BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: REVERSE e MORTGAGE LLC Dba CrossPoint Funding
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I started dealing with this Mortgage Lender Owner XXXX from Crosspoint Funding a couple of months ago. He was referred to me and we had several phone conversations in which I gave him all my pertinent information he needs to pre approve me for a mortgage. He said I should have no problem at all getting a pre approval for a mortgage and he needed all my info.. I sent him all my private personal information and waited a month. Numerous times I was asked by his assistant for info that I already sent or for more information for which I complied. There was a it of time in between these requests like a week. When I would inquire he would tell me it looks like a tough case and he may have to use someone else. He said he would speak to another lender and let me know what he thought. I received a notice from XXXX XXXX that he pulled my credit. When I showed dissatisfaction and told him I did not want my credit pulled unless he thought it was definitely going to generate a pre approval and that I told him that on numerous occasions. His reply was " I dont like where this conversation is headed ''. I told him at least 5 times throughout this process, I did not want my credit pulled unless we agreed that it looks like it is a done deal getting approved. 
I waited another month and he said he was too busy to deal with it due to the current circumstances in the country and he was swamped.I expressed my dissaisfaction once again with his communication and follow through and again expressed that this is exactly why I didnt want my credit pulled. He said I verbally agreed. I never ever verbally agreed. 
This has hindered my ability to go somewhere else as they will need to also pull my credit which in turns lowers my credit score AND shows up as too many inquiries. I am very very upset as I have bought many homes in the past and always had to sign before credit was pulled.

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 2017-04-20
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Advertising, marketing or disclosures

Complaint:
Net Spend sent me a card for which I did not apply. This is an actual chipped card, with embossed numbers, and my name on the front. I was under the impression that this practice was illegal, as it made the recipients of these cards easy targets for identity theft. I have never had any contact with Net Spend, and until about  XXXX  minutes ago, when I opened some mail, was completely unaware of their existence. I am appalled that any company would be so reckless. It is negligent on their part to send out a card, to my home, that could so easily be activated by someone other than myself. Their business model is predatory and unethical. They charge consumers a ridiculous amount of fees for using their own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted the credit bureau about the  two  debts that are showing up on my credit report that I have no knowledge of the accounts numerous times. The   XXXX   XXXX   XXXX   and  XXXX   XXXX  account keeps showing up on my credit report after disputing them with the somone over the phone and via the internet. Each time they come back and say the debt is vaild and verified without showing proper proof. When I call and speak to a rep the reps tell me to contact the creditors and have them to remove the debt. I was always under the impression that we are not to contact the original creditor because it violates the FCRA for them to tell me to contact the original 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I made 4 separate payments totaling {$150.00} dollars when combined to a user on Venmo. When I made these payments I checked the option for Venmo 's purchase protection, as these payments were to pay for a service. I did not receive the service for which I paid ; and, the seller refused a refund and blocked all attempts at communications. I therefore submitted a dispute with Venmo to reverse the charges, thinking it would be an easy resolution since I used their purchase protection option. They have, however, failed to provide any resolution and continue to evade my questions about the issue. I can not have my bank reverse the charges due to ACH regulations and the seller has blocked contact, so Venmo is the only one capable of reversing the charges. In short, I made a payment on Venmo and did not receive what I paid for, but Venmo refuses to refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried several times until blue in the face keep telling some company called SENEX collection that I do not owe money for a XXXX debt for emergency services. here is the deal I went to XXXX XXXX for care back in XXXX for my XXXX  XXXX. I had a XXXX  on  the  job  ok workers comp finally paid the bill in XXXX. 
when I registered for care ( XXXX ) I think the months were XX/XX/XXXX? I inform XXXX that I was in pain but could not pay the bill. I had a fall submitted my workmans comp claim XX/XX/XXXX but had not receive a claim number at the time I went in for care. XXXX went on and gave treatment took WC info from then gave me another kind of form from their financial aid services to assist with the bill. 

the bill was paid through XXXX financial aid program. XXXX  gave me a form I completed the form then I had to show proper ID drivers license and social security card then I signed the form and the registration clerk told me that was all I had to do. Who is this company SENEX that continues to phone harass me through this coviv-19 crisis and is not respecting NATIONAL federal law by not even being able to be calling me at home period? here the issue, the lady that called me from SENEX told me that she is prepared to offer me a discount rate? I then told this lady from SENEX collections that why would I pay a bill that has already been paid? 
these people SENEX continues to try to extort money from me for a bill they will not go back and do the history on. The burden of proof is on senex. they keep talking about I owe them I do not! 
All senex have to do is contact XXXX XXXX XXXXinancial aid services department. which is what senex has probably done but got no info so they decided to take the quick route whereas they know there is no trace of this bill being paid through them senex ok so they decided to try to con me out of the money. I have no job right now we were all furloughed back on XXXX why now is this company wanting to try extortion not going to happen. So done with this sexex collection I want this to stop! 

please also do something about all credit bureaus not giving PROPER credit when in fact PROPER credit is due! 
if you look at my current 3 credit reports from XXXX XXXX and XXXX all 3   bureaus are tampering with my credit scores so horrible company called XXXX? Make this XXXX  whatever they are get out of the loop! XXXX  whoever  they  are  ... they need to stop toggling with my credit score ratings. 
HELLO ... THIS IS A BAD TIME TO BE HURTING PEOPLE WITH THIS CREDIT SCORE TAMPERING. I HAVE EXCELLENT ON MY REPORTS for my current 2 accounts that I have open ans is being CHEATED OUT OF A DECENT CREDIT SCORE ON ALL 3 REPORTS I DAMM WELL DESERVE MY CREDIT SCORES TO BE ALL ON THE SAME PAGE! excellent and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted transunion and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.     XXXX /  XXXX   XXXX    XX/XX/XXXX     XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/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 2017-04-21
Company: Financial Corporation of America
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I fell behind on payments but have been as steadily making payments as possible with th exception   XXXX  of 17.  I called for help they were able to offer me none. The calls and messages are unbearable as they were several times a day and even the day after I made a large payment to their corporation  XXXX /17  . I asked on  XXXX /17   that they stop calling me. On  XXXX /17    XXXX  MST and again  XXXX /17    XXXX  MST for some reason the calls have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: GOLDMAN SACHS BANK USA
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm a victim of identity theft. My personal information was stolen. I have filed a police report with XXXX Police Department in TX. Experian Credit Bureau is reporting unauthorized credit inquiries on my credit report. Please remove all unauthorized credit inquires from my Experian credit report. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-06-14
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection listed that is NOT accurate I do not owe XXXX. I was never informed of this collection company trying to collect this debt or I would have disputed this before it was listed on my credit file because it is NOT right. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another  Nissan loan  in my name as a co-signer for my daughter and my husband  has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Almost 2 years ago I co-signed a loan for my son who was working full time. He purchased a car form Honda Financial Services. My son was listed first and I was the co-signer. During Covid XX/XX/2021, my son lost his job and failed to make payments. He deserves to have his credit lowered as a result of not paying, and I mean that. For my part, Honda NEVER reached out to me via phone, email or letter to let me know that my son was behind on his monthly payments of {$330.00}. I found out because a repo guy knocked on our door. I was horrified. I called Honda immediately and made all of my sons back payments + penalties and set up auto draw from my checking to make remaining payments. I should NOT be penalized on my credit. I was NEVER contacted!! I reached out to the reporting agencies and also directly to Honda Financial. The reporting agency said that I should immediately report this to you. Please look at my credit history. I am XXXX XXXX XXXX and have had STELLAR credit from the time i was XXXX XXXX XXXX. Never have I missed a payment on anything, ever. My credit was well into the 800 's. If i had simply gotten 1 call, I would have made good on the shortfall. I have no registered letters from Honda, I have no missed phone calls, and I guarantee that Honda doesnt even have a recorded call that they even connected with me. EVER. I reached out to them to explain both on the phone and by registered mail. I have met resistance every step of the way. This is incredibly unfair and harmful and I would like them to reverse their decision to punish me with a poor credit reporting. My son should absolutely 100 % pay the price for this. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: DC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: National Credit Systems,Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my  XXXX  and  XXXX  please remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My husband and I get calls from D. Scott Carruthers office. They called my husbands employment ( he teaches at a public school ) and when he said to stop calling him, they still called the school district office. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed  XXXX  and we needed to settle for  XXXX . We are in the process of getting legal representation to fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: GVA Holdings, LLC
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
borrowed {$450.00} fro m Northern Plains Funding llc I have made 16 payments of a total of {$130.00} and one of {$67.00} i understand the interest are high and that is why i wanted to  pay it off as soon as possible now they tell in order to pay it all off it is going to be a total of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have talked to a representative about the account that Portfolio Recovery is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

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