BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: Julem Capital Corp
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian continues to furnish INCORRECT name on Credit Report. I have provided Utility bills as well as driving license that the only name I have gone by is XXXX XXXX ( XXXX ) XXXX. Experian will not correct this issue that is hurting my REPORT. ONLY address to have on file is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 2022-03-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I applied for and was approved for financing through XXXXXXXX XXXX for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. XXXX XXXX  also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with XXXX XXXX. My credit score dropped XXXX points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. XXXX XXXX  disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/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 explanation
Consumer complaint received 2017-06-23
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CA
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:
This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Phoenix Financial Services LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hi My name is XXXX XXXX and I pay monthly fee with experience for {$24.00} a month to monitor my credit to monitor my on line activity etc.. I have yet even with the paid membership even retrieves my cycle score with either XXXX XXXX or XXXX. The reason why I got the credit monitoring with due to after the 2017 XXXX  breach that's when I've been having issues with my devices and my personal private information exploited and sold to White collar criminals. My information was found in the dark web email telephone numbers you can addresses to even like children and my other family members you are deceased and no longer with us. If you're able to get back to me with some type of guiding hand or an some information or stepping stone and how it could go about to resolving this matter I mean even my credit report is written with mistakes and none of the major banks have any hard copies of increase into my credit report. I have {$2400.00} total of debt and my credit score. And my credit score is it available which I don't understand why yes I did inquire to XXXX  and they had said that due to the lack of prior credit and the unestablished credit needed for credit score which doesn't make sense to me even people with bad credit have a credit score whether it's to bring some XXXX to XXXX. If you're able to get back to me my email is XXXX and my telephone number is XXXX thank you very much have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2021-09-23
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
this is in reference to another complaint I filled XXXX, messages are included... This number XXXX XXXX continues to call after I have repeatedly told them to not contact me again... I once again contacted the number they gave in the recording XXXX and asked once again for the name and address of the company, but the once again refused and proceeded to tell me they were sending the Sherriff to my home, I said please do and called them scammers because they were not following the laws outlined by the Fair Credit Reporting act...

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 2021-09-24
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a PayPal negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the PayPal account. 
Response from PayPal : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the PayPal account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from XXXX XXXX XXXX XXXX claiming to represent Creditor : PayPal , Inc. Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an item appearing from Caine & Weiner,  account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX  ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Reporting Debt owed, but " No Contract '' with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've disputed several credit cards that were discharged in XXXX, and the debt was completely discharged, and every year the company resales the debt and places it back on my credit report with an updated date. I recently requested for it to be taken off my credit report and now it shows opened in XXXX which is absolutely not true. The company continues to allow these companies to put themselves back on my name and what happens it extends the length of how long debt will be on my name. 

Credit Cards : All Companies were discharged and no new accts were opened since that time, the companies were contacted from the BK XXXX Discharge court and the credit bureau report is saying the court documents are old their old because the discharged debt continues to be resold and dates updated each time i dispute with the incorrect date the acct was closed. 

XXXX XXXX Account was originally opened in XXXX and should show as closed and not in collections. 
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 explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: TN
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:
The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since XX/XX/2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: NY
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:
During the months of XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
During the months of XXXX XXXX- XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX ***XXXX XXXX XXXX Finance ***XXXX  XXXX XXXX XXXX ***XXXX  I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

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 2022-03-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Key Bank account with a {$50.00} initial deposit processed on  XXXX   XXXX  per the statement, with a bonus offer that if I made {$500.00} in payroll direct deposits within 60 days I would receive {$300.00} in bonus.     Since  XXXX   XXXX  when my opening deposit was processed and account was available for use, within the first 60 days of  XXXX   XXXX , I have made payroll direct deposits well over {$500.00} dollars as follows  XXXX   XXXX  - {$410.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$500.00} I have not received the bonus even after waiting out a few statement cycles as per the advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: National Collection Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation