BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX  ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.

I demand that they reply to my letter and that I will pay my own taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted XXXX/XXXX/2016 on my cell phone by a XXXX XXXX stating he was employed by XXXX XXXX Attorney at Law, he said this was concerning a XXXX County, Texas case XXXX and if I did not give him my sons information a XXXX County Sheriff would be dispatched to his home. When I said whose home his said your son 's. It was then that I realized this was not a real situation, I was terrified at first. I told this person I was not discussing this with him further and he became agitated, stating I had not raised my son properly and that is when I hung up. Today, my husband received the same kind of call at our residence. He hung up. I called the number provide by this XXXX and told him to stop harassing me and to remove my cell and home number. He was as ugly as before and he hung up on me. I researched online and saw this is a collection agency called ARA Inc. out of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously notified Transunion that I am a victim of identity theft

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 2021-03-03
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX debt colkector on behalf of XXXX lending called 2 of my cousins and said if i didnt call them they were going to have the sherriffs come XXXX me and i was in serious trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A student Loan from a company called XXXX appeared on my credit report. This does not belong to me and i don't have any association with that company.

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 2016-08-23
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from ARA, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, at my father 's address which I do not live there and have not lived there since I was XXXX yrs. old. Also, it is mailed to a name that I have not been legally under for over 10Yrs. 
This is debt is over 20 Yrs old and was written off/ charged off and the balance that they are trying to collect is completely fabricated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit agency put wrong information on my credit report I never had XXXX. I called and wrote letters but they still have not removed information from 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 2021-03-03
Company: HYUNDAI CAPITAL AMERICA
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2016-08-09
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I live in XXXX and was sold a vehicle by a XXXX dealership located in XXXX XXXX XXXX XXXX and XXXX, the transaction was done via the telephone, internet and mail. The vehicle was financed by Ford Credit on XXXX/XXXX/2016 in the sum of {$36000.00} at 0.00 % interest for 60 months. The issue that I have is that the vehicle I was sold is not certified to be sold in XXXX which has special emission control requirements for vehicles. Seeing that the vehicle that was sold to me is not a XXXX emission control device vehicle. The vehicle may be a XXXX XXXX XXXX emission control vehicle, but is not XXXX emission certified. Due to the reasons stated above I can not register XXXX drive, insure or license the vehicle in XXXX. This is the reason that I have refused to accept delivery of the vehicle from the selling dealer. I feel that Ford Credit should have advised me that the vehicle could not be used in the State of XXXX as should have the dealership. I feel it is a shared responsibility of the dealer as it is the leading institute to protect a consumer. I have contacted Ford Credit, the selling dealer as well as Ford Motor Company. As of this date I have not received any sort of satisfaction. I have been told by Ford Credit that I am obligated to the contract and MUST make payments. I have been told by Ford Credit they have nothing to do with how a dealer does business, Ford Motor Company has told me they do not interfere between a dealer and a customer. I have filed complaints with the XXXX Office, XXXX, with Ford Credit and Ford Motor Company plus XXXX XXXX XXXX XXXX. I also have several other concerns about the validity of the contract itself. The sales contract was drawn up on a blank XXXX Vehicle Retail Installment Contract. I am certain that this contract is missing verbiage that has to do with California residences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
addition to complaint XXXX. 
I have XXXX viable candidates to take over the truck lease I was left with through my boyfriends death. It was a joint lease. He has passed. leaving me. Again ... XXXX people from XXXX called me but refused to give their last names or ID # or any way for me to designate who I spoke to other than " XXXX '' and " XXXX. '' They still will not provide me with the paper work my boyfriends started to remove me from the lease, they act as if it doesn ' t exist. and if it does n't that 's fine, they should n't tie my hands then by acting like XXXX is the only account holder who can transact anything, because XXXX is deceased. they will not change the address to my new address, even though this was a joint lease. so they are mailing paper work to what they know is a wrong address. they 're looking to me to pay and as their only remaining leasor, but they act as though XXXX ( XXXX ) was the only one on the lease and I have no authority to even update where the bills or correspondence go. further, they want anyone he was related to ( parents children spouses ) to sign on this 'for him. ' It was a joint lease. he is gone. I am the one left. I have someone to take this over, but they 're requiring what I find to be unlawful paperwork. if you have a joint account with someone and one person passes, it is left to the remaining person. I am going to lose this interest buyer and I can not afford this truck on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: NC
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:
This account XXXX has been closed since XXXX so why am I still getting late payment for the year XXXX and XXXX. The account has been closed. The company also credit my credit report every month with Experian.

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 2021-03-04
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Rocket mortgage and got pre approval for a loan up to $ XXXX. Talked to XXXX XXXX XXXX XXXX XXXX XXXX Call or Text ( XXXX ) XXXX Email : XXXX XXXX : ( XXXX ) XXXX NMLS : XXXX, and was informed that because i was in active chapter XXXX bankruptcy that they could not approve me for a loan, even though i can get a letter from the trustee. I can get a FHA loan. But they refuse to help qith my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had XXXX OR 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 2021-03-04
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Paypal Holdings, Inc
State: KY
Product: Credit card
Issue: Other

Complaint:
My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I applied for my free credit report on XXXX/XXXX/2016 from XXXX, XXXX, and TransUnion, but I only received a report from XXXX. I applied on line and have not yet received an XXXX or a TransUnion 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 non-monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GLA collections is trying to collect a debt through vip imagining llc that is not mine. I have sent them the police report and the FTC paperwork several times. I am a victim of identity theft and this account does not belong to me. I have no clue what it is even for

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 2021-03-04
Company: Santander Consumer USA Holdings Inc.
State: DC
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. 

I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. 

Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. 

From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. 

I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Lendmark Financial Services
State: DC
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation