BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Paramount GR Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi, I am writing in regards to the Company Goodleap who teamed up with a fraudulent company XXXX XXXX XXXX to take advantage of consumers. We were sold solar panels in XXXX XXXX and Goodleap approved a loan for a substantial amount without having a loan application. We feel they falsified a loan application just to get us approved for equipment that did not work. We were lied to from both of these fraudulent companies, and after finally finding where the loan was thru I contacted them and told them I wanted a copy of the loan application and to see what help we could get since the faulty equipment the loan was for didn't even work and the promise that it would save me on my electric bill. They advised me I would need to pay $ XXXX by XX/XX/XXXX in order to keep my loan from increasing. Our current payment for Goodleap is XXXX $ and my electric bill is over {$400.00} so we are struggling to make ends meet due to paying almost {$1000.00} just in electric. I have contacted them several times without any follow up. Goodleap has been sent a letter from the Attorney General from XXXX different states asking to hold and defer the loans due to XXXX XXXX filing bankruptcy causing havoc for so many consumers.

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 2019-07-08
Company: Lending Club Corp
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving collections calls from Lending Club when my account is current. They always start by saying my account is current but I'm delinquent for my XXXX payment which makes zero sense. After a few moments they realize I was loaded into their dialer in error and that my account is current. I ask to speak to a manager to have this resolved and I have simply been hung up on. I am now worried I will be reported negatively for this debt that is indeed being paid on time. The collections department has shown no concern with my matter once they realize I have no debt to be paid. Nobody will look into why this is happening to me and I simply have the call disconnected every time I ask to speak to a manager,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Good afternoon : I received a promo code in the mail for {$300.00} for opening a Chase Business account. Upon opening the account, the promo code was not added due to a system error. I called the branch manager, and he told me it was added. I tried to confirm with customer service ; and they said the manager was in the wrong that there was no system error or even an attempt on his part to add it. 

I called him back and explained to him that I needed this taken care of and could not come into the branch any longer due to health concerns because of COVID-19. He rudely replied that he had no solution for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-08
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Charges were already dropped and are reflected by XXXX but are not updated with XXXX. I demand this charges to be dropped. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX, a fraudulent transaction from a Schools XXXX XXXX  is initiated ( the account is my son in laws ). The quantity is XXXX. This money is sent through ( to ) the number XXXX ( my number ). Apparently, this number was ported over from XXXX XXXXXXXX, to XXXX XXXX XXXX on XX/XX/XXXX. I was not aware of this transaction and had no part of it or any subsequent transactions that may occur. We contacted zell on that same day and they were unable to provide any assistance, we contacted wells fargo and they were also unable to provide any assistance because they did not have the number registered. We also spoke to chase and we confirmed that the number was under their zell until the aforementioned date. Finally, we spoke to schools first and they informed me that we could rip the number back from wherever it was located and that would leave a history. That information confirmed it was being housed in wells fargo. That token history exists but the representative at schools first refused to provide me this information because it was internal. As the owner of this phone # and, being unaware to any zell registration to XXXX XXXX XXXX, it is my responsibility to get the information. The thing is, this information is vital to document and reach out to XXXX XXXXXXXX and demostrare to them the account activities did exist. It confuses be because XXXX XXXX owns XXXX through the early warning systems LLC. If you ask me it feels to the consumer that the ball is tossed from one court to the other and no one can give an answer. But the consumer looses the money. The banks seem to restrict information that is vital to following the money and the transactions. XXXX needs to stop washing their hands with ignorance and put a tighter lock on their transactions and be held responsible for the money they handle. They are essentially a transient bank and should have better consumer protection mechanisms like locking down transactions and a universal transaction number so that when a concerned consumer calls, they can immediately take action. Instead this partnering with other banks makes it so that they can only respond to the APP transactions but not the bank transactions. This methodology invites fraud and scams and makes it imposible for the consumer to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear CFPB, I am extremely dissatisfied on the lack of support, investigation, and safety by Wellsfargo Bank. I was defrauded out of {$2500.00} by an individual claiming to be a property manager and requiring a security deposit. I bought a Cashiers Check from Wells Fargo for the amount of {$2500.00} and deposited to the persons account. When I discovered that it was a bank fraud & their was never a property or managment, I immediately contacted Wellsfargo Bank both in person and via telephone to cancel the cashiers check. Wellsfargo notified me that the cashiers check was already deposited and they couldn't cancel it. To add insult to injury, they notified me that they wouldn't be able to refund my {$2500.00}.

I have been a Wells Fargo customer since 1997 and I am extremely dissappointed that they failed in providing a safe environment for their customer. I am prepared to take legal action against the bank for creating an easy platform for criminals to continue targeting victims with no hindrance. Wellsfargo and other banks have created a loose banking system that allows customers to get defrauded. 

Name used by criminal : XXXX XXXX Phone numbers used by criminal : ( XXXX ) XXXX, XXXX XXXX XXXX Email used : 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 2023-10-23
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting 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 not liable for the debt with so & so. They have not provided me with XXXX XXXX XXXX. I have not signed a contract with so & so, they did not provide the original contract as I requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft back in XXXX before I had a account with XXXX wireless someone had took out a phone. I went to the police and reported it. The police had seen that I did not have anything to do with the account because it had wrong information. I had to contact the credit bureau and had a 7 year protection which lasted till XXXX of XXXX. In XXXX of XXXX I took out a phone and seen my bill was outrageous. I did not know when I walked out the store they had took XXXX more lines and phones. When I contacted XXXX they couldnt locate where the phones came from there was no tracking number. The manager from the store got fired and was never seen again. I contacted XXXX to tell them whats going on and nothing. They gave my case to collections were I had explained the situation all over and even sent them the police report and nothing has been done either. They do not want to remove the account even with proof. The bill is XXXX dollars for XXXX phone. But in there system they were telling me it was XXXX lines and XXXX phones theyve changed there stories numerous times which I have no control of the computer. Everything is noted but they wont send me the bill or anything with details. I need help and I know that they owe me the same amount there asking for because I was paying XXXX a month for XXXX phone plus my trade in. Rpm does not listen nor care about the situation. I get different answers all time some are rude where it gets to the point they hang up.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/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 2023-03-06
Company: EQUIFAX, INC.
State: FL
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:
I XXXX XXXX contacted these companies multiple times and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - XXXX NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.

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 2022-11-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bank Huntington : Via the web portal I could see 1 ) My business checking account 2 ) personal checking 3 ) Joint savings account 4 ) My Huntington credit card A ) last week on Tuesday ( XX/XX/25 ), I went to my bank Huntington to make a deposit. I was informed I could not make a deposit and that Huntington was ending its relationship with me. 
I was told that in 3-14 days I would get ta letter and a check for the balance in the account * I could still see all 4 on the web portal B ) Also on Tuesday my credit card merchant told me that deposits were bouncing- so I couldn't get my payments from my credit card transactions c ) On Thursday the XXXX, I received an email that a deposit went thru on my business account. That was a change- so I thought things have changed. I did take out some money just in case this was a fluke * Now on portal I can only see Business checking and my Huntington credit card d ) Today- its been 8 days and no letter and no check on the balances on the accounts missing : My personal and the Joint Savings e ) Today I received notice from my XXXX XXXX  that a payment I put on there bounced. I took this as a very bad sign and that I have very little credit left on this card f ) so today, I go to Huntington to try and move out a significant portion of the money- leaving some monies for the automatic withdrawals. 
I am informed that my business account is closed. Now I am dealing with the exact same person at the bank as previously- so she remembers me from Thursday when I took some money out. 
She calls corp office. They have no answer to as why this is happening and they refuse to talk with me. 
I say to her if we are going to end our relationship then give me a cashiers check for 70 % of the account and leave some in for withdrawals- she says she can not take out any money. 
I say to her how can I pay my bills. She says now corp says I will get a letter and check for the balance in 35-45 days!! WHAT! 
* I can still see my Business checking account and Huntington credit card. When does the clock start on the 35-45 days? and Why did it get lengthened from 3-14 days?? 
I don't know what to do. I have the payment to the XXXX due on the XXXX and other payments coming due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ACCOUNT CLOSED AND REMOVED BACK IN XXXX, showing that account is OPEN? I have no knowledge about this account, contacted company and disputed it

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 2019-12-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$1400.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not even the original debt collector, this debt was paid in full with the original collector, this debt was sold without my knownledge. When I saw that this debt was on my credit report, reporting inaccurate I called the company several times to explain that I was no longer responsible for this debt because it was paid, they kept hanging up on me. Please remove this from my credit report, this account was sold from the original collector, after the fact that it was paid, and all equipment returned.

Company response to consumer: Closed with explanation