BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Santander Consumer USA Holdings Inc.
State: KS
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:
In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus. 

Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report. 

I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX 5. Account Number : 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 2023-08-02
Company: EQUIFAX, INC.
State: AZ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two {$400.00} atm withdraws taken from my account and I never authorized it. I made a fraud complaint and they denied it saying it wasnt an error. I live in XXXX Texas and was working at the time when the two transactions were taken from me in XXXX XXXX Texas

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 2018-03-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the Appeal request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Incomm Holdings Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a {$100.00} Visa Gift Card from a local XXXX. When the gift card package was opened there was a {$25.00} XXXX XXXX card in the package instead of the Visa gift card. I contacted Visa Gift Card services and explained the situation and provided the receipt information that was requested. I was informed that they could see the card had not been used and that the original card that I did not receive would be deactivated and a replacement card for {$100.00} would be issued. I received the replacement card in the mail and upon activation found that there was only {$12.00} on the card. I immediately called Visa gift card services again. I was informed that the previous rep failed to deactivate the card and while the card had been mailed purchases had been made using the original card. Now Im being told that I have to complete paperwork to dispute the charges and the investigation could take up to 90 days. Im having to do extra work and wait for an investigation when the company can verify that it wasnt me to begin with. At this point I feel like Im never going to get my money back and any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today, I tried to dispute an account online at XXXXequifax and was told that I am not able to dispute the information, that I already have. This is the first time at XXXXequifax that I have tried to dispute the inaccurate account. I only just recently created XXXXequifax account online. So it is not true that I have already tried to dispute the information. When I tried again to dispute the information I received an error message. 

The information that is being reported is inaccurate, old, and outdated and needs to be permanently removed. 

The information needing removed is : XXXX XXXX Account Number XXXX XXXX Date of Last Activity XX/XX/2005 2005

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Paradigm Assets, LLC
State: CA
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 have no clue what kind of account this even is. Its not a credit card of any kind and I certainly never opened up any account like this. I need this taken off my credit files. Debt factoring account or something like that I have no clue even what that is all I know is someone racked up a few XXXX dollars and never paid on this! Was turned down on a lease recently because of this XXXX on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found a bicycle seller online and negotiated a price for a used bicycle and it's shipping to my residence. Seller suggested we use PayPal, instead of XXXX. 
I transacted the agreed amount with the seller ( I paid the " seller '' for the bicycle and it's packing/shipping separately ) through 2 PayPal transactions on XX/XX/2023, and XX/XX/2023. 
Seller never shipped the bicycle to me- they communicated frequently, suggesting different reasons for why they had not shipped the bicycle each time, and extending the date they said they would ship. 
I filed disputes for the 2 transactions with PayPal, asking for my money back ( both disputes filed on XX/XX/2023 ). PayPal reached out to the " seller '', who responded to PayPal and shared a XXXX tracking number as evidence they had shipped something. PayPal closed the dispute, in the seller 's favor, and had transferred funds to the " seller '' on XX/XX/XXXX and XX/XX/XXXX respectively. The XXXX tracking number shows delivery to somewhere in my city ( but it does not show a full address ) on XX/XX/2023. Meanwhile, the " seller '' sent me messages on XX/XX/XXXX that they had not shipped the bicycle. 
PayPal closed their investigation and are now asking me to file a dispute with XXXX ( who won't even share with me the destination address of the package ). 
This has resulted in me losing USD XXXX. XXXX has asked me to provide a " XXXX intranet form '' as evidence that I have filed an investigation with them. XXXX does not recognize such a form. I asked PayPal to join me in a 3-way call with XXXX, to hear from XXXX directly that the package was not delivered to my residence ( XXXX agent offered to do this for me ). However, PayPal agent won't support this request either. 

This serves to illustrate how PayPal is aiding and condoning online fraud while making money through transaction fees and absolving themselves of any losses from fraudulent transactions. On PayPal 's own website, several users have reported similar situation and advised PayPal that XXXX does not have an " intranet form ''. So, mine is not an isolated experience either

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: WA
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:
Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX. Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting XXXX XXXX XXXXXXXX who reported the initial credit card charges and delinquency. I spoke to 8 different people in 8 different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open this account

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 2021-06-16
Company: EQUIFAX, INC.
State: TX
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am currently in a mortgage with Nation Star Mortgage. I have had financial troubles in the past but am able to afford my home payments. I have applied, payed all agreed payments on a trial arrangment. The modification was accepted and I sent back all of my documents. The mortgage company insisted that i made a mistake and did not sign one of the pages. They then, rejected my modification stating that i did not accept the offer, but I did, i explained. They also have made several attempts to act as if they are trying to rectify the situation but have not done so. They are now trying to foreclose on my home and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have open a bank account with Wells Fargo in XXXX, Texas. On. XXXX with {$500.00} and it has not been used or touch till the XXXX, of XX/XX/2022. It was used only for XXXX  for {$55.00}. Now with me on the phone with the corporate offices of XXXX, wells fargo I was informed that the only transaction was the {$55.00} for the XXXX. I was told about {$38.00} dollars that supposly XXXX of XXXX a XXXX XXXX was submitting when I did not even pick up from that location and she had put in the notes on the computer to corporate of XXXX that I did not have a Valid ID or a major credit card at XXXXXXXX XXXX on XX/XX/2022. She had never even asked but she had canceled my reservation that was told to me directly by a corporate employee meshell at XXXX  corporate office. She had my information with my reservation that was made on XX/XX/2022. When I had spoke with XXXX from wells fargo XX/XX/2022, and XXXX on XX/XX/2022 I was informed that the only thing that was taken was the {$55.00}. And the amount in my account was {$380.00} available balance. I asked him about the acitivy he informed me of the 4 items of {$38.00} from XXXX. I then called corporate again in reference to the chargers I was told that the {$50.00} credit was put back in the account and the 4 items of {$38.00} were to be input on hold, because they were to be held untill I returned the moving vehicle. My account should not had been touch. Then I received a phone call from XXXX a employee from XXXX  telling me that there was a {$130.00} charge to my account. I called the bank and I was informed there was no charge of {$130.00} done to my account. Then corporate of XXXX  agent XXXX, I had explained all this and she sumitted the claim and I have the reference number XXXX was @ XXXXXXXX XXXX. I havehad this going on and I know it is the conversations and the Haters I have reported this to every agency including the local police and the county officials and authorities. I have all this information in reference to this ongoing problem. Thank you, one more question WHEN YOU ARE TOLD BY THE BUSSINESS AND IT IS IN THE CONTRACT THAT YOUR ACCOUNT WILL NOT BE TOUCH, AND IT IS BY SCAMMERS AND WHEN THE COMPANIES ARE AUTHORIZED TO ACCEPT CHARGERS YOIR ACCOUNT IS EMPETY LEAVING YOU NEGATIVE AND INNSUFFINET FUNDS. I am at the bank and trying to take care of the matter as I type, thank you for your time. XXXX, Texas 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 explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX  **** Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$28000.00}

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 explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them to cancel this and I never accepted service, I chose XXXX and can verify that at that time I had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation