BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I needed XXXX XXXX that costs {$6400.00}. The company told me about a no payment, no interest for 12 months financial assistance program. I applied because I couldnt afford the XXXX XXXX and was on Social Security XXXX and needed the XXXX XXXX to return to work. Turns out that the program was a Wells Fargo credit card that could only be used for the purchase of the XXXX XXXX. Also, there was no no payment feature. It took me 8 months to catch up on late penalties and as soon as I got on track, I was hammered with a {$900.00} interest charge for the first year on top of accruing future interest. There is little to no assistance for XXXX XXXX purchases and XXXX benefits for them are laughable.

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 2020-09-30
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX XXXXalot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back father was a cop. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
XXXX  XXXX  account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX XXXX  account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unemployment money and taxes and resources. Credit cards under my name. Please help yes I made police report ready

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 2016-02-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i have partnered with XXXX XXXX XXXX in order to avoid bankruptcy. I have had a hardship and I am unable to pay my debts at this time. I have notified all of my creditors, all have complied with the do not contact request except for Onemain Financial, XXXX. I have sent them numerous requests to stop contacting me, especially at my place of employment. They are calling no less than 5 times a day! They are sending letters to my home, my husband, my place of employment and calling my cell phone relentlessly. This must stop. I have told them my situation however they refuse to stop harassing me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XX/XX/2023 *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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 crimes which antedates the report by more than seven years. *15 U.S.C 1681s-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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. I, XXXX XXXX give third party authorization to communicate with ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please delete these inquiries from my report. I have included the identity theft report and would like these removed asap. These were done in my name without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: Monterey Financial Services LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called repeatedly since XXXX of 2020 about some classes they claim I ordered but I never ordered them, never received them, and Im not even sure what they are for. My credit is ruined from this and I didnt even do anything wrong! I did not share my personal information. I dont know how someone couldve done this. In the files attached all of the calls labeled unknown are repeated harassment from this company. I blocked one of the numbers and then another started calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Lendmart, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lendmart is threatening to take me to court, via emails and calls. The debt was originated in 2017 and I have made every attempt to work with a debt consultation agency in writing. I have worked with debt resolutions center regarding this account and payments were made to Lendmart via XXXX  XXXX  debt resolution company. I am no longer able to continue my account with XXXX It and Lendmart continues to threaten me via email. They have said they will contact my employer and garnish my wages, I am a XXXX  and I only work part time due to COVID 19. My hours have been reduced due to the pandemic and I am severely affected financially. I am on assistance from the HERO act and I can barely afford my bills. Lendmart states they have sent my account to collections but it does not appear on my credit reports nor do they use an outside party to send their emails. They still own my account and are being dishonest about having the account go to collections to a third party. 

I am providing a copy of their correspondence with me below : " If you do not do one of the three things listed below within fifteen ( 15 ) days of the date of the mailing of this notice or of its service by the court, we will go to court, unless we are otherwise precluded by law from doing so, and ask that your employer be ordered to withhold money from your earnings until the judgment is paid in full or, if applicable, is paid to a certain extent and to pay the withheld money to the court in satisfaction of your debt. This is called garnishment of personal earnings. It is to your advantage to avoid garnishment of personal earnings because the placing of the extra burden on your employer possibly could cause you to lose your job.

YOU CAN AVOID THE GARNISHMENT BY DOING ONE OF THESE THREE THINGS WITHIN THE FIFTEEN ( 15 ) DAY PERIOD ( 1 ) Pay to us the amount due ; ( 2 ) Avail our 50 % settlement offer ( 3 ) Via Debit card There may not be enough time to set up an agreement for debt scheduling in order to avoid a  garnishment of your wages based upon this demand for payment, but entering into an agreement for debt scheduling might protect you from future garnishments of your wages. Under an agreement for debt scheduling, you will have to regularly pay a portion of your income to the service until the debts subject to the agreement are paid off. This portion of your income will be paid by the service to your creditors who are owed debts subject to the agreement. This can be to your advantage because these creditors can not garnish your wages while you make your payments to the service on time. 

Thanks, XXXX XXXX Account Manager/Collections Phone : ( XXXX ) XXXX Press XXXX  Direct Line : XXXX Fax : XXXX Website : www.lendmart.net ''

Company response to consumer: Untimely response
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation is a result of a mistake, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

Firstly, I have always used my PayPal account responsibly, ensuring compliance with all terms and conditions outlined by PayPal. I regularly review and adhere to your policies to ensure a smooth and trouble-free experience for both myself and other PayPal users . As such, I am confident that my account 's limitation is unjustified. 

Secondly, I assure you that I have never been involved in any fraudulent or unauthorized transactions. I take online security seriously and have taken necessary precautions to safeguard my account information and personal details. My utmost priority has always been to maintain the integrity of my PayPal account and utilize it solely for legitimate transactions. 

Considering the above points, I kindly request that PayPal re-investigate my case in detail. I understand that human errors can occur, and I am hopeful that, upon closer examination, this limitation can be lifted, allowing me to resume normal use of my account. 

I sincerely value the services provided by PayPal and wish to continue utilizing its secure and efficient platform for online transactions. Therefore, I humbly appeal to PayPal 's sense of fairness and understanding to reconsider the current limitation on my account. 

I genuinely hope that this matter can be resolved amicably and that my account can be reinstated. Please let me know if any further information is required to facilitate the review process. I am more than willing to provide any necessary details to support my case. 

Thank you for your attention to this matter. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: XOOM CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My family and I was looking for a cabin in XXXX XXXX, Tn. We were unable to take a trip last year due to COVID. We decided to search for cabins on XXXX or through the XXXX XXXX Owners Page. After doing an inquiry on the owners page I received an email back the next day which was XX/XX/XXXX telling me that he owner a lot of cabins in the area and that he would be more than happy to find us a place. Our booking dates were set for XXXX XXXX. He gave us a total of {$3000.00} for a 12 bedroom 12 bath cabin that slept 56 since that was within our budget. He told us that {$1500.00} had to be paid ASAP and the remaining needed to be paid 5 days before arriving. We paid everything and he informed me that he was looking forward to meeting and greeting my family upon our arrival. We left around XXXX XXXX from our town in Alabama and made it to the cabin around XXXX XXXX on XX/XX/XXXX. Upon arrival at XXXX XXXX  we noticed that the cabin the man gave us the address and passcode to already had someone staying there. We then went to the check-in office and showed the lady at the desk the contract that included the information for the rental. She called the property manager and the manager over XXXX. And he informed her that my name was not in their list for check in nor did they have any knowledge of the man that took our money. We called Called the company that we made the payment through ( Xoom powered by XXXX ) and was told that nothing could be done because the payment was already completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have leased a new Honda XXXX XXXX from XXXX Honda ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/XXXX. In XXXX of the same year, the salesman contacted me saying that the deal wasn't approved and that I should return the car. When I went back to the dealership, they told me that they found a way to make the deal approved and they made a different contract. I gave {$2500.00} as a down payment in XXXX and after almost XXXX months they made a new contract where the vehicle was being financed by XXXX XXXX. 
I have been paying XXXX ever since for 13 months. It doesn't show on my billing the {$2500.00} that was paid when I first got the vehicle. In addition, my car was involved in a car accident on XX/XX/XXXX, and as a result, was a total loss. My insurance company XXXX is trying to pay for the claim but XXXX XXXX is not presenting the title of the car because the title is still under Honda Leases name. In addition, XXXX continues to charge me for monthly payments even though they are aware of the insurance company repossessing the total car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXOriginal creditor XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Originalcreditor XXXX XXXX XXXXXXXX Balance : {$460.00} XXXXXXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquiredon XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
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: Information belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation