BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The purpose of this complaint is to obtain a transcript of my account and or final billing of the last 90 days of the account that is in collection : I requested home phone service be disconnected XXXX XXXX. XXXX XXXX I requested internet service disconnected. I was told I owed {$100.00}. i was told i would receive a final bill within a few weeks that would show the exact amount owed since i did n't have service the full month of XXXX. 
XXXX XXXX i called XXXX sales department to start new service. i was told i was not eligible for service with them until i paid the final bill then I was transferred to customer service and paid old bill of {$100.00} then i scheduled new service installation XXXX XXXX XXXX XXXX i noticed XXXX collection was on my credit report. i sent copies of my statement showing this was paid before the new service began and i have repeatedly requested a copy of the final bill which shows i owe an additional {$82.00}. 

i have called XXXX and requested a copy of the final bill. i have requested this from the credit bureau and from the collection agencies. i do not have bad credit besides a medical bill and the fact that i can not get this removed from my credit or marked as paid is bothersome. What is even more bothersome is that i keep asking for a copy of the final bill showing i still owe funds. i had XXXX for over XXXX years and they never ever allow your new bill to generate if the old bill has not been paid. 
My monthly bill was {$84.00} each month for phone and internet combined and this was auto debited from my account for years. Please request they remove this from my credit or send me the final bill as i have requested for over a year. They keep sending this to new collection agencies which is really causing my credit score to drop. 

Thank you.

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 2015-05-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015 I received {$11.00} for XXXX for making several online purchases. 
On XXXX XXXX, I requested that PayPal transfer {$11.00} in my PayPal acct to my XXXX XXXX Checking acct. 
PayPal states that the money will be sent in XXXX5 business days. 
As of the date of this complaint, no money has been transferred into my XXXX XXXX Checking acct. 
Paypal email address is XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Paypal Holdings, Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
in XX/XX/XXXX my wife and I used PayPal to pay for a income tax filing extension as the site would not accept our debit card the cost was {$19.00}. today I received a call from their collection department requesting I pay {$100.00} in late fees I was shocked at such a sizeable late fees on {$20.00} dollars. I think this would qualify as loan sharking. of course I must say shame on us for not reading the fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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:
I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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: Was not notified of investigation status or results

Complaint:
I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( XXXX, XXXX, Equifax ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.

Company response to consumer: Closed
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I closed my credit card, by phone, with CitiBank on XXXX. They have put through charges since that time and are harassing me with phone calls to pay my balance on a closed account. I have had two calls from them today, XXXX, as they refuse to stop calling 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 non-monetary relief
Consumer complaint received 2015-04-07
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a lease with GM Financial. I have asked for the mailing address to be changed XXXX XXXX times now. Still nothing. Now I do not even get a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.

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 2021-04-17
Company: EQUIFAX, INC.
State: KY
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:
Submitted Letter to Equifax and XXXX  on XX/XX/2021 to verify debt collections on my account. I have yet to hear back from them about regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Reverse Mortgage Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 
2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. 
Thank! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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 have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.

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 2015-09-03
Company: Featured Mediation, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX from Featured Mediation called and left a message on my home phone on XXXX/XXXX/15 at XXXX. She said she was calling for my brother ( who lives in another state ) to collect a debt. My number is unlisted and further more my brother and I seldom communicate, less than once a year on cell phone, he does n't even know my home phone. I did not return her call as this whole thing sounds fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Self Financial Inc.
State: MN
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:
An previous significant other had opened the account XX/XX/2019 behind my back to build my credit. I been trying to dispute this account since it was opened. It has been a whole year, the company wont remove it never matter what. This company has my info that was compromised so they verified it as accurate on my report. The fact people recommend this company is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Westlake financial is taking advantage of consumers. My account is with the law office of XXXX and XXXX. So why us Westlake still reporting my account to the credit bureaus. This is illegal. I called Westlake and asked to have my account removed from XXXX and XXXX which is my previous employment. I no longer work there but now I'm humiliated Because they are taking me to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was attempting to access my free credit report via XXXX and requested it from Trans Union, XXXX, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking Trans Union, XXXX, and XXXX to send me my credit report, preferably online, 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 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus and to BANK OF AMERICA, N.A for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEB, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2016-04-29
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
auto loan from ally financial 6yrs agreement, I paid 3yrs without late any month, unfortunately I loss my job late XXXX I lost my job and I did ask the bank to lower or stretch my finance because of loss job the bank said they will take the XXXXlate payment and they will investigate and see where to place me on refinance category, fortunately I have n't had anything from then so I cont inued to hassle and pay my bills for 4 month without late then I called the bank and asked again they said it still under review I should get a notice in the mail 9month later XXXX I asked them again they said in 3month I should receive a call or letter in mail so I continue 7month payment by XXXX XXXX things were not well and I asked the bank again and they kept asking me to keep paying a few months I should qualify for a program, which will be able to cut some interests and month I owe, I did referred them that 4times they have promised me and no results, so they told me how do I make payment on my other bills and how do I pay my rent and feed my self? they did called me XXXX XXXX for a while until I notify the creditor I want to keep my truck if you reconsider about my loan then my loan balance was {$8200.00}, i paid from $ XXXX.so they told me they will take the truck and auctions it and I will be liable a\still for the same amount because they 've made their money last yrs that I paid so later XXXX after they took it and I surrender it they sent me a letter told me the truck was sold {$5500.00} or more XXXX XXXX XXXXmiles snow plow and package was include only plow cost XXXX and truck worth around {$7500.00}, so the letter said it sold XXXX $ and I still owed themXXXX $ then later after 3collection company bought and adjust the numbers it came up XXXX while XXXX they said was XXXX then XXXX then XXXX the in credit profile says XXXX, i have tried my best to contact them on XXXX and they just give me a contact number when I called them I leave messages and no one call back

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 2021-05-24
Company: EQUIFAX, INC.
State: MD
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:
I have recently paid off some credit card balance which is showing on my credit reports. What I don't understand my credit scores dropped. I have been dealing with credit forever and when paying down your debt your scores should increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Lockhart, Morris & Montgomery Inc.
State: SC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Account " XXXX XXXX '' is not my account and I have no knowledge of this account. I have requested from the credit bureau on several occasions to provide me with their method of investigation and provide me proof that this is my account. All the credit bureau do is send me a letter stating " verified '' without any proof that the account belongs to 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