BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 XXXX issued me a check for the amount of {$4000.00} via direct deposit, which I arranged to be deposited to my PayPal account. PayPal refuses to release my money to me. Every single time I attempt to utilize my funds I receive an error message. I have called numerous times about this matter. On XX/XX/2019 the money posted to my account and should have been readily available for my use however PayPal is attempting to steal my money from me by keeping it away from me. This company is guilty of gross misconduct, false advertisement, and fraud. PayPal has time and again promised me and " Rest assured you will have your money within 24 hours ''. These people are criminals of the worst kind and I have incurred damages as a result. Additionally PayPal made sure to deduct funds from the deposit to pay itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This company did a fraudulant activities again, and no wonder why thay have a lot of lawsuit, there employees are very ruid, and if you will call there toll free number there messages, will say, this is a debt collection agency, and we have the right to do this, etc, and im paying them on time, they should change there messages, this is harrashment to the consumer and the second one, is they took my {$1000.00} to my chase account as nuvients loans, and I dont have a students loand to them, there was a double payment to my mortaged to my account between XXXX XXXX, XXXX and XXXX XXXX, there employee is saying, that XXXX bank was the one who input the transactions by XXXX student loans borrower, biller id is XXXX this is there id user namer. 

and it eas them who mess it up, I never even authorized them to get into my chase account Last two months, ago the loans was paid off, and I have refund of {$1000.00} for my escrow account, I even request for a supervisor, instead of I was on hold for two hours, from there employee, its two months, now they never return my refund, and I updated my address here in XXXX XXXX ca, They should give me that interest of the delays, theys said that they are not afraid of this institution because they are big companies. 

XXXX XXXX, a bigger company, and they sent me my refund right away, and they added the interest of some delays, this company fraudulently used again my money, I know that you are helping a lot of home owners I hope that there fraudulent practices should be investigate, Its holiday and they are the one who is using my money Respectfully yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested mortgage forbearance back in XX/XX/2020 to my mortgage company Home Point Financial. Forbearance was granted for 5 months. I started giving monthly payments again in XX/XX/2020. I requested a loan modificaron so the amount past due could be added to the end of the loan. My request was approved in XX/XX/2020 after I signed and mailed all the documentation. In XX/XX/ 2020 I started the process to refinance my loan with another mortgage company. This company is asking me for the loan modificaron documentation to be able to process the refinance. I have been asking Home Point Financial for this documentation since XX/XX/2020. I have called them approximately 6 times. Home Point Customer service representatives tell me the request has been submitted and I should recieve my documents by mail. To this date I haven't recieved them and haven't been able to continue the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8, 9, and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Continental Services Group, Inc. d/b/a ConServe
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:
ConServe agreed to delete this collection account from my credit report and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: DISCOVER BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied credit by this lender and the fact they w ere notified my credit reporting with all three major agencies was never noted on the rejection letter. Furthermore since bankruptcy I have NOT been in collection. We have no way of knowing who these other agencies that report on us are and as with XXXX XXXX who had the incorrect information. Do the others such as XXXX XXXX Or XXXX have similar incorrect information? My concern is where did they gather this alleged information since

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency is reporting on my credit report, but has not provided the requested sufficient information about alleged debt. 
I initially contacted SW CREDIT SYSTEMS L.P. on XX/XX/XXXX after I noticed a strange entry on my credit file that I had no knowledge of. I emailed the company at XXXXXXXXXXXX and also at XXXXXXXXXXXX. I received a response back asking to verify my address and some information about this account will be mailed to me. I did receive this piece of mail, but it was just a random bill. A bill that I had no knowledge of. I did not recognize the account or the charge. I then asked for SW CREDIT SYSTEMS L.P. to provide proof On XX/XX/XXXX. I outlined that by law they must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies SW CREDIT SYSTEMS L.P. as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105. This was not received. They also had an additional account number on file, which I never held a contract at any time with SW CREDIT SYSTEMS L.P. and believe this may be identify theft due to the fact that the requested documents were not received and  they have my personal information reporting on a debt to which I have no knowledge up with an account number. Please help me remove this information from my credit file ASAP. It has been well over 30 days and proper verification/validation has not been established in addition to the identity theft. This is damaging my credit file and is restricting me from obtaining items based on my credit worthiness. If not removed I will be seeking damages as outlined under the FDCPA which are {$1000.00} per each occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this collection account with the credit bureaus and directly with XXXX XXXX. I have told them numerous times that this is NOT my debt and i have no knowledge of it. They have NEVER responded to my disputes or provided any proof that this is in fact my account. They have violated my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Original Creditor Name XXXX XXXX XXXX XXXX ; ( CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ) Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX   XX/XX/2020 Equifax XXXX XXXX XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 Equifax XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  EQUIFAX XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is falsely reporting that I have an account with them for the original creditor Cashnetusa. I have no contract nor any business with XXXX XXXX or Casn net USA. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2020-05-05
Company: GOLDMAN SACHS BANK USA
State: FL
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 have the Apple credit card through Goldman Sacks. 
On XX/XX/XXXX, there was a charge of {$300.00} from a company called XXXX. 
This was a charge I did not make and I immediately called Apple Card, they put the charge under review. On XX/XX/XXXX I was charged again, Apple said they ruled in the favor of the merchant. I have called at least 6 times and can not get this resolved, all they say is we understand your frustration. 
XXXX is a food delivery service, that does not deliver any-where in XXXX XXXX Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX ( XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX time and time again. TransUnion is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.

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 2021-09-13
Company: Experian Information Solutions 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:
XXXX, XXXX, and Experian continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
In my attempt to correct inaccuracies reported by ; Eperian, XXXX, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by Experian, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {$430.00} and reported by various collection agencies - once by XXXX XXXX, and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XX/XX/2019 - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court.

The date of my first attempt to correct matters was made by certified mail dated XX/XX/19, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations.

In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.

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 2019-04-16
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After I set up my bank account it was mostly dormant but I still kept getting paychecks and doing the 10 debit card purchases a month. I hit a point after switching jobs in XXXX of XXXX where I didn't have enough money to put gas in my car, so I made a call to see if I had overdraft fees turned on, remembering that i purposely had them turned off but still wanted to double check. When i called they confirmed that i couldnt overdraft and that i could turn it on but it would take a few business days to become active on my account. I opted out of it, though. Fast forward to the next year and I'm without a job but getting a little bit of help from family to keep up on bills ( only when I need it ). Knowing that I wouldn't have overdraft fees I was going to pay my bills when the funds were available even though they were set to automatically withdraw from my account. I now have 6 overdraft fees in the last 2 months adding up to {$210.00} ( {$35.00} each ) ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Not only was i charged with the overdraft fees but i was charged for something that i couldnt afford without assistance.

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