BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Prosper Marketplace, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed. 
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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: Public record information inaccurate

Complaint:
I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX 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 2021-04-29
Company: XOOM CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collections letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

XXXX sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( Xoom ) and told them as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX is reporting an account on my Experian credit report that is not reporting on my XXXX or XXXX  credit reports. This account is negatively affecting my credit score I have requested Experian to remove this account several times

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 2018-10-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness.  My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX   XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX   provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3.  They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7  %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Tsi has contacted and stalked me in regards to a debt collection. Also, purposely mentioned XXXX XXXX Im not sure how they got the details of my visit but they did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX 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 2017-11-19
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.

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 2016-08-23
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a CFPB complaint on XX/XX/XXXX COMPLAINT ID XXXX in which the response from Mr Cooper did not address the actual issue. I am aware that I am no longer on a forbearance plan and that ended in XXXX as that is why I made the call to address the payment date issue we were left with. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me ON A RECORDED LINE about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at ANY time throughout the month for the next 12 months and NOT RECEIVE ANY LATE FEES. I said that was wonderful and would be a great solution for me and I already started paying extra to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. 
I made my payment in XXXX, XXXX and XXXX, XXXX now only to find a late fees on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information on a recorded line. A escalation department pulled the call and verified after listening to the call what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is NOT acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told FALSE information and late fees {$68.00} charged to my account. I have been directed to file a complaint with the Attorney Generals office if this is not resolved. My resolution I am asking for is that I am given proper time allowance to make a extra monthly payment of around {$75.00} each month until I reach the {$740.00} I am short to get ahead of my monthly payment like I was told I could and do this with NO LATE FEES charged to my account monthly like I was told by your forbearance department on XXXX and ALL FEES REMOVED. I also am requesting a written transcript of my recorded conversation from XXXX to be sent to my home address or email ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: NBT BANCORP INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a message saying my loan has been approved from XXXX XXXX and XXXX  located at XXXX XXXX XXXX in XXXX NY. When I called them I was told I had to pay {$200.00} before I could get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: ATG Credit, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Date : XX/XX/2020 Amounts : The Balance on my account for the Each transaction I checked my balance of my account of PayPal and those the balance including many transaction, I checked the balance for the each transaction. However, the balance of the each transaction was not calculated correctly. 
I contacted the CS of PayPal and she checked my account but the amount she told and what I'm watching under my account was totally different. I took the some screen shot how the calculate was wrong and I explained to the CS what I see here right now is totally wrong. 
Unfortunately, she told she is watching different balance amount for the each transaction. 
I asked I'd like to see the record what she is watching and asked to send it via e-mail but she told she can't do that but I can see the same record if I download the all transaction. So, I dowloaded but it did notshow any balance for the each transaction, just show PAYMENT only. So, I don't know what she was watching and what she was hiding. 
Anyway, I believe that when I accessed to my account, I should be able to see the correct record ( Not the sloppy wrong calculated record ) under my account page. I know PayPal is neither bank nor Credit card company but they handle people 's money, so should be able to explain why the calcurate is wrong in my account without any hiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX I was opened the new account named XXXX XXXX  until linked into the account they quickly closed my previous account for no reason. I was extremely innocent and have no idea whats going on, I didnt have done fraudulent. I decided to open new account from online, unable to the new account : Wells Fargo and XXXX. yesterday XX/XX/XXXX I went to enter the branch Wells Fargo, I decided to open the new account until banker told me " unfortunately, I am unable to open the account itself system inform him ''. I was leaving the branch and contact them through customer service. they felt like I am the bad business with them. I was very innocence and don't do anything wrong I feel like they accused me of something with account like they suspected about frauldent activity I am not doing that. they kept accused me of something. I have right against them, they must to paid me {$900.00} 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 2018-09-17
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:
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.

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