BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CT
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:
Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Information belongs to someone else

Complaint:
I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: OH
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 am a victim of Identity theft this is a fraudulent account and needs to be removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my previous dispute against Experian, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. 

I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.

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 2022-03-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
file a fraud complaint with paypal on XX/XX/22. FRAUDULENT CHARGES ON MY PAYPAL ACCOUNT., FROM A COMPANY CALLED XXXX  I never ordered anything from XXXX i never received any service or merchandise from XXXX Paypal ignored my complaint and just closed my case, with out any investigation, Paypal closed the case 2 hrs after I filed the complaint, It is obvious that on they just automatically are closing cases with out investigating anything I want a refund of all the fraudulent charges the PayPal facilitated in the amount of {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I, held a mortgage with Wells Fargo that was opened in XX/XX/XXXX of XX/XX/XXXXWith XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and I were divorced. In XX/XX/XXXX, I filed chapter XXXX personal bankruptcy, and was discharged from the mortgage debt. In XX/XX/XXXX, I completed the deed-in-lieu, removing me from the loan in its entirety. This was recorded with XXXX County, New York on XX/XX/XXXX, as you can see below.
I am writing because you have falsely filed an FHA claim under my name, which is preventing me from obtaining a new mortgage. This is in direct violation of the deed-in-lieu process, and subsequently, I am facing strong financial setbacks due to your inaccurate reporting. Likewise, my ex-husband is currently in Chapter XXXX bankruptcy, which impedes the ability to file an FHA claim, as he is claiming sole ownership of the above mentioned property. If he is agreeing for a repayment terms, the ability to file a claim through the FHA is null and void. 
I am requesting that you immediately cancel/close out your FHA claim/CAIVRS file that was opened in error in my name. I am also including this notification to the CFPB and the Better Business Bureau. Should you be unable to resolve this issue timely, I will be forced to take this notification to the media, specifically XXXX XXXX news in XXXX, New York, XXXX, as I am suffering financial ruin in the inability to purchase a home in the amount of {$150000.00}. This sale must close by XX/XX/XXXX or we will lose our family home that has been in the family for over 100 years. Not only is this a significant emotional loss, however, the financial devastation that you are causing my family. I will seek financial damages should this not be resolved immediately for the cost of my new home.

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 2023-04-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
See attached Cease & Desist and Debt Validation letters for my attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LD Holdings Group, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I set up an AutoPay for my mortgage with Loan Depot through my XXXX XXXX XXXXXXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. Loan Depot did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

Loan Depot sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called Loan Depot customer service and spoke to XXXX, ID XXXX. He informed me that Loan Depot did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why Loan Depot did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX XXXXXXXX make two payments for XXXX and XXXXXXXX XXXX mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXXXXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to Loan Depot Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TFS FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Opened a Third Federal Savings & Loan HELOC and drew down a balance in XX/XX/XXXX. Set payments on Autopay via their website which ran fine for six months until I received a call from their Collections department in mid-XXXX saying I underpaid my loan payment. Tried to pay online but was unable to do so from their website, online payment was blocked and their website notified me to call Customer Service. Was assessed a late fee even though I was unable to pay online. 
Called back on XX/XX/XXXX and was notified that AutoPay service can only be for a fixed amount every month and I need to monitor my statement and cancel AutoPay every time the payment amount changes, which is monthly now with changes to the Prime rate and a variable rate loan, and setup a new AutoPay service. Every other Financial Institution I have worked with has an AutoPay for the minimum payment amount due however Third Federal refuses to provide that option. Appears to be a scheme to generate late fee charges on customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my IBR ( Income Based Repayment Plan ) Documents electronically to Navient on XX/XX/XXXX via the Studentloans.gov site. On XX/XX/XXXX, Navient confirmed that they did receive my application and as long as my income information was included there was no further action to take on my behalf. I did use the IRS income tool, so everything should be included that is needed on their end. 

As of XX/XX/XXXX, Navient has not even begun to process my IBR claim and they continue to send me statements, delinquency notices. The latest notice I have is dated on XX/XX/XXXX. I have contacted Navient twice so far via email to ask what the status is of my IBR claim and about the Public Service Employee Forgiveness request I made. They responded in regard to the Public Service forgiveness request, but didn't respond in regard to the status of my IBR claim ; they only mentioned that my account is delinquent and I need to submit an IBR request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender damaged or destroyed vehicle

Complaint:
As of  XXXX / XXXX / XXXX , interest paid on the loan was {$2300.00}, principal balanced owed is {$5700.00} and the loan balance is {$7800.00}. I have made  XXXX  payments totaling and {$2000.00}  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . I contact the lender to obtain the principal balance owed on  XXXX   XXXX . I receive an email from the lending stating, as of  XXXX   XXXX ,  XXXX , my principal balance owed is {$5600.00}. An investigation should be created. I should owe around {$4100.00}. My payments are not going to the principal balance properly. {$50.00} going to the principal balance each month as well as, an estimate of {$200.00} should go to interest. So essentially, an estimate of {$1600.00} should have applied to the principal balance for my  XXXX   XXXX  and  XXXX   XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: SC
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:
As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus XXXX and Experian. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. Experian has said they will not investigate further.

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 2021-04-16
Company: Westlake Services, LLC
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:
For the past two years I have been attempting to remove west lake financial services from my credit report. First date of dispute, XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX. XXXX XXXX XXXX do not report it on my credit but somehow XXXX does. When Ive disputed the account being reported on my XXXX  credit I have informed the agents assisting that it doesnt belong to me. Recently on an urgent attempt I have submitted documentation to support my argument because Im in the process of getting a mortgage. It shouldnt take more than two years to get something removed that doesnt belong to your credit. Current account balance {$16000.00}.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX / XXXX XXXX Date opened XX/XX/2021 Balance $ XXXX Late Dates 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 2022-09-01
Company: Experian Information Solutions Inc.
State: IN
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-09
Company: EQUIFAX, INC.
State: KS
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:
Equifax allowed a cyber security breach that enabled access to 100 % of my personal information and exposed me to the threat of identity theft both now, and at any point in the future. I 'm one of 140 million vulnerable citizens and I demand justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: GA
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 was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.

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 2017-08-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. 

OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. 

The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. 
PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. 

In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act, my rights have violate by the following : 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. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : 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