BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am having major issues adding my bank account. It continues to not allow me despite constant check and balances to ensure it is the correct one. 
Please remove any restrictions from my account so I can add my bank account properly. My old one was removed due to it being from XXXX and they are shutting down, so I got a new bank account that needs to be added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a dispute to Transunion, XXXX, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts 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 explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX -Collection agency for XXXX XXXX XXXX XXXX 
This debt should not have been sent to collections as my Insurance XXXX XXXX XXXX XXXX paid this claim for the maximum benefit and that made the balance due {$0.00}. 
I have requested that Experian remove this collection account through disputes numerous times and they have failed to, even though I have provided proof from XXXX XXXX that the original bill was paid. 
I would like Experian to please remove this Collection account from my report. 
I am attaching the letter dated XXXX/XXXX/12 listing the amounts they paid to XXXX and that they have paid out the maximum amount.

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 2015-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Completed deed in lieu of foreclosure in XX/XX/XXXX with XXXX XXXX. XXXX never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from XXXX XXXX is non-existent after they get their money from 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 2016-05-29
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A medical bill from XXXX XXXX was sent to collections that I was unaware of, never received. I discovered this because it went right on the my credit report. No attempt to collect the debt by either by either XXXX for this supposed amount owed or by collections. Spoke to XXXX on XXXX and was told it was n't there bill and referred me to XXXX billing. Spoke to them XXXX and was told that the bill was incorrect and would be taken off and I would receive a letter of confirmation. Spoke to collections on XXXX to make sure it was taken off and it was n't. Spoke to XXXX from XXXX billing on XXXX who told me the previous agent I spoke to was incorrect, that I owed a different amount listed on my credit report. I spoke to collections the same day and was told a completely different amount than what XXXX told me and what was listed on my credit report. I began to dispute the validity of the debt because of the different answers I had been receiving and was told I would by collections that a letter would be sent to me for proof of debt. This letter was never received. I now believe this is fraud. I may have received services on the supposed day of the debt but I believe this is false charge they tried to sneak in due to getting different answers from different people and failure to provide proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Penn Credit Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Management at apartment complex cleared lease obligations with no other financial debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Garcadia Financial LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this hard inquiry on my credit. 
Need this take off please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

My correct phone number is XXXX Item # 1 : I XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., this account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 8 : XXXX XXXX - XXXX ...., account was paid in full prior to being a charge off. 

Please delete address XXXX XXXX XXXX XXXX XXXX Tx. Never lived there. 


The following information is part of your credit history and is provided to others. 

Inquiries below are not mines and should be deleted. 
XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016

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 2016-06-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with XXXX XXXX. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with XXXX XXXX and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). XXXX XXXX dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with XXXX XXXX and paid the account in full and closed it ( XX/XX/2015 ). XXXX XXXX however in a punitive nature reported to Experian that I paid the account late before I closed it. XXXX XXXX is wrong and their actions are negatively impacting my credit score.

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 2021-01-16
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:
The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.

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 2016-09-07
Company: Professional Recovery Management
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2016 I was notified through credit monitoring that I had a collection in the amount of XXXX on my credit profile from Fox Collection. Prior to seeing this on my report I had no idea of who this company was and why were they on my report. After I looked the company up and contacted them they advised me that I owed them XXXX from a past due medical bill that I was not aware of. After a lengthy conversation I was told that they had the right to put it on my report even with me not being aware of the bill. She said that they mailed a bill to me in XXXX and I probably did not read it because it was not labeled from an collection agency. I am trying to find out is it fair practice to make only XXXX attempt to communicate with a customer and then place it on their credit profile. I have no problem paying the bill if they are willing to take it off of my credit profile because truly they made no attempts to contact me to make me aware of the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently refinanced my house ( paperwork signed XXXX XXXX, 2016 ). Last week beginning XXXX XXXX, I checked my mortgage balance with the old mortgage lender ( Branch Bank & Trust ) to verify that the old mortgage balance had gone to XXXX. It had not. I contacted the new mortgage company, XXXX XXXX XXXX to verify the transaction. They provided me with a document that showed that XXXX XXXX XXXX had transferred, through XXXX {$270000.00} to BB & T on XXXX XXXX, 2016. I have called the mortgage lending group of BB & T almost every day since then to check on the status of the wire transfer. I have called all of the parties involved XXXX XXXX XXXX, XXXX, XXXX, and BB & T multiple times and am unable to get a clear answer on exactly what happened to the {$270000.00} ). The money seemed to have disappeared : XXXX claims they have records of the transfer and BB & T seems to have no records of the transfer. And I seem to be on the hook for two mortgage payments now.

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 2016-07-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Iam filing this complaint becuse Experian has ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.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 2015-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
These issues are with experian as to the following, they are reporting a balance and a payment on a XXXX XXXX XXXX mortgage account ( XXXX ) that they also show discharged in the same column which they previously were told to fix by XXXX XXXX XXXX in another complaint.Also the same mortgage they are reporting a balance and a payment with the same information that its discharged for XXXX XXXX XXXX ( XXXX ) .They are also reporting a high limit that is inaccurate period.They are double reporting an account XXXX with different account numbers.The ( XXXX ) as positive and closed and ( XXXX ) as negative, clearly inaccurate.I was previously told by XXXX lawyer that they dont report to experian at all so how could they be accurate, because experian says they only report what their clients tell them.How can my report be fair and accurate as i am by law entitled with these inaccurate entries?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief