BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. 
But they didn't close acct and took out money from my checking acct almost 1 year. 
When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. 
I gave up my money back and forgot about this incident. 
Now I found they put me in collection company from 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 2021-12-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On or about XX/XX/2020 and XXXX of 2020 the amounts on PayPal were different. I reported these to PayPal 2 times and notified them of a data breach I was involved in through XXXX credit bureau. I have gotten a response stating they don't see what I'm seeing on there end!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
AMERICAN CREDIT ACCEPTANCE IS IN VIOLATION OF MULTIPLE FDCPA LAWS! On XX/XX/XXXX of 2020, I was violated multiple times at XXXX XXXX XXXX in XXXX, XXXX by American Credit Acceptance. I have mailed this affidavit of truth and invoice to american credit acceptance but have not gotten any reponse and i am owed compensation for them violating the laws. I am attaching a affidavit of truth, Files pertaining to the Exhibits on the Affiavit of truth, ID, And proof of adress/identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am reporting that the company portfolio recovery associates llc, is sending XXXX XXXX letters and phone callsthat the accountXXXX is being reported on my credit report as a debt of balance of {$410.00} which is a federal law forgiven debt.since XX/XX/2018. a 1099-c form, was sent by certified mail to XXXX/portfolio recovery associates, because of the event of XX/XX/2018, answer me with a reply why are you reporting and calling me, which I do not want you to do again.about a debt that's has no validation as a debt and calling me as if this is a legal debt, which put portfolio recovery associates, and XXXX is in violation of section 611 of the f, t, c. f.c.r.a.and I am asking for this action to stop.send me the consumer validation of this debt or change the payment status to paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
Again I Have Been Fighting PNC For Years About This Account This Account Was Not Authorized By Myself. I Need This Off My Credit. If I Have To Involve A Lawyer And Social Media Postings I Will Resort To That. This Is Impacting My Credit And Making It Extremely Difficult To Get A Home Loan. I Want Written Proof Of Ownership Of This Card And Proof That I Signed Up And Made These Purchases. Im Not Going To Be Held Responsible For Something I Did Not Do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX : {$2900.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$880.00}.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I'm XXXX years of age, and work diligently to maintain a good credit history. My consumer 's credit score with the XXXX reporting entities : XXXX, Transunion, and XXXX were historically around the 700 range ( file attached ) up to XXXX of this year 2022. 
In XXXX, I paid off a car with XXXX XXXX, and didn't have any open accounts remaining. XXXX and Transunion in XXXX of this year 2022XXXX stopped calculating my credit score because I didn't have any open accounts, therefore, when a bank, car dealership or any authorized vendor that I'm trying to attain credit through, checks my consumer 's credit report with the reporting agencies, WITHOUT A CREDIT SCORE, MY CREDIT IS DENIED, AND I'M TOLD THAT I NEED A CO-SIGNER, I'm XXXX, educated with a great career ( income of XXXX ), and can't get a car loan. due to XXXX and Transunion don't possess the initiative to score my historical data. 
100 % OF ALL CONSUMERS, with previously credit established, should have a consumer 's credit score. this is creating unbearable hardship, unnecessarily. 
I reached out to CFPB for assist and got none. my next recourse if to contact my senator and file a class action lawsuit with my attorney.

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 2021-12-23
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
to who it may concern.i XXXX XXXX.was on aforbearance from last XXXX.un till now. with midLand mortgage.i apply for a modifiedcation.they prove me for a load modified.and sent me out some paper for me and my wife to sign.wich we are separate since XXXX XXXX.i inform midland mortagage that and she live in XXXX and i have to travel down there to get her to sing the modifcation papper s.so i did wen down thire on XX/XX/XXXX XXXX and we sing the papper and send them back to midland mortgage.than midland mortgage started to call me all day and night asking me when am i going to send the papper. and i told theme i did all ready.just keep calling me telling me they are going to forclose on me.so now i got to go all the way back XXXX .TO GET MY WIFE to sing the pappers.

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 2021-04-02
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Excuse me ever since ; ( XX/XX/2021? I have tried contacting the company? ( American Exspress Debit Credit Prepaid card? I have tried numerous amounts of times? And still today are not able to view my account balances? Not able to view my transactions? Not being able to make deposits and see them? Enter into my account? I am constantly getting bogus and lame excuses? First of all There never should have ever been a change? Everything that was working from the previous system were working excellent? from stating the previous issues that I stated above? they claim this would be better? Please I have a lot of health conditions that cause me to view my accounts online from balances to transactions ; to withdrawals and Deposits? Let me give you a prime example? Say that you or your significant other were attending numerous amounts of personal business? And every time you had or when you had to contact your? Financial Institution? You were on hold for more than an hour? Each time and you still were not able to settle or get your account settled? And say that you saw bogus charges on your account? Say when you want to view your account balance and transactions ands deposits? and bogus charges? And you were not able to see them for the nine days? And when the bank, or the financial institution? was supposed to notify you of the change? And you find out that you are not able to access your account? For these nine days? Tell me how XXXX? You would be? First of all when you make these changes? the bank or financial institution ; ( American Exspress Debit Credit ; Prepaid card? Was long supposed to have? Made the same changed when they moved supposed to have made sure that customers can view there account balances? There transactions? And other options? And what if you knew that they were? aware of this and did not care? Let me say this? How incompetent you have to be? If you are making changes to yoiur website for no apparent reasons? And you decide that? this would be better for customers? And you found out that the change was not EVER? EVER? necessary to move ever? what was working and never needed change? Come with the change? Incompetence? XXXX XXXX? XXXX? and lack of professional work ethics? and and still you can not access your account and services this day? Know an educated company truly knows what should have taken place? And yet you see incompetence and still are not able to access your online account for ( 9 ) days you tell me how XXXX you would be really?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX XXXX  XXXX Unauthorized charges successful icon XXXX sent ftc violation

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 2023-06-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me thousands of dollars in NSF fees over the last 3 years. Even during COVID when banks were waving them I was still getting hit with fees. Accounts were positive at end of business day but somehow within hours negative and hit with all the fees. Never given the chance to even make the account positive. I was constantly told they are unable to refund due to the amount of reversals in the past 6 months was over 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 2023-03-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father passed away in XXXX. He left the house to me, the only heir and beneficiary of the estate and the representative of the estate. We transfered the deed/title into our name immediately. 

We contacted Wells Fargo with all the information and waited. We informed them my dad passed and we were aware he was overdue on a home equity loan by XXXX. We had XXXX on hand and wanted to work to pay the other XXXX within 13 months. My dad had XXXX and that's why he was behind on the loan before he passed. They never offered my dad any assistance for having XXXX XXXX XXXXXXXX XXXXXXXX. They say XXXX of the money is past due taxes which my father believed to be a lie. He only owed 4 years of past due taxes at XXXX per year. 

Over a period of months they kept requesting more documents, wasting our time until finally telling us that they could NOT even speak to us because my dad 's ex wife from 20 years ago was on the promissory note. I informed them that she was removed from the deed ages ago and that we are now the homeowners, meaning we have interest in the property. I sent them the new deed with my name on it. I sent them the probate paperwork showing my dad left the house to me. I showed them the divorce decree showing that his ex wife gave up the house in the divorce. I told them that we have no idea if XXXX is even in the country, alive or dead and have no way to contact her. 

They responded by saying none of that mattered. That they may not accept any payments made by us, they will not work with us and that they intend to forclosure on our home and there's nothing we can do about it with them. They made it sound like they dont want our money that they just want to profit from the forclosure. And they said they're protecting my dad 's ex wife by not allowing us to pay. If we worked out a deal with them it could do NOTHING but HELP my dad 's ex wife as she has no ownership of the property and no interest in it. The harm they have done is take our primary residence over XXXX because they can. They may be lying about the XXXX in back taxes and prevented us as the actual home owners from looking into it. It's criminal. Please help is. We live here and have XXXX children here and this house is all my dad had to pass down to his family. This is malicious in my opinion they have the discretion to work with us.

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 2023-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe the Citizens Bank account associated with the account ending in XXXX contains a billing error in the amount of {$3100.00} due to a mathematical error. The reason why is because I see fees & charges and down payment was not applied to my balance for the total amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Froze all my business accounts leaving me with XXXX dollars to run my business that has a high daily spend limit for up to 12 days ( XXXX real days ) due to an internal error by wells fargo. A lawsuit will need to be filed against wells fargo for loss of work.

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 2023-09-16
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to file multiple disputes to Equifax in regard to fraud activity on my credit file. I have provided documents to verify my address at the time of the said services. I was a victim of identity theft and this company is aware of that. I have police reports on this matter in which Equifax disregard every time I file a dispute. The companies reporting is XXXX XXXX XXXX XXXX and Mississippi XXXX. Both specifying dates which is impossible to live in 2 places at the same time. I have requested verification documents from these companies many times and have not been provided the documents used to open these accounts. I filed a recent dispute with Equifax XX/XX/2019 and the results are verified as belonging to me. Equifax could not provide me the information that is legally entitled to me on how their company discovered the results. I was told by an Equifax representative that it was word of mouth from the companies claiming I owe the debt. 

I've had a credit freeze on my account with Equifax for years due to my social security card and government ID being stolen as well as fraud activity on my accounts. Equifax today is still distributing my credit information to third party companies even with my file being locked. My sensitive information was leaked in Equifax 's latest of many data breeches and I was told by Equifax there was nothing I or they could do about the concern of my Identity. Equifax is not following the laws in regards to consumer personal information and rights. Equifax is conducting business with careless intent and no concern to consumers. To many people are victims of identity theft and fraud activitiy due to Equifax back door security. Equifax seems to be for the creditors as they are being used so often by creditors that they have no regards for the consumers. Equifax do not complete thorough investigations on disputes and Equifax house false and inaccurate information on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed on the FTC report. This information is not related to any transaction of mine. The accounts that are fraudulent on my report are on the FTC report. I have also attached a Notarized letter stating it is in fact me sending out this dispute. I expect these accounts to be blocked and removed within 4 business days in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I recently became a victim of a fraudulent scheme and already filed a dispute claim on my bank account " Wells Fargo '' but my dispute claim got denied. So I called the claims department and asked if there's any other option or how they can help me as it is a big amount of money that my family needs to get back. So they transferred my claim to the " High Dollar Fraud Department '' and the representative that I spoke to confirmed that the claim has been denied again ( XX/XX/2021 ). The representative then just advice me to file a police report as they can't do anything anymore. 

I already finished submitting a a file complaint to FTC and FBI 's XXXX XXXX XXXX XXXX. 

I have all the evidence that I was in fact a victim of fraudulent scheme and I can send everything if needed. 

I'm begging that you help me and my family get our hard earned money 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 2023-10-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit 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:
bread financial my credit card was lost and i advised. the company about these issues was going on and the charges was not mines at all./ the company over has failed me as a customer and i have a negative remark on my credit profile dealing with these high concerns i want this company to take accountability in their actions failing to do a proper investigation ... since the card was activated i never used the card at all when it was time to for me to locate my credit i was unable to locate the card. all transaction was fraud done without my knowledge.

Company response to consumer: Closed with non-monetary relief