BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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:
I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We moved in XXXX of 2014 to XXXX from XXXX. XXXX transferred services to our new home which created a new account number. The bill from the XXXX account was never sent to new home address. We became delinquent on the old account without knowing it. We finally received notification of delinquency this month and have paid the balance in full. We are requesting to have the delinquency removed since it we were not receiving bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing 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 can not 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 matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called all  XXXX  credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.

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 2022-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal is refusing to close my account in violation of its terms of service. 

From https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full " By continuing to use our services after any changes to this user agreement or any of the other applicable terms, agreements, or policies, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account. '' PayPal has changed its policy to fine {$2500.00} its customers for doing business with people PayPal unilaterally decides to be spreading " misinformation. '' I do not agree with this change. Therefore, I am entitled to immediately close my account without any conditions as per the PayPal terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Below is information this is INCORRECT on my credit report. When I first moved back to FL XX/XX/XXXX I had signed up for XXXX XXXX for my TV, Phone and Internet. After having their HORRIFIC services for ONE week I called and cancelled, and asked that they come and REMOVE ALL THEIR EQUIPMENT, which they DID DO!!! However, they have harassed me for 4 YEARS about this so-called balance WHICH I DO NOT HAVE w/ them. I 've called, written & emailed them, as well as the Collection agency, but to NO AVAIL. I OWE XXXX {$0.00}, NEVER HAVE AND STILL DO NOT!!! The details of this ERRONEOUS REPORT are below. Please advise. 
Thank you. 
Last Reported XX/XX/XXXXCollection Agency XXXX Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Halsted Financial Services, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: NJ
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-01-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: MD
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Receivable Management has applied a debt owed on my Credit Report. I have ask for verification, Validation and not bill. On XX/XX/2020 they have notified me stating they will remove the debt from my Credit Report. The reference # XXXX, Im requesting this go effect immediately, because it is damaging 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 2017-07-25
Company: Nelnet, Inc.
State: KY
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:
They have incorrectly pl aced two m issed payment on each  Nelnet account for a total of 18 mis  sed payments on all  XXXX  credit reporting agencies.. I wa s never late, my account was placed in forbearance  in  XX/XX/XXXX .. and th ey have me down for late payments after that. They need to be deleted and removed from my credit because it has significantly hurt it.. I have attached the proof as well.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX, XXXX, and Experian have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.

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 2016-03-07
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. Please help.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have contacted the collection agency XXXX and paid for deletion. This account is still being reported as open, with a balance. I have submitted proof of payment along with a dispute for inaccurate reporting. Next will be litigation, if not resolved in a timely fashion.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 explanation
Consumer complaint received 2016-06-23
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
Hi, Thank you in advance for your help. We paid on our credit card balance of {$240.00} a " cash reward '' of {$200.00}. This {$200.00} reward was earned and was correctly credited for that month. However, American Express charged us a {$20.00} fee because we did not make the " minimum payment '' of {$35.00}. We talked to an agent on the phone, and they said they could not remove the fee. ( While this is not a lot of money, I am thinking of other folks who are charged fees in this incorrect or at least misleading manner. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I submitted a payment to American Express ( AMEX ) on or about ( OOA ) XXXX XXXX 2016 for {$840.00}. 
I received a bill XX/XX/2016 for & XXXX which included {$27.00} in late fees and {$12.00} ( {$39.00} total ) in interest from AMEX. 
OOA XX/XX/XXXX-XX/XX/XXXX I contacted AMEX and complained. I was informed I should 1. Pay my bill on time 2. Read the fine print in the contract. I asked for a Supervisor. 
I informed AMEX I wanted the account cancelled and a total for a final amount so I could pay it. At that time I was told the final amount was {$740.00}. I specifically asked if there are any additional " hidden fees AMEX is going to attempt to XXXX me on ... ''. I was told " NO '' the total is {$740.00} as there were pending charges made by me on the card.. 
On a Sunday XX/XX/XXXX or XXXX XXXX 2016 a AMEX Supervisor ( XXXX ) called me back and explained I was treated rudely and that is not how AMEX operated. I was told the payment in question was logged as being received XX/XX/XXXX and credited on XXXX XXXX ( 2 days after the billing cycle closed. XXXX said she would wave the late fee because of my " excellent payment record ''. She never removed the interest ( {$12.00} ). 
Subsequent to the above events, I received statements online saying my account was closed and that I had a {$0.00} balance. 
The week of XXXX XXXX I received an AMEX statement saying I owed {$3.00} in interest. I called and spoke to ( XXXX ). He said the {$3.00} was an interest charge. I explained the account is closed and I had AMEX tell me the total last month my final total for the account. I asked for a Supervisor and was given to " XXXX '' in Florida. XXXX agreed to wave the {$3.00} charge and said she was sorry. As of this writing ( XXXX XXXX 2016 ) the charge still pends. 
Throughout the entire process I was given conflicting, contradictory and false information by AMEX personnel. I was outright lied to by AMEX personnel and Supervisors ( XXXX ) by them agreeing to assist me then not following through with what they said they would. Additionally, AMEX personnel claimed events that were simply impossible by citing incorrect dates and corporate policy that I felt they made up as they went. Closing an account and settling it, only to continually bill the member is deceptive and illegal. This seems to be the way AMEX conducts their everyday business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27
Company: LTD Financial Services, L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.

Company response to consumer: Closed with explanation