BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: CREDIGY USA CORP.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationwide Biweekly Administration. 

I signed up for the service and paid an enrollment fee of {$990.00} only to find out that after two months of enrollment the program claimed to have lost their bank and my account was suspended. I believe this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-05-20
Company: I.C. System, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.

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 2016-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These account are still on my credit report was deleted last month. I have attached enough paperwork from my fraud alert and have sent them my paperwork. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$390.00} written off. {$390.00} past due as of XXXX 2016. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$460.00} written off. {$460.00} past due as of XXXX 2016. 
I also have a lot of inquiries I did n't authorize that are on there and are attached on letter enclosed. 

These are not my account an was used for fraud. And should be deleted. 

XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX BANK DELAWARE Account Number : XXXX .... Outcome : XXXX XXXX : XXXX XXXX, 2016

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 2015-06-15
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my first bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past XXXX ( XXXX ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each one closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a XXXX ( XXXX ) year old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.

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 2015-10-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank Of America closed my checking accounts ( both personal and business ) that I have had with them for the past 18 years without warning or explanation on XX/XX/2022. I think it is important for you to know immediately that I am someone who has never paid a single bill late in my life, does not ever have an overdrawn account, never bounces a check, never has a {$0.00} balance. I am a financially sound person and a valuable member of my community. Additionally, I was a Bank Of America XXXX XXXX XXXX XXXX, which only makes this more difficult to understand. Bank Of America did not notify me prior to doing this. I learned of the closure upon receiving emails the morning of XX/XX/2022 stating my accounts had dropped below {$100.00}. I then signed into my online banking and discovered that all my accounts had a balance of {$0.00}. I thought I had been robbed. I immediately called the bank and they informed me they had decided to close my accounts and additionally had withdrawn all of my money and would be mailing checks to me in 7-10 business days. I had XXXX checking accounts with Bank of America with a total balance of {$13000.00} on XX/XX/2022. I have spoken with customer service multiple times on the phone and went to the bank in person and they refuse to give me a reason beyond this being a " business decision. '' I find that to be an unacceptable answer and have tried to demand any shred of a real reason they can provide but they refuse to do anything other than say repeatedly that this was a " business decision. '' Having my bank of XXXX  years suddenly leave me with {$0.00}, without notice, and without a valid reason is causing me an enormous amount of pain, suffering, XXXX  and costing me valuable time which in my case equates to money. I find Bank Of America 's behavior to be extraordinarily unethical and beyond that, dangerous. If there is a derogatory mark on my record that caused them to make this decision, it must be due to fraud or identity theft, and therefore I would think my bank of XXXX years would be morally obligated to let me know so I could fix the problem and protect myself from this happening in the future.

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 2017-02-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
A mortgage person at Guild Mortgage advised us that our credit was perfect, our income was perfect, all we had to do was sell our home and we 'd be set to purchase the new home. The new home was a converted school house zoned " Rural Residential ''. We 've sold our home in XXXX, was advised we 'd close in XXXX, however after we were coerced into paying {$3200.00} for a " commercial ' appraisal, which shows the value to be above asking, we were advised that underwriting did n't accept our collateral. No reasons why, no further communication, nothing. I 've called their corporate office, spoke with senior managers etc. My wife and I have been paying {$4800.00} per month to live in a hotel since XXXX XXXX, 2015. We 've received XXXX customer service from Guild. We want to be reimbursed for the {$3200.00} appraisal, and {$4800.00} x the two months we 've been living in the hotel, under the guise that everything was okay and were going to be able to purchase the property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25
Company: Exeter Finance Corp.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto repossession on XXXX from Exeter Finance Corp due to my illness with XXXX XXXX. Exeter sold the account to XXXX XXXX XXXX. When I had my credit report pulled XXXX XXXX is reporting the date placed for collection as XXXX/XXXX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and XXXX did not update the " date placed for collection '' which was in XXXX. I need this updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
PayPal Credit ( dba BillMeLater ) refuses to post refund from XXXX to my account in a timely manner, claiming it take XXXX weeks to process. They further refuse to provide on-line access so that I can check on the status without using their call centers. They are continuing to apply late fees and interest to an item that was refunded and close the account. I believe that this company is engaged in deceptive and fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: SC
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:
XXXX, Equifax and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX, XXXX and TransUnion deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. 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 2016-06-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : 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 XXXXXX/XX/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