BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
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:
Equifax is refusing to remov e two   XXXX   XXXX  accounts from my credit report that were inaccurately reported to my credit.     This time, I went directly to  XXXX   XXXX  themselves and got them to send a me a letter stating that they are NOT reporting these  XXXX  collections to my credit. I am attaching the letter along with this complaint for the CFPB 's review.     The letter is pretty straightforward but Equifax is shutting me down every time saying that regardless of what I say, their reporting is accurate. For months, I have sent several disputes, from written letters to online complaints, and they continue to turn me away.     At this time, I am considering filing a lawsuit against Equifax for hurting my name by illegally reporting these accounts to my credit.  XXXX   XXXX  themselves are stating that they are NOT reporting these  XXXX  collections to my credit.     This is clear evidence to support my statement. Why has it taken Equifax months to address my concern?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the refinance process with Lakeview Loans and XXXX XXXX XXXX since XXXX of 2021. They chased me for months to refinance. I finally responded to the incessant hounding and began the process. Almost 6 month later, I have not even come close to closing. XXXX XXXX XXXX has had my file in some form of review or underwriting but barely communicates with me on it. I have to chase and escalate, only for them to come back and ask for things I have already provided or for more information after having been told previously they have everything they need. I provide everything back quickly and then do not hear from the again and have to chase and chase. This has been months. I have great credit score. I shut down my HELOC for them so we didn't need to go to subordination. I have over plenty of assets and my condo has been evaluated at well above the refinance amount. I have given them everything they need time and again. This is now a situation where I have been held financially XXXX for months and am unable to make any other financial moves in case it may affect my credit. They are unwilling to answer and questions and after months just reassigned my loan without and information. XXXX XXXX and her boss XXXX XXXXXXXX are not responding at all to my questions. The only person who has been decent through this is XXXX XXXX. At this point, I am starting to wonder if this is taking so long and I am under so much scrutiny because I am a single mother. Would it take this long for a married couple or a man? I have been assured by everyone I know that their refinances did not take even half this time and yet I can't seem to move forward at all on mine. This company is not working for the customers at all and are causing me financial hardship.

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 2021-01-19
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made two mortgage payments totaling {$6500.00} that LoanCare has not applied to our account. These are the payments for XX/XX/XXXX and XX/XX/XXXX. 

We have called 12 times trying to correct the issue. They eventually hang up on us when they say they are transferring us to a manager.

We even got XXXX XXXX XXXX on the phone with a LoanCare rep to confirm the payments were processed by them.

We are getting harassing phone calls daily saying we are past due, when LoanCare has our money.

We have spent hours on the phone with them to no avail.

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 2017-04-25
Company: EQUIFAX, INC.
State: AZ
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 have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While XXXX at XXXX XXXX, XXXX XXXX, final dues were never communicated in spite of repeated follow-ups. 
FINAL BILL OF {$440.00} sent by XXXX XXXX XXXX with fines. {$25.00} and {$110.00} late fee on XXXX XX/XX/2019. I denied paying the late fee and agreed to pay the full amount multiple times. Repeated follow-ups and requests for fine removal and settlement yielded no results. 
Collections XXXX finally slapped even more fines and reported {$590.00}. 
They harassed me by calling me multiple times during work while I was inNew York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.

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 2017-04-25
Company: Screening Reports Inc.
State: OH
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 pulled my credit and I seen I had credit inquiries from company 's that I never heard of or never gave permission to pull my credit.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.

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 2018-08-01
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2010 Dr XXXX provided services for my daughter, after insurance paid we owed {$300.00}. Do to financial hard ship we were in able to pay. Now we are being harassed by Collection Services of Nevada for {$450.00} plus {$250.00} plus legal fees for a court order I have never been served with. In the process of trying to buy a home I have been getting all issues taken care of, they refuse to set up a payment arrangement for just the principal amount stating that it is in a judgment, even though I have not been served.

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 2017-04-11
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
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:
XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

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 2021-11-19
Company: EQUIFAX, INC.
State: IL
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX  ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I contacted  Trans Union about  a collection accoun t that was placed on my account in violation of FCRA Section 623. I contested the amount ( s ) owed to the origin al debtor (  XXXX   ). A s a result,  XXXX  admitted on more than  one o ccasion that the amount sought was the direct result of  XXXX  's ongoing practice of allowing ANYONE to make changes to accounts and actions such as allowin g ANYONE enter into lease agreements on cell phone accounts without proof of authorization or account-ho lder signature. The charge is the result of a " lease cancellation fee '' for a lease I NEVER ENTERED INTO nor signed in agreement. I requested proof of the lease agreement to support the charges and  XXXX  acknowledged it had no executed lease ( and even attempted to get me to sig n one a fter-the-fact ).  XXXX  agreement to cease collections of the amount but the collections agent (  XXXX  d/b/a  XXXX   XXXX   ) placed an entry on my account despite knowledge of the ongoing dispute and failure to provide proof to substa ntiate the debt. The negative information should NOT have been allowed on 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 2021-11-19
Company: Great American Finance Co
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On Great America 's finance website, it states my " outstanding '' balance to be balance with interest. ( I had to figure that out myself, it only states outgoing balance ). This is deferred interest but no where does it state deferred interest or principal balance just " outstanding balance '' .They offered me 18 months same as cash. I do not owe interest yet. If I pay the loan off I would never owe. I would think this would be against Fair Credit and Charge Card Disclosure Act of 1988 or truth in lending Act. Since they tact on interest prior to it being due. I also don't see my interest rate listed on my coupon book. As I was about to rebudget my payment plan to include interest when I realized the outstanding balance was incorrect. What this loan company may do is not show the principal balance so people don't know what it is and don't pay it in time so they get the balance plus interest while being able to advertise " same as cash '' loan. This practice is dishonest and deceitful. I called and spoke to 3 different people. The first person when I started to complain about the balance being incorrect told me " don't do this ''. I am very much allowed to complain about your either illegal or shady practice. Another one told me a manager 's manager would be calling me and never did and the third one transferred me to loan dept who had no idea what I was talking about. I am currently calling back to get the manager of the manager to speak with. The rep informed me I was lied to about the " manager '' I spoke to earlier was not a manager. The rep is again telling me what I already know I don't owe interest if I pay off balance. Where do I see that balance? Not on payment book! Not on website! Where is the principal balance so I don't overpay. Finally got the manager who stated it is on the contract only but they never update and list the principal balance anywhere. They do not send out statements. I do not have the contract so I don't know what the interest rate I am trying to avoid is. It is not disclosed on coupon book or account info on website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EGL US, 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:
I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent accounts appearing on 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 non-monetary relief
Consumer complaint received 2021-11-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX  adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple  Card via XXXX XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fr om 3rd party.      I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was return ed. ( See letter from c ompany and attached returned check. ) They (  XXXX   XXXX   ) Informed me they n o longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me as  a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a )  ( b ) ].   Also..   That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA 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
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: MA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation