BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the wrong person

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Company Inquiries : 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 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 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 explanation
Consumer complaint received 2020-01-05
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I already have an American Express " Everyday '' card. It doesn't have any annual fees. I received an offer to upgrade to the Gold Card. It has a XXXX dollar annual fee. I was concerned about this so I asked if I could change my mind and cancel and they said you can. I asked them to make clear this would 1. upgrade my card and 2. if I downgraded I would get that money back AND have no credit score penalties. I was also told I would be able to use the card ( number ) right away, as in before the physical card arrived. I said sure!

First thing I learned, is it's not an upgrade, it's a brand new card and account number. Second thing I learned I will NOT be able to use the number right away and today XX/XX/2019, I am being told I won't even be able to use it until I talk to someone on the phone tomorrow XX/XX/2019. 

That part doesn't really matter as much, the fact that it's a separate card/account was hugely misleading and fully would've stopped me from getting this card. Furthermore, the gold card, can't even be downgraded to the other card, it can only be downgraded to the Amex " XXXX XXXX ''. So no matter what I now have TWO creddit card/accounts with American Express. They also previously told me I could downgrade without hurting my credit score, and now I imagine, the only thing I can do is CLOSE the account which WILL hurt my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my mortgage went into mediation ( foeclosure ) through the court and was deemed to give a loan modification. The bank, Ditech, still has not given me one. It was due XXXX XXXX. that was pushed to XXXX XXXX, and here is, XXXX XXXX, still no loan modification. Ditech still blows up my phone, but what, wont contact my lawyer? I do n't respond to these phone calls. Ditech also tried bypassing my lawyer by sending me a false loan modification without my lawyer viewing it first. Plus back escrow $ $ are still incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TN
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:
Experian, XXXX, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

Experian in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXXXXXX XXXX account number XXXX. 

Experian is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/2016 PayPal credit opened an account in my name without my consent. A charge of {$190.00} was added to the account. It may have been opened it in an outright fraudulent manner ( as in the XXXX scandal ). Its also possible that it was done deceptively in the on-line " check-out '' or " pay with Pay Pal '' process of an on-line purchase. i.e., it was set-up where the purchaser would have had to " opt-out '' of opening a PayPal credit account in the course of submitting a payment. In any XXXX, I DID NOT wish to open a credit account with Pay Pal. More payments which I thought were being made using traditional " Pay Pal '' continued to charged instead with " Pay Pal Credit. '' {$180.00} was made on the account on XX/XX/2016. Other charges were made in XX/XX/XXXX, mainly several payments to XXXX. I received no bills or notification by mail or even by email until XX/XX/2016 when I was suddenly notified that I had an overdue balance which had accrued interest and a service charge of {$25.00}. When I was finally able to contact them via phone on I was told that the service charge would be credited to my account. It was not. Under duress and fearing for my credit rating, and to avoid the time and headache of a dispute, On XX/XX/2016 I paid the balance and the interest charges which totaled {$420.00}. I was told that the account ( which I had never opened ) was closed and that there was a zero balance. However I continue to receive notices of an outstanding balance and interest charges accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXl has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: MedShield, Inc.
State: IN
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:
I am currently trying to close on a house and was advised that I had 2 medical bills on the reporting agencies from 2012 by the amounts of XXXX and XXXX from XXXX XXXX XXXX. I was told it was sold to a Med Shield Incorporated. This debt beyond the 7 years limit and needs to be removed. They are still reporting it as if it is a new debt. I requested it be removed and they are not willing to do so nor give me further information to resolve it. They were rude to my financial advisor when they called with me on the line to get further information about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
Portfolio Recovery has been continually calling me daily, everyday, from multiple phone numbers. They report that they are looking to speak to an individual who is not me. I have continually informed them that I am not that person and that they have the incorrect number. I have asked them to stop contacting me, yet the calls continue. They use new phone numbers if i attempt to block their calls. 

I do not owe these people a debt, they keep calling asking for an individual who is not me. And despite being informed that they have the wrong number, they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Risecredit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had been borrowing money since XXXX and was aware that the interest was like XXXX but I borrowed and accepted it so I paid. Last XX/XX/XXXX my mom had a XXXX XXXX and sad to say I had to borrow again despite a promise to myself not be rob again with a consent. Payment has been debited to my account struggling until the pandemic came. I called every credit card and to the other companies I have loans and made arrangements and successfully they were able to accommodate me and was kind enough to follow what the government was saying regarding postponement except RiseCredit. RiseCredit if I remember mentioned having a {$10.00} interest but did not understand that it was daily until I was told by XXXX ( Customer representative ) today XX/XX/XXXX in the evening. She said that I agreed during my conversation last XXXX. I did not understand what was the conversation regarding charging me daily because attached if I am still paying the same amount every two weeks I will not ask for a favor during the pandemic difficulty. I am very sad and furious that I borrowed {$4000.00} and after 9 payments it is even increasing. I need money because I am financially drained. I do not understand all the math that person has been telling me last XXXX but whatever the case maybe it is very unfair to do this to someone who already has a hardship with money. I feel like I am going to kill myself for company like them. Please help me stop this to victimize another people who need help desperately. When you need help and they tell you a lot of things and you are already in trouble yo9u would say yes even if you did not understand. they should not be tolerated to operate this way changing 4, 000 % interest and what they say is " You agreed ''!!! I hope you can help me. If this organization can't help me I will seek a lawyer or won't stop until they are being stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX XXXX I received a refund from XXXX XXXX XXXX. The refund deposit showed up but nothing in my balance. I do n't have access to the money. 

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. I 'm filing a separate complaint for this. 

PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from one US location to another. However, ALL the customer contact is overseas which makes me think this might be International

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: United PanAm Financial Corp.
State: TN
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 tried for several years to remove these accounts that do not belong to me from my report. 

The first account is XXXX - I have no idea what this. Its has been on my report since 2019. 
The second account is XXXX XXXXXXXX XXXX. It has also been on my account since 2019. 
The third account is United Auto Credit. It has been on my report for 5 years! 

This false information on my report is stopping me from buying and house and getting other loans that would greatly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 XXXXXXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation