BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: GA
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 opened this XXXX XXXX account in XX/XX/XXXX. I notified XXXX XXXX that not only had the 7yr timeframe pass but the balance was incorrect and reporting twice on my report. I sent out 2 separate letters attached with documents to show the reporting was incorrect and affecting my score because the account reports negatively. The letters were sent out in XXXX and XXXX of XXXX. Equifax in turn updated the account on XX/XX/XXXX as a bad debt and my score dropped XXXX points. Equifax changing the status of the account made it appear as if the account was newly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: DISCOVER BANK
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:
fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EZCORP, INC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The company deposited checks into my bank account and the checks were fake. My bank is claiming me responsible for the fake check amounts now totaling over {$5000.00}. the company was XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Credit Technologies, 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:
On XXXX XXXX, XXXX, CREDIT TECHNOLOGIES INC. add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a XXXX  & XXXX. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Account status incorrect

Complaint:
I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX month old kid and XXXX year old kid, my current lease manager told me to vacate the current house by 30 th of this month, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: T.S. Holdings
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.Q Data International contact me to collect end of lease charges from XXXX XXXX XXXX XXXX Apartments which did not include a discount from the security deposit. After explaining with I.Q Data representative that XXXX XXXX XXXX XXXX Apartments is not including the security deposit in the XXXX statement they threaten with reporting the debt to a credit bureau and continue charging interest on the debt. Therefore, we were force to pay under protest. On the other hand, XXXX XXXX apartments claim that the previous property manager took the security deposit money and that they do not have it. They also ask me to contact that person. The lease shows is the same company XXXX XXXX XXXX managing the account and I shouldn't be looking for individual persons. 
I.Q. Data International was not interested in fixing the amount they were charging and only threatening with additional actions, information was provided including copy of the lease stating the amount of the security deposit but there is no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was told a check which was a fake check was deposited in my account and had to receive a prepaid card and give them the information. This lead my banking account to be overdrawn and was out of my money.i have a I guess it's a fake contract from this scammer as well as a copy of the fake check from my bank anlong with telephone numbers that at last called are still active. Please contact me at XXXX and I can provide any helpful information that I have to stop this from happening agin or to anyone else. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I AM VERY XXXX XXXX XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND IT IS NOTED ALSO ON MY ACCOUNT. 

I HAVE BEEN POKED FUN OF AND GIVEN THE RUN AROUND TOTALLY TODAY JUST BECAUSE 6 FOLKS REFUSED TO ACCOMODATE ME NOR GET ME A PERSON THAT I COULD HEAR. 

MY DISPUTE WAS NEVER PUT THRU.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019 both my spouse and I lost our jobs so I contacted PenFed Credit Union to inquire about what my options might be such as deferring payments to the end of the loan, reduced payments, anything of that nature that they might be willing to work with me on. I signed an extension agreement that to my understanding deferred 90 days ( or the next 3 payments ) until the end of the loan. We resumed our regular monthly payments in XXXX only to be blindsided by a letter from PenFed 's delinquent loan department stating that we were in arrears over {$1400.00} dollars. After pouring through bank statements and looking for copies of canceled checks I reached out to PenFed with copies of the Extension Agreement that I had signed, a listing of all the payments I had made on the loan and my belief that I was in fact current. Shortly thereafter I received another letter from the delinquency department stating that the Extension Agreement that I signed was placed on my file for future use as at the time I asked for assistance I was not eligible to receive any. To say that I was shocked was an understatement ; why would they have me sign the agreement and then not notify me in writing that the extension had been denied? The lender that I spoke with and emailed me the agreement never told me that I was in fact applying for future assistance ; it wouldn't have made any sense for me to do that I couldn't make the payments in XXXX. I have only recently started a new job and my spouse is out of work still, my fear is that repossession attempts are not far behind and I just honestly feel like I was completely mislead about the form I was signing ( it is clearly titled Extension Agreement ). PenFed basically told me to XXXX it up there was absolutely no repayment options given to me just pay the {$1400.00} now. They have also continued to contact my son who is in no way linked to this loan or to PenFed in any way, shape, or form despite his numerous attempts to explain to them that he is not an account holder of theirs. I'm not sure if they think he is lying and that it's really me on the other end of the line but the calls are repeated, during his working hours as an XXXX at a XXXX XXXX XXXX. I have given them my contact information numerous times so again I don't understand why they continue to call my son.

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 2017-10-13
Company: Credit Plus Inc
State: VA
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 have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! 

Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to Experian but has not received any assistance. The account has been deleted with XXXX  and XXXX  however my Experian credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.

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 2016-06-09
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

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 2020-08-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I want to contact paypal to withdraw my money. But I can't get in touch with them all the time. I want to add another bank, but I keep making mistakes. Link a bank account Sorry, we can't link your bank account right now. My email number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.

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 2020-08-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, 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 2020-08-12
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: Account status incorrect

Complaint:
I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, 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