BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: ADP, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Since XX/XX/2019 I have been going back and forth with the credit card company ( global cash card ) because I called them and I told them I wanted to get my tax refunds loaded to my card I already filed and I had put that information down on my taxes. well they tell me that I have to send them a copy of my ID ( drivers license and my social security card so I do that and then I called back the following day because they told me it only takes 24 hours and now they are telling me that they're denying my case because my ID has my married name and my social security card my has my maiden name. well on XX/XX/XXXX I had went to Social Security office and got my name legally changed and I had to wait for it in the mail an when I was on the phone with them i told them it could take up to 2 weeks before I can give you my updated social security card because i was waiting for it to come in the mail. Now i recieved my card 3 days ago and i called them when i recieved it an they made me send them a pic of my new card with the updated info on it plus the paper from ss stating i did change my name. Now when i call to get a update they tell me i have to resend my information again ive sent them my info at least 10 plus times an they wont fix my account to where my refund can be direct deposited. An when i call now they say nothings been updated an hang up on me everytime now. Im scared i wont get my refund because they keep ignoring me an wont fix my 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 2015-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

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 2019-12-30
Company: Experian Information Solutions Inc.
State: GA
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:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in XXXX XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. 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, Experian 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 

I also have a Ftc Report and a police 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 2022-07-25
Company: EQUIFAX, 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:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit fouXXXX signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-07-25
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:
In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.

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 2017-05-17
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Supposedly I received a loan from  XXXX  that went to a bank account that my husband, who was an   XXXX   military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a   XXXX   XXXX   open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day  1 the  loan payments came back as NSF but that account had already been closed.   I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with  XXXX  just to get these debt  collectors  off my credit report but somehow they responded. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account. XXXX XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX has violated my rights. 

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 a account without my written instructions

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 2016-06-12
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a XXXX back in XXXX XXXX from XXXX XXXX XXXX. This machine was put down under my medical insurance. In order to pick-up the machine, I had to give a bank account number and routing number and I was told that if my insurance did not pay for the machine I could be automatically charged thousands of dollars. 

I have been in contact with XXXX very frequently to find out if payment had been made on my XXXX by my health insurance. Often times no one answers the telephone at XXXX and I frequently had to leave a voicemail, or my wife did who has also been in contact with XXXX. I repeated game of " phone tag '' has essentially been going on for many months. Whenever we have been able to get in contact with a XXXX representative, no one can verify any information about what my health insurance has paid on XXXX and if anything is left owing. 

I started receiving a bill a few months ago for the amount of approximately {$130.00} that had duplicate charges on the bill for the same type of equipment ( e.g. mask ). I have been making payments towards this bill every single month. This month ( XX/XX/XXXX ) whenever we logged in to make another payment on this account it said there was a " XXXX balance. '' I had left several messages about having duplicate charges on the bill that was previously viewable online/digitally. 

My wife called again and again had to leave a voice message because no one answers at XXXX typically just to indeed verify that nothing was owed and that the account was at a XXXX balance. My insurance company had initially told me that this XXXX would be covered at XXXX % so receiving any type of bill from XXXX needed to be explained, but now receiving a bill or viewing the account online was showing that nothing was owed. 

My wife and I called XXXX and left a message and someone returned our phone call and left a message stating that the account was at a XXXX balance and they were indeed going to verify with the insurance that the XXXX was paid at XXXX % and they would be getting back with me. 

This morning I received a bill from a debt collector on behalf of XXXX XXXX in the amount of {$68.00}. I have been in constant contact with XXXX and making payments on the bill that I was receiving every month even with the duplicate charges. Every time we call XXXX, no one has been able to verify what was owed on anything. I just spoke with someone XXXX days ago who told me nothing else was owed on the machine, but now I have a bill from a debt collector on behalf of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Worth Finance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX US DEPT ED - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX - Account Number XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed

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 2019-12-30
Company: EQUIFAX, INC.
State: IN
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:
While serving oversees my idenity was compromised. During this time a credit car was opened in my name with XXXX. I demand that this item is immediately removed from my credit file, or I will seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Other

Complaint:
Over the past six months I have been experiencing issues with my PayPal Extras MasterCard. XXXX XXXX is the lender on the card, and PayPal runs the e-platform on their website where I am supposed to be able to view my PayPal XXXX XXXX account. The problem seems to be an issue between XXXX Bank and PayPal, but both companies are refusing to contact each other and work together to solve the problem. At this point there is nothing I can do to fix the problem because the issue is that PayPal has my account listed as cancelled, and XXXX XXXX has an account open for me but I have no way to view the information online. Other than paying my bill, all other activity must be done online, which includes redeeming rewards points that I have now lost over XXXX because of points expiring, however over the past 6 months I was unable to use them due to the errors of the XXXX companies attached to the account. At this point I have called twice to three times a month since XX/XX/XXXX, and I spent 3 hours on the phone today with both companies until I was redirected to the initial automated answering service you get when one calls customer service. 

At this point I do not know what to do, or if I should even be paying my bill when one company attached to the card, which is the company directly associated with the card, tells me that the account is no longer active. Yet, I still can use the card, can not access my points, and still pay a bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am seeking mortgage interest information from XXXX for the years XXXX and XXXX. I have tried for over a month to find the correct contact information. This information is needed for me to refile my federal tax forms for XXXX and XXXX. I would also like to have a payment history for those two years regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I would like to report a complaint against Convergent Outsourcing for not following with their promise to remove a collection item from XXXX  and or all Credit Reports. 

This account was paid in full on XXXX of XXXX in the amount of {$260.00}, before processing the payment of the entire balance. Myself and Convergent Outsourcing had agreed that once the account was paid in full, Convergent Outsourcing will then remove the collection items from all credit reports : XXXX, XXXX  and XXXX. 

The collection item was successfully removed from XXXX  and XXXX  around XXXX, XXXX & XXXX of XXXX. However the collection item is still present on XXXX. 

I have reached out to Convergent Outsourcing multiples and spoken to several employees that have promised me the removal of this item. I have been calling Convergent Outsourcing consistently since the XXXX of this year and have followed up every month checking in for an update. 

I lastly spoke with them on XX/XX/XXXX and they promised me that this situation was going to be resolved and the removal of the collection item, which is hurting my credit score. Today I received an update from XXXX  regarding my dispute of this item without any success. As you can imagine, I am simply looking to get this matter resolved and the removal of the collection item as agreed with Convergent Outsourcing.

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