BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
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 am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient does not process payments in a timely manner, even when payments are made timely or before the due date. Navient sends emails and/or statements for the next bill cycle with inaccurate payment balances ( e.g., previous monthly payment and next month 's monthly payment combined ). Navient 's website also shows your account as past due ( e.g., missed payment alert ) for an unfair amount of days, even when it shows on your account that a payment was made. 

Navient 's overall processing time for payments is poor and I don't trust that they have fair or accurate credit reporting because of their inability to have their systems operate efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My bank found a report on an Equifax credit report where I had an outstanding debt which affected my credit score. It showed that I had not paid a {$420.00}, and had been put on my credit report XXXX/XXXX/2015. It showed XXXX XXXX as the original creditor, collection agency XXXX XXXX XXXX. I contacted comcast who said they had not submitted the claim, and that I was and had always been current with them. I then filed a dispute with XXXX online, then had a conversation with them. They denied any knowledge of this transaction. Tried to contact XXXX XXXX XXXX, could not find any record that they even existed.. I contacted the local XXXX Consumer Service to try to find a way to get in contact with XXXX XXXX XXXX. They could not find any record that XXXX XXXX XXXX existed. They suggested that I file this complaint to try to get to the root of this problem, and get this bogus bad credit report off my credit report.. I do n't know what else to give you. I know that you will need more of my personal information, but not sure if I should include it now. My phone number is XXXX, and my e-mail address is XXXXXXXXXXXX. My full name is XXXX XXXX XXXX, and my mailing address is XXXX XXXX XXXX, XXXX, Fl.XXXX. Please help me get this off my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file immediately.

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 2017-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: VA
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 downloaded my Equifax Credit Report on XX/XX/XXXX ( copy attached ) and submitted an online dispute to remove the 'Consumer Statement ' shown in Section 6 of same. A printout of my online Dispute 'Confirmation ' is attached. 

Although confused by the XX/XX/XXXX Equifax letter ( copy attached ) indicating they were not able to locate a Credit File for me, I received notification on XX/XX/XXXX that my online Dispute had been completed. As such, I downloaded Equifax Confirmation # XXXX and associated Credit File. Since the format, layout, sections and fields of the XX/XX/XXXX Credit File don't match that of my XX/XX/XXXX Equifax Credit Report, there is no way to confirm removal of the 'Consumer Statement '. 

As such, I wrote Equifax Corporate on XX/XX/XXXX expressing my confusion w/ some of the conveyances in its XX/XX/XXXX letter and well as the dilemma stated above regarding removal of the 'Consumer Statement '. I'm yet to receive a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a certified letter to TransUnion asking to validate the debt from my student loan. They have yet to respond to my request electronically or by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Mark A. Kirkorsky, PC
State: AZ
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:
MARK A KIRKOSKY continues to abuse consumer rights by illegally accessing my consumer credit report. I have sent the company a cease and desist, i have reported their illicit acts to you the CFPB, who helps consumers with their rights. 

I am telling you specifically, that the law firm and associates known as MARK A KIRKOSKY. 

They continue to violate the FCRA, and my rights, and have already been sued in district court, and continue to access the consumer report with no permissible purpose. 

Is anyone from the CFPB going to do anything or do I have to List this bureau as neglligent of this fraud, negligence, and intentional infliction of emotional distress? 

I will send out W9, 3949As, 4506s, and get the true debt collectors involved, I am at my wits end with the situation, i am ready to litigate and seek retribution, unless you the CFPB cease his unlawful and illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Big Picture Loans, LLC
State: MT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for and was granted a payday loan from Castle Payday, which is an affiliate of the XXXX XXXX XXXX entity. At no time was it explained to me that the {$1000.00} loan was going to cost me {$7600.00}. Castle payday has been auto-deducting an average payment of {$250.00}, XXXX a month from my checking account since XXXX XXXX, for a total of {$1600.00}. The only way I can get them to stop pulling money out is to pay the loan off in full. My contention is that I have repaid the debt in full at this point plus {$620.00} and to pay an additional {$1200.00} to consider it paid in full, or to continue installments until full maturity of the note is reached ( a total of {$7300.00} ), in my opinion, fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account 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 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), 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 2022-04-13
Company: EQUIFAX, INC.
State: TX
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:
I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. 

The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. 

I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX  I would had never commented to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Pressler & Pressler took 100 % of the funds from the bank account of a friend who let me use their account XXXX years ago to cash my unemployment. They will not give his money back until her proves to them it is his money!! I have been unemployed for XXXX years, have no home or belongings. They sent me a notice back in XXXX 2015 that they were collecting the debt and I wrote back that I disputed it. No communication since then. Then they took the funds and when my friend asked the bank what happened, they gave him a copy of the writ. It looks fake. I contacted Pressler and Pressler and told them what they did was wrong, and they were evil. They said that they would not give back the funds until my friends proved it was their account. They requested 3 months of their bank statements and deposits. They supplied them and P & P still denied refunding their money. My friends have asked me to leave their home, in fear that P & P will go there next and try to take their belongings saying that they are mine and making them prove otherwise. This is just horrible and they need to stop. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Seterus Loan Servicing in XX/XX/2016, I have received only one statement that does not give clear explanation how the payments applied or how fees added to account, I have requested my statements so far nothing. I just received a notice of debt dated XX/XX/2016 it 's very vague, the itemization amounts do n't match, it 's very vague, it has transferred balance {$280000.00} differed balance {$620.00}, current balance {$210000.00}, interest {$2400.00}, late fees {$160.00}, inspections {$30.00}, valuation cost {$85.00}, total current {$280000.00}. I sent them a letter for explanation so far I not received a response. If my current principal is {$210000.00} plus deferred {$620.00} the total balance owe should not be {$280000.00}. With that said I need them to honor the current balance and the deferred payment wish comes to a total of {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Equifax to delete this account ASAP.My cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a XXXX customer of PayPal and am relatively comfortable with using the XXXX XXXX assistive feature on my XXXX XXXX  to navigate accessible features and apps on the XXXX. A friend of mine made an airline purchase for me with the agreement I would reimburse him via PayPal. I have used PayPal successfully for years and felt confident with its app. To make the payment, I used the Search feature on PayPal and entered my friend 's email address. PayPal then located what I believed was my friend 's PayPal account since I typed in his email address. Because I am XXXX, I am not able to identify another customer by an avatar, and because the account name PayPal was " phonetically '' identical to my friend 's name, I entered the payment amount and sent it. To my horror, when I contacted my friend to confirm he received payment, he said he did not. I called PayPal to report the incident and discovered I sent the payment to the wrong person because -- and this is critical -- PayPal gave me the wrong account even though I typed in the correct email address. I had to escalate the call and make several attempts because each time the PayPal representative said it was not their fault but my fault. I finally had a supervisor type in my friend 's email address in the PayPal search feature, and she came up with the same incorrect account. The two names were spelled differently but were phonetically identical. My friend 's name is XXXX XXXX. PayPal instead directed my to XXXX XXXX. This incident occured on XX/XX/2021, and the amount was for {$520.00}, I believe. I did try to cancel the payment but it was already accepted by the wrong account member. I also attempted to email the mistaken account member but received no response. PayPal 's only comments were to wait two or three days to see if the other person responds, and if not, there is nothing they could do. To summarize, I am XXXX, I typed in the correct email address for my friend, PayPal 's system gave me the wrong person, I sent the wrong person {$520.00}, this person did not respond to my requests to return the money sent in error, PayPal duplicated this error on their side and admitted it must be a quirk in their algorhythm, but said there was nothing they could do further. I am hoping there is some legal or ethical precedence to hold PayPal accountable for not only refunding my funds sent in error due to their site, but also to force them to evaluate and correct this error that might and probably has affected other XXXX, visually impaired customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: American First Finance, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX American first XXXX Charged bank for payment at Bank that was taken off the account prior to charging it.Then the same date changed the new bank account the same amount.This was a double payment made to the same loan. The problem is the first payment was drafted from a bank account that was in process of being closed and they at this present time made this account rake up fees that is costing me money overlimit fees and overdraft fees on top of the payment amount that was not in the account. And they still at this time not issued refund or fixed there problem XX/XX/XXXX. PLUS ON TOP OF THIS THEY START THIS WITH DRAWS THREE DAYS BEFORE THEY ARE DUE.

Company response to consumer: Closed with monetary relief