BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: American Credit Adjusters
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: SYNCHRONY FINANCIAL
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

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 2016-06-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
At the beginning of the year, I asked DiTech if they did biweekly withdrawals from my checking account to pay my mortgage biweekly. They said yes and I approved them to start withdrawing {$600.00} every 2 weeks. That worked for 1 month until the first problem happened. They changed the dollar amount on the withdrawal themselves to {$590.00}. that went on for 2 months. Then the next problem was that they changed my account number without notifying me. I was told by them that they upgraded heir system and everyone 's account # changed without notifying any of there customers. 
This is where the real problems started in XX/XX/XXXX. I started getting phone calls saying I I was late on my payment and that I needed to get caught up. This was not possible since they were the ones taking my payment out of my account. After multiple phone calls and talking to supervisors we finally discovered the problem. They had somehow partially applied my payment to principle and left the other part in suspension which now was not enough to make a full payment. ( I do n't understand this either ). I was told that there new system did this to many people. Now it is XX/XX/XXXX and they still do n't have the problem fixed. I stopped the Biweekly program XX/XX/XXXX because they can not be trusted to handle it correctly and I have been making full payments for XX/XX/XXXX and XX/XX/XXXX. Now here is the real problem. 
Not only have they not fixed the problem, but I get harassing phone calls 3 times a week from a different person every time. I was told by XXXX different supervisors that my name and phone # would be removed from the call list until they fixed the problem. 
That turned out to be a lie. Now they are calling my work phone and still harassing me over a payment that they have. I am not behind on my payments. I have had this house for 14 years and always paid early and extra. DiTech took over XX/XX/XXXX and it has been a nightmare ever since.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: Revenue Assistance Corporation dba Revenue Group
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights. 

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

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 2022-05-17
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: LA
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 XXXX account # 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 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

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 2021-09-05
Company: NAVY FEDERAL CREDIT UNION
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a checking account under my name. Then made a cash advance from my credit card into the checking account. Then they made an external transfer from the checking account to another account outside of my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
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: Account information incorrect

Complaint:
I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MO
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 constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.

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 2020-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}

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 2022-05-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have violated my rights. 

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 an account without my written instructions.

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 2021-09-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

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 2017-08-15
Company: Stewart Information Services
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy. 

The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy. 

Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: OneMain Finance Corporation
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
i have used and app called Venmo for multiple transactions. Tuesday XXXX i sent my friend XXXX XXXX dollars. in my history ive sent her money before. I get a pop up message that my transaction is in review. 2 days later i get and email that the transaction will not be processed to XXXX but the XXXX dollars was taken out of my account. I received an email from venmo stating that i was not getting a refund, etc etc etc. I reviewed the terms of agreement on the website and it states sections F '' f. Payment Investigation Payment investigation is a process by which Company reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Company will place a hold on the payment and may provide notice to the recipient. Company will conduct a review and either clear or cancel the payment. If the payment is cleared, Company will provide notice to the recipient. Otherwise, Company will cancel the payment and the funds will be returned. Company will provide notice to you by email and/or in the account history tab of your Venmo account if the payment is canceled ' ... ... it was n't cancelled it was withdrawn!!!! Not returned and how is sending XXXX bucks to a recipient XXXX miles from my home that i have sent money to before flagged for high risk. 
2 ) Desired resolution. Transparent terms and agreement terms with high risk inclusion criteria. just decline the transaction. reverse my money x 2 and remove all my personal banking account information from the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PDQ Services , Inc is in violation of HIPAA on an account you have reported on my credit file. The company is XXXX XXXX XXXX, XXXX XXXX. ( A XXXX search of " XXXX XXXX XXXX XXXX '' returns the medical office # XXXX in the search results. ) '' Under a new FACTA provision, consumer reporting agencies may not report the name, address, and telephone number of any medical creditor unless the information is provided in codes that do not identify or infer the provider of care or the individual 's medical condition. This does not apply to insurance companies selling other than property and casualty insurance. ( FCRA 605 ( a ) ( 6 ) ). " I am requesting that you delete any reference to this account from my credit files contained on all XXXX credit bureaus..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation