BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This account has been in dispute with equifax and XXXX came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from equifax so I redisputedit. It came back verified with XXXX. 


Equifax TransUnion Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Education Loan Student Account Status Closed Closed - Transferred Opened Date XXXX, XXXX XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX XXXX XXXX, XXXX Limit -- -- Term -- -- Monthly Payment {$140.00} {$140.00} Responsibility Individual Account. 
Individual Balance {$0.00} {$0.00} Highest Balance {$14000.00} {$14000.00} Payment Status Current Current Worst Payment Status -- Late 120 Days Date of Last Payment -- -- Amount Past Due -- $ XXXX Times 30/60/90 Days Late XXXX/XXXX/XXXX XXXX/XXXX/XXXX Remarks Consumer disputes - reinvestigation in progress Transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The company below posted this collections account to my credit report. The company has never contacted me to dispute. I have a right to receive the debt and be given 30 days to dispute. I was not given a chance to dispute. This dept is not mines also. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview

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 2019-03-01
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCC Business services has called me multiple times. Every time they call I try to make arrangements TO PAY AND RESOLVE the debt. They will gladly setup a payment arrangement but refuse to give me any paper work on the matter. They said if I would make a payment arrangement and pay it on time that it would not go on my credit. When I ask for said paperwork stating those facts they refuse to give to me repeatedly. They say that is not something that they do and that I should take their word. I did a lot of research before dealing with this company and their word does not have a good reputation. Im not providing them with any further information or payment without a written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched Letter dated XX/XX/XXXX XXXX XXXX  USAA Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched 1099- C DEBT DISCHARGED 3 )  XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation USAA MASTERCARD STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) USAA DIFFERENT ACCOUNT NUMBERS???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TD BANK US HOLDING COMPANY
State: IL
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:
Target reported my account 120 days late which is incorrect. I called in to speak with a representative in XXXX to let them know that I was experiencing a financial hardship and would like to request that my payment that was due be placed on the back-end. The representative approved the request and told me that my next payment wouldn't be due until XX/XX/2019. I received a letter around XX/XX/XXXX stating that my account was placed for collections if I didn't make a payment. This was the opposite of what the representative explained to me. I was not or never late on my payments to target and I want those 2 late payments removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Names of people I do not know are on my list of people I know. I do not know a XXXX XXXX, XXXX XXXX or none of the XXXX listed on my report. My inlaws are XXXX and XXXX XXXX. How do I fix? I tried several times with letters and phone calls. This cant be that hard. How was they added?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my third complaint to CFPD regarding this company, PHH Mortgage. My last complaint # is XXXX. To rehash the experience, I have been fighting with them since last XXXX because they assumed my mortgage from my previous company and paid my property tax without my authority, then placed me in an Escrow account I do not want and never asked for. I contacted their Customer Service several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) but I was transferred from representative to representative and promised that I would be called back and never was. Finally, they sent me a letter in XXXX that said I qualified to be removed from the Escrow account. By that time I had already made several escrow payments and asked for an updated amount to pay off. They took their time sending me amounts owed, but by the time I'd received those amounts I'd already paid into the Escrow account again, so I'd ask for any updated amount. They do not communicate via emails, only thru regular mail or fax, which means their responses are always behind. 
Long story short, I received a letter from them on XX/XX/XXXX, dated XX/XX/XXXX, that said, " ... your request to remove the escrow of your property tax and/or hazard insurance from your load was denied because the following requirement has not been satisfied : You must not have been 30 or more days late in making any of your monthly payments. '' This is an outright lie. I have not had a late payment in years. YEARS. And I definitely did not have one the year prior to them taking over my mortgage, nor did I have one after they assumed my mortgage, and I definitely did not have one between the XXXX letter, when they offered to remove the escrow account and XX/XX/XXXX, when they sent this last letter. I have years of confirmation numbers to prove my payments have not been 30 days late and my credit score has done nothing but go up in the last several years. This is an outright lie they are using fraudulently to keep me in this escrow account. 
PHH Mortgage assumed my mortgage. I did not refinance with them. Shouldn't they be required to honor the mortgage contract they assumed which did not require me to have an escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
When my vehicle was purchased it was explained we had a 10 day grace period to make a payment. I do not receive a monthly statement and even the online portal shows nothing about payments or fees. However, after a lot of searching found out the company has no grace period and we have been charged an unspecified amount in late fees. I have XXXX clue how much of my balance is even fees due to a lack of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I disputed this charge with XXXX and PayPal. As I detailed in my complaint PayPal allowed XXXX XXXX to charge me for a trial that I had zero recollection of ever requesting a trial. I never used the XXXX service. I explained to XXXX, PayPal, and XXXX if I was on a trial I would have used this service. The representatives I spoke with agreed that it was not used and that you should not be charged for something you did not use. I discovered that I had this charge when reviewing my statement. I'm being charged for a service I never used and because of some technicality or unfair glitch it is unreasonable and stands on the border of unethical billing practice. Further PayPal has just dismissed me and refuses to acknowledge me. The arbitration clause has given way to disrespectful representatives and an over all lack of concern for the consumer. Pleas see details times, dates, etc! 
- negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Loading transaction details for XXXX XXXX - negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
Manage XXXX XXXX payments Category Software Transaction ID XXXX Seller info XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase details XXXX XXXX XXXX XXXX XXXX   {$99.00} Total {$99.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In the economic downturn of XXXX I had a severe reduction in income, which put me in a position where I could not meet all of my regular obligations at once. I reached out to every creditor to make arrangements to either arrange for a settlement with my tax refund in XXXX, or to imporive my terms. Inexplicably, my balance with XXXX bank ballooned by a factor of over XXXX % without me adding any charges at all in a period of a couple of months. I was at an impasse with XXXX and they threatened to sue and they did. I requested statement documenting the obligation that XXXX claimed that I owed and having received the documentation I was prepared to defend myself in court. To my great disappointment and disillusionment with the fairness of the PA court system, XXXX asked for a summary judgement and received it without my ability to simply present the facts to a judge. Recognizing that my cause for fairness and justice was lost, I contacted the attorney for XXXX and asked that I be permitted to simply pay what I owed and nothing more, as that was the fairest resolution I could possibly hope for and the attorney agreed to accept a fair settlement of the bill. To the credit of the attorney for XXXX, they agreed to drop the matter legally, I and I chose not to appeal. Retaining this judgement on my credit report is a continual misrepresentation of the matter, and it should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken sent out a loan estimate to me and then took it back and gave me a higher rate with no proof or change in circumstance for why it changed. 

My loan estimate was for 2.75 % at 25 years and a loan balance of {$140000.00}. 

Once I agreed and asked about a rate lock, they tried to take back the estimate provided. They are now stating I need special approval just to get 2.99 % at 25 years and a loan balance of {$140000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I purchased a new product through Paypal. The product arrived opened and missing pieces. I requested a refund and opened a dispute with Paypal. Paypal alleges emails were sent and not responded to and therefore closed my claim. Within days when the claim appeared closed on my Paypal account, I contacted Paypal again who provided dates that messages were sent by email ; however, after reviewing my inbox and junk folder, I verified that I never received the alleged emails. Paypal then refused to provide copies. 

Although Paypal also maintains its own message center, these alleged emails were not copied to that message center and these communications also do not appear in Paypal 's own resolution center console. 

Obviously I can not respond to communications that are never sent. Paypal violated its own customer agreements and in effect, stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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:
I ask XXXX to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I COULD NOT PAY MY PAYMENTS DO TO SOME MEDICAL ISSUES I HAD. BUT I AM NOW UP TO DATE ON MY PAYMENTS BUT THEY ARE SAYING I OWE RETURN CHECK FEES I NEVER MADE ANY PAYMENTS DURING THIS TIME SO I DO NOT KNOW HOW I CAN OWE RETURN CHECK FEES NEVER MADE PAYMENT UNTIL LAST MONTH THEN MADE XXXX PAYMENTS TO GET UP TO DATE AND THEY ALL WENT THROUGH. SHOULD NOT HAVE ANY RETURN CHECK FEES

Company response to consumer: Closed with explanation