BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my account off to IQ Data international XX/XX/21 for the balance of {$670.00}. The company marked my payment late as XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a XXXX XXXX XXXX financed through Bridgecrest. I traded the car in on XX/XX/XXXX. There was a delay with the dealer, so they received the payoff XX/XX/XXXX. At that time I was told the payoff was short {$83.00} and Bridgecrest applied that payment on XX/XX/XXXX, 2021.To this day ( XX/XX/XXXX ) the majority of the payoff has still not been applied and they are now seeking to repossess that vehicle. They are also reporting negatively to my credit bureau. I have called 16 times, 8 of which I was promised this would be forwarded to a manager. I have been told by several employees they can see when the payment was received and can not tell me why it is not being applied.

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 2021-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XX/XX/XXXX I called Chas Bank concerning my debit card/ID told them my information had been compromised. The representative said the XXXX wallet could not be used since I don't have any XXXX products. An email/text was sent to me informing me that I had added my debit card to a XXXX wallet . The Chase rep said I did not need to worry about transactions from my account since my debit card was now cancelled and a new card was being shipped to me. However on XX/XX/XXXX, {$1000.00} was taken from my account and sent to XXXX to buy crypto. Again the representative from Chase told me a claim was being made for me because of the fraudulent transactions. She also said I should expect a credit to my account within 10 days. I did not receive a claim notification in email verifying that I had spoken to Chase and the claim was being processed. However on XX/XX/XXXX, transactions totals of {$1000.00} was taken from account from XXXX. Total missing from my account {$2000.00}. That same day I went into a bank branch. The manager closed/froze my original account and created a new account for me to access. 
The next morning I received a letter from Chase saying no action would be taken ( I did not agree to this ) and that my inquiry is resolved. My claim is not resolved, they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was denied for an auto loan from my credit union XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX Transunion XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.

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 2021-10-01
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 an 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 2020-04-08
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX XXXX {$5200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}

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 2015-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: NJ
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 contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-03-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Have sent several letter to ALL XXXX credit bureau trying to get down to the facts of there investigation process. They have not responded back to me at all. EQUIFAX , XXXX continue to report third party information. Collection agency buying debt for penny on the dollar have no binding contract with me or any one else for that matter. I would like immediate resolution removing all the fraudulently negative accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Portfolio America Asset Management, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the company debt collector, portfolio recovery associates XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt XXXX XXXX replied it was fraud, portfolio keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from XXXX XXXX showing it was fraud, portfolio continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email

Company response to consumer: Untimely response
Consumer complaint received 2021-10-01
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in the forbearance due to covid 19. Since coming out of it, we have been trying to get a mortgage modification with no success. We received a response to our loss mitigation application on XX/XX/21. On XX/XX/21 within the 14 days allowed, we asked for more information on how the decision was reached. Today, XX/XX/21 while our formal loss mitigation denial appeal is being processed, Mr. Cooper scheduled a sale date of XX/XX/21. I believe that this sale should be cancelled until such time as we can review the requested information and make an informed decision. 

We should have a right to see and investigate how the decision was made to deny us before a foreclosure sale is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.

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 2021-10-01
Company: MORTGAGE CENTER, LC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender Mortgage Center was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the Mortgage Center the account continues to report incorrectly on my XXXX credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My XXXX  year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the XXXX mortgage was with the Mortgage XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal treats their customers horribly! 
I have had a PayPal account for 21 years, since XX/XX/XXXX. In XX/XX/XXXX I was notified that my account was suspended, and all my funds frozen for 180 days, according to PayPal, due to Acceptable Use Policy violation, whatever that means. At that time, I was informed that at the end of 180 days I would get instructions on how to transfer my money out of PayPal. I have filed a complaint with Consumer Financial Protection Bureau, to which PayPal has responded : PayPal will make any remaining funds available to me for withdrawal on or before XX/XX/XXXX, and PayPal will notify me of this via email. 
I logged in to my PayPal account on XX/XX/XXXX and found my balance ( {$270.00} ) was withdrawn by PayPal to zero, due to damages caused by Acceptable Use Policy violation damages. What damages?! I called PayPal and after a significant wait was promptly told by a representative that there was nothing she could do and when I requested to speak to her manager, she told me that the manager would tell me the same thing. When I insisted, she placed me on hold and never came back on the phone. I hung up after about 45 minutes of waiting. Customer service at PayPal is non-existent. 
The bottom line is that PayPal broke their promise and without notification or any legal judgement, PayPal has confiscated all my money. There was never any explanation on what the damages were, I was being charged for. After extensive research, it became apparent that PayPal has been using its policies to justify illegal and fraudulent practices of stealing money from its customers. A reasonable person may see when a breach of user policy may be used to prevent someone from using their service, but to take someones property without a court order or any legal process constitutes theft in any civilized society. No person in their right mind would knowingly do business with PayPal under these circumstances. There are thousands of complaints against PayPal and several class actions suits. What they are doing is wrong and should punishable by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

Company response to consumer: Closed with explanation