remember to make each month. AES has reported us to the credit bureaus for being days late on making small ( $ XXXX {$50.00} ) interest payment. It is customary in the industry for a legitimate loan servicer to offer ACH aka autopay on all payments due. Perhaps AES does this in order to earn fees for late payments? There are no other logical reasons why they would not offer autopay on interest only payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attenpting to open a savings account with Ally Bank. After having my application accepted, the login setup does not work due to " system '' error. It boggles my mind that an online bank has such issues when traditional brick and mortar banks do just fine

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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 U.S.C 1681. XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. INQUIRIES that doesnt belongs on credit report. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2020-01-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied American Express XXXX Rewards card and got approved with XXXX openning bonus points. I met the spending amount of XXXX dollars in first three months but was told i was not eligible for the openning bonus. AMEX representative told me i was notified but i have absolutely no idea. It was such a disgrace for a big company like amex to treat customer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have never signed any agreement with any debt collector. They have attempted to contact me multiple times and placed a judgement of my name under county court. They have violated multiple counts of my consumer rights. They need to stop all communication efforts and recover judgement as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Paragon Credit Services
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The Credit Repair agency owner called my previous device in which I no longer have and has been given to a family member because I could not afford and left a voicemail calling me a coward for no paying what I owed even though I was told the money could be refunded for satisfaction guarantee and also stated account specific sensitive information in the voicemail. Also threatened to report to all XXXX credit agencies and hire an attorney to garnish my wages. Then he began to question my position in my company stating he does not know what kind of company I can be the head of because I am a coward and had funds reversed from their company. They have not sent me myself any communications through email which they have as well as anything to notify me of the fact I can not reverse the satisfaction guarantee funds.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My issue is with Venmo. I have a personal Venmo and one for my small business. Neither account was used excessively. The business account, on average, handled {$200.00} a month in sales. The only payments I made from it was a monthly payment to an advertising company who handled our social media accounts. I stopped making payments to them several months ago. My personal account was mainly transactions between myself and my daughter who is in college. I would send her money each month for her rent and groceries. 

Both accounts have been permanently frozen. I asked why and they would not give me an answer. I am not running an illegal business, and I report all sales thru Venmo on my taxes. 

How can I resolve this if no one is willing to help me at Venmo? 

Sincerely, XXXX XXXX XXXX  XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I disputed this to XXXXXXXX XXXX and XXXX  I havent heard anything back. This is not my account. I never had a XXXX XXXX XXXX account for {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CL Holdings LLC
State: OH
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 received a letter last year stating that a card was opened in my name and there was a {$280.00} balance. I knew this wasn't mine and wrote a letter requesting a list of charges. All of the activity was in Arizona. I do not live in Arizona and I have never been there. During this same time, another account opened in my name as a result of fraud, fortunately I was able to successfully dispute it. 

Looking into the account, I realized that I was not contacted until almost a year after it was opened. I contacted the debt collector and did not get far with them. During the phone call they could not identify me. They asked or my current and past addresses, as well as my phone number. No of my addresses matched what they had on file and they stated they were unable to help me because they could not verify my identity. 

A couple of weeks ago I tried to dispute using XXXX  and they disagreed. 

I received a letter with an offer of paying {$160.00}, which is not a lot. However, I do not wish to pay and they consider the payment is me admitting that this is my debt. I have exceptional payment history for my other accounts and this makes my account look bad because its a collection and shows up as multiple late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Consumer Portfolio Services, Inc.
State: SC
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:
On XX/XX/XXXX per XXXX XXXX, XXXX XXXX XXXX declared my account as a chargeoff/collection. However, this account is still showing open and has reported a late fee 6 months ago, XX/XX/XXXX. This has validated my rights as a consumer because the account, should be closed, and no reporting currently information because it was charged off 5 years ago. Due to the inaccurate reporting of information, I request that the creditor remove this from my credit bureau accounts. The balance reporting is incorrect of {$11000.00} which I never received reference or provided a written signature for. According to the FCRA XXXX XXXX XXXX has validated my rights and I am requesting legal action to remove this immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation