BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
EQUIFAX has been contacted 7 times within the past year about inaccurate personal information on my credit file and to date ( XXXX XX/XX/XXXX ) they have still not fixed this issue. Equifax was first contacted about my name being incorrect in XX/XX/XXXX, this inaccuracy was corrected directly over the phone. About 30 days later when I apply for a credit card XXXX names were then displayed on my credit file, XXXX of them I have never gone by, signed or even used as my name or alias. I've requested that EQUIFAX remove the other 2 names and they have refused each time even after I have supplied supporting documents ie., birth certificate, driver 's license and a copy of my passport which all have my full first, middle and last name displayed. I also attached a letter explaining that even though the documents I forwarded had all XXXX names displayed that I have never gone by those names and I only wanted my credit report to display my first and last name only. Equifax continues to ask me to resend the same XXXX documents and each time they receive them, they update my credit file to the opposite of what is currently displayed. If XXXX XXXX XXXX is what they see, they change it to XXXX XXXX XXXX and vice versa. They finally took my complaint seriously when I called today and they gave me a confirmation number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: FL
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 in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA   and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX, Equifax, and XXXX   and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
NAVIENT is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. NAVIENT is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-16
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I was advised the US Bank intended to close my personal account ( XXXX ) and was told that their Loss Management Department would have clear it first ( 2-4 weeks ). After being notified I asked them to cancel and return an EFT deposit in the amount of approximately {$5600.00}. Their Customer Service department told me it was rejected on XX/XX/2021. The branch stated the same. I have a recording of that conversation. I later discovered that it was not rejected but instead deposited and placed on " Hold pending Closure '' with no estimate on the date of closure. 


That is unacceptable as all funds deposited were by wire transfer from my Fidelity account and are now being held by US Bank pending their review. When I call the branch, they hang up. When I call the XXXX number, they refer me to the branch. The branch manager is using personal animosity to delay my access. 

As a result, MY businesses will no longer accept US Bank branded products for payment, per the sign at the registers, stating that " We have no faith in the integrity of US Bank. ''

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 2018-12-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. 

On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. 

The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. 

I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. 

On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. 

As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. 

After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). 

PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. 

I have made a formal complaint to the FTC ( Ref # XXXX ). 
I have contacted the NYS District Attorney 's Office. 

I am acting to file a publishable complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against my mortgage servicer, XXXX, related to issues with processing previous forbearance requests related to financial difficulties brought on by COVID 19. XXXX responded to my most recent complaint by correcting their systems to show my account in forbearance for the period XX/XX/XXXX- XX/XX/XXXX. Prior to XXXX correcting this issue and providing the full forbearance period, I made five full payments to my account. These payments were made only because of the failure by XXXX to respond to my additional forbearance requests. Now that the issue was corrected and my account was placed in forbearance for the period noted, I believe the payments made during the forbearance should either be credited consecutively to the months following my forbearance period i.e. XX/XX/XXXX- XX/XX/XXXX or my forbearance period should be extended through XX/XX/XXXX. If this correction is not made, I will not have received the full 18 month forbearance that I am afforded under the Cares Act and provided pursuant to the letter I received from XXXX on or around XX/XX/XXXX. 

In addition to this concern, my account still shows due for XX/XX/XXXX when I log in to my account on the website. Upon taking the requested actions, please also correct the way my account reflects on the website so I can see the true and accurate status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Brown and Joseph, Ltd
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: PA
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:
Equifax Confirmation # XXXX XX/XX/2021 Equifax did not send a complete credit report only 3 of 6 in which I did not ask Equifax to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I ask Equifax to delete the added same address created by Equifax as duplicate address that was not right meaning no APT Number or letter not the address they added on the file not corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX! XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is an address where my mail goes when I'm contracted for work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is still my primary address Equifax needs to provide proof that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is former address by documented proof. 

XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not my primary address only mail goes there Equifax needs to provide document proving I own or rent that house by documented proof Equifax needs to stop adding address of no valid proof documented or proof of home mortgage from the creditor Equifax stated on page 3 of 6 no Employments reporting thats Equifax issues I been on same job for last 6 to 12 years with same employee My issue is Equifax delete info of employment but on another file say they verified employment on the date listed Equifax is only in business sell info and get money out consumers Equifax needs to stop creating false info and then telling consumers to go to there web site to pay them I would never go to Equifax web site and give them no info to gather and then recreate false info by so many errors of residence employment address error after error I have also filed at US attorney office and DOJ of the major issues I have credit reports going back last 3 years of proof of errors added address phone numbers employment in which was filed on as error after error and added by Equifax then complaint added then they remove it. created on one address 6 times with different settings of the same address XXXX XXXX XXXX XXXX XXXX NV please provide proof of the said address by documents i Live there at the said address other than mail going to the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
A number of years ago I began suffering from a medical and financial hardship that forced me to sell my assets, including my home and purchase a different car. The only option available to me at the time was to take a loan from Flagship Credit Acceptance, for almost 20 % interest. 

I have been working to pay off my loans and commitments over the last three years and Flagship has consistently been harassing with phone calls and communications, sending bills that reflected amounts owed higher than I owed ( and sometimes confusing me enough to pay double ) - altogether raising my anxiety and greatly impacting my health further. Continuing to make the payments required, even during the pandemic - and continuously communicated with them upon a late payment - and made sure to keep my account current. Despite this, Flagship have reported negative reports on my credit report - worsening my financial situation during the pandemic. 

To resolve matters, I made a huge effort to pay off the XXXX USD remaining on the loan - this was to be rid of Flagship. Still having paid off my loan early in XXXX, I still have not received a title. Making matters worse, it seems Flagship have also ignored communications from the XXXX after I registered my car in Maryland last year and didnt provide them with a title either back then. At this point I have reached out to Flagship credit over 4 times over the course of the last 3 weeks, only to spend hours on the phone with them - promising to return my calls and resolve the matter, but to no avail. Separately, they also took their time - well over 30 days - to report the payoff to credit bureaus. 

As a consumer who has been doing all he can to remain afloat, especially during a pandemic, the despicable business practices and lack of communication or resolution by Flagship Credit Acceptance LLC are unacceptable and have negatively impacted my life on many levels, now impacting my health and anxiety - I worked to pay off the loan and now will soon not be able to legally drive my car when my registration expires, despite owning it outright. I ask for your assistance in resolving this matter as soon as possible so I may resume my life, as well as for your assistance in punishing Flagship Credit Acceptance LLC who has been a longtime offender of consumer rights ( see many other complaints online ).

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 2021-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit Bureau is showing me a score of XXXX after I provided documents ( receipts ) to show an old collection account had been settled. Applied for a refinance and Equifax reported a XXXX score to the lender. This is deceptive. 
I am aware that a mortgage score is calculated differently but my scores from XXXX and XXXX are in line with what shows when I log in. Why is Equifax different?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company or person calls repeatedly, does not say what it is, who they are trying to contact or anything. I researched by phone number and it appears to be a collection agency. I do not have any errant debt, all credit cards and vehicle loan is 100 % current on payments, every month. I even pay ahead, like 4 months ahead on car loan so no clue what on earth these people are doing. I suspect they have a wrong number but they won't listen just insist they are right, amd badger rudely, but won't state who they are wanting to speak to! I smell a scam here. I'm not falling for this pack of lies from some unknown company.

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 2021-02-20
Company: Mortgage Research Center, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was put on forbearance with veterans united. They immediately placed my account in collections. They then denied a streamline modification stating I was late on my payments prior. The gentlemen over the phone stated I needed to be 120 days behind on my payments past a forbearance period in order to qualify. The gentlemen stated I had to know fill out a new mortgage application with my income and debt and employer and all the information in order to qualify for a loan modification. According to the VA the streamline modification states very clearly that this is not the case. I called back again and the lady said again it was denied because I have been past due for more than thirty days. Her and I then went through my account in detail and we discovered that I was correct and was never late. 

Afterwards she said I had to be 121 days late to qualify for my streamline modification per the VA guidelines. I saw that this was not true, then she said I needed to apply for a refinance and said she would send me a refinance application. I stopped and asked her if I could apply for a streamline modification and she said fine I guess we could do that. After all this struggling she said it would take 30 days. Then I asked if its still the VAs policy to modify the interest rate to the current market. She said no we wont do that we will put you on a temporary modification, the VA doesn't change the rates. I then read her the VA guidelines on their website and she said that yes its true. 

I have called back a few times and have gotten aggressive manipulative situations and responses from them. I have asked for a straight answer and get the most confusing responses. The last time I called they even said I was not in forbearance. I need some help I am confident I am going to get XXXX  over and there is nowhere I can go and nothing I can do. Please help me.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And TransUnion I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX  XXXX violated my rights as well I would like them removed original credits XXXX  XXXX bank they call me XXXX  me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO 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 non-monetary relief