BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
As explained in prior CFPB complaint in re, unable to pay seller by the name of XXXX XXXX, error message states, " can not use card provided '' or similar thereof, I am still unable to make payment to this person... Matter remains unresolved and unable to pay seller.. Most recently, I spoke with an XXXX with Paypal whom attempted to imply the payment information used is associated with other Paypal accounts I had prior, several years ago... The payment methods attempted, including credit and debit accounts, were all opened within the past 1 to 2 years, which is after any prior Paypal accounts closed and or limited... Prior to this, I requested all accounts including those limited, closed which Paypal refused to do so, thus, reason in part for inability to pay XXXX XXXX. Currently, I am using email : XXXX for current Paypal account which is being used for attempted payments, I do not know emails associated with Prior Paypal accounts. XXXX claims these prior accounts are associated including name, payment info, and or address... I have moved since these accounts were opened, several years ago.., I will reiterate the current accounts were all opened within 1 to 2 years, well after any prior Paypal account closed and or limited.. Needless to say, XXXX 's response seems to be bogus and matter not addressed. Her response indicates to use another payment method in which case, seller does not accept other methods than Paypal. Having said that, Paypal needs to fix issue including closing any prior Paypal accounts which may be interfering with payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Asset Management Outsourcing, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: AZ
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:
have had identity theft I did a dispute multiple times and i was denied relief and just sent a generic letter saying that I did the dispute in error, then I asked for them ( each credit bureau ) to send me the proof that it was me that opened the accounts that where opened fraudulently. XXXX Experian and XXXX refuse to remove these accounts that are fraud and will not share why they are being validated. these are the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-10
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}

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 2015-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
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:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2022-05-18
Company: Rapid Mortgage Funding Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rapid Mortgage repeatedly calls asking me if I want to refinance my mortgage. Each time I ask them to put me on the do not call list. They continue to call. I have even asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Toyota Motor Credit is reporting inaccurate information to the credit bureaus in regard to a fraudulent account in addition they are refusing to remove this negative information from reporting against my name with all the major reporting agencies although they are aware this information is fraudulent. I did not obtain a loan with Toyota Motor Credit nor did I give anyone permission to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-12-08
Company: Lipsky & Associates, Inc
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shortly after purchasing my first home I received a letter from a company by the name of XXXX. This letter, a copy of which is attached to this complaint, claimed that I was " paying too much on my mortgage '', claimed I could save up to {$100000.00} in interest, claimed to provide a " simple, logical '' payment option for my new mortgage loan, and stated it was a limited time special offer. However, the letter did not list any payment processing fees or enrollment fees. I called XXXX XXXX on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$1.00} - {$2.00} processing fee for every payment ( XXXX payments x {$1.00} = {$45.00} minimum per year ) as well as a " startup charge '' between {$190.00} - {$490.00} After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative advised me it " should be an option provided '' by my servicer but seemed to dissuade me from doing so. I believe XXXX has misrepresented the interest savings I could achieve through their program, has mislead me about the cost of the program, and offered me a deceptive program in which I in no way requested materials on. The same interest savings can easily be achieved on my own, and involving them in my mortgage payment process would actually make it more complicated and illogical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.

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 2016-08-12
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Account status incorrect

Complaint:
I settled my account to be paid in full with XXXX  XXXX around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, AZ XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2020-08-10
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:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The address from XXXX is not mine. I never even lived in 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation