BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Payments and pay off amount have not been updated since XX/XX/2023. Therefore my credit score is not reflecting correctly and it cost me the purchase of my home! I have called numberous times, so did the lender and yet nothing no answers. Every time I call I get the same response I will get a call within an hour and no one has ever called back. I have email with no responses to the supervisor any attempt the company has failed to answer for the last 3 Months.

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 2021-04-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Just over a month ago my wife and I had money stolen from us as part of an apartment scam. Its evidently more common than you realize. Financial transactions were processed using Venmo, making it a facilitator and resource for both fraud and potentially money laundering. When I realized that we had become victims, I immediately filed a report with my bank, filed a police report and called Venmo directly to make them aware of the fraud and request that the transaction be stopped. I was told point blank that there is nothing they can do and that they dont hold liability for transactions made through their app. Their support team told me that they never give refunds per company policy. This seems ridiculous and makes you wonder how many fraudulent transactions are being made through Venmo and PayPal? 

Most importantly I just want the money that we lost back. Im currently on unemployment, and the money that we were cheated out of was from my unemployment benefits, adding another layer of deceit on the part of this corporation which clearly doesnt care about its users, nor protect them from fraud. Ive contacted them many times via both their website and phone to no avail, only receiving the same answers with zero empathy or actual support. And theyve chosen to ignore the fraud and maintain a NO REFUNDS policy across the board instead. Ive made every effort to resolve this matter with the company over a months-long time period, and theyve consistently denied to even talk about it with me. They also told me that I can not file a complaint with them and that I should contact my bank, although my bank only sent the money to pay for the transaction, but didnt actually process it itself, instead using the third-party app. The bank also wont offer any type of refund and they deny any responsibility, placing the blame solely on Venmo. So, there were a lot of fingers being pointed when I first started reaching out about this. 

Im seeking reimbursement for my wifes and Is money lost through the fraudulent Venmo transactions totaling {$1100.00}. This has been a tremendous financial burden for us. I have screenshots showing transaction information, as well as the police report numbers and other supporting documentation. 

In desperation, Ive reached out to a few organizations that protect consumers in hopes of receiving a refund. I also hope that that at least one of these consumer protection organizations further investigates Venmo to determine how rampant fraud is, and whether transaction laundering and money laundering is occurring through Venmo transactions regularly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This debt that is trying to be collected is from the only creditor that would not work with me during COVID when I was unemployed. I requested a lower minimum and they refused. I tried to only electronically submit a lower amount and their system took the minimum no matter what. So I shut off auto-pay. They charged me tons of interest and late fees. They sent to a debt collector who sent me a letter with an apparent offer letter from the creditor to settle the amount which I never received from the creditor. I offered at this point to pay that amount and they refused. Today someone came to my house while I was at work and tried to serve papers and threatened a bench warrant and jail time. My partner was home and I watched on the ring camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX Date opened XX/XX/19 Balance {$20000.00}, XXXX XXXX XXXX Date opened XX/XX/19 Balance {$0.00}

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 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to XXXX XXXX XXXX ( XXXX ) XXXX POB XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d

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 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close a checking account with Huntington Bank in XXXX, IL on XX/XX/2021. I took my money out of the account prior to then, so that it is easier to close. The bank charges me {$25.00} per month if my account is below {$10000.00}, so I need to close the account before they assess me the fee. They are not allowing to close my account online, by phone, or by video call. I called both the national support number and the closest bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Wells Fargo with whom I called when I received an alert from Experian on XX/XX/2021. The application number is XXXX and simply called and stated I did not try to obtain a credit card from Wells Fargo and this happened on XX/XX/2021. I spent hours speaking with one person after another and assured me the inquiries will be removed. 120 days later the inquiry is still there. 

the executive office never called me and simply sent a no reply email. I have given ample time and simply want the inquiries removed. I did not apply for a credit card and reported this to wells immediately. They seem not to take this to seriously!

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 2019-06-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have 2 issues that I have been trying to resolve. 

Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX  service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). 

On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF  application was received and processed ( original application sent XX/XX/XXXX )! 

I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! 

Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. 

To resolve issue # 2, I just need to know what my new payment amounts are!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: V and H Portfolio
State: UT
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 filed three disputes with XXXX and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacteXXXX XXXX and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information Vance and Hoffman, XXXX XXXX and XXXX need to be investigated and corrected. 
XXXX XXXX is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and XXXX is showing XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. XXXX should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo is charging excessive fees, overdraft fees, also they are stealing funds from my account by paying off the bills, the date I make transaction is paid, they wait until a week later then post it, and explained to me that it didnt post yet, and they charge me again then erased the charges, some kind of way, and charge me overdraft a week later, they have been doing this since I had this account opened, ,also money has been taking out my fraudently,, I just want to acknowledge this, and want this to be aware, Wells Fargo has not learned their lesson,,

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 2018-04-18
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a letter from " Allied Internetional Credit Corp., ( US ) '' today ( XX/XX/2018 ) claiming they are trying to collect a debt of {$530.00} from XXXX. I have not used XXXX in approximately 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying the original creditor believing I was paying my debt off as agreed in out payment arrangement. The XXXX  informed me their computer automatically sends accounts to CMRE financial. So I called CMRE and made arrangements to pay on all accounts they had collected from XXXX and made.payment arrangements and paid as soon as I hung up on he phone. CMRE is in violated of our payment arrangemen, as I have them in a recorded line stating the arrangement and that my credit would no longer be affected by each account individually, as the accounts had been merged. I have been paying 2 payment arrangements of {$35.00} each to two hospitals and now a thrid arrangement with CMRE. I have the recording and can have a transcript made if that helps. These are amounts that were paid on and still had them turned into collections, whom gave no opportunity to resolve the issue before my credit was affected and now is not holding up to the payment arrangement they agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is my first time attempting to get my credit report from Experian through XXXX. 

I fill out the online form and when I submit, I receive the following message : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. '' My credit score has dropped significantly and I'm noticing strange debt in my credit card report. This service is offered freely for us tax payers, and I thank the US government for that. However, Experian should be accountable.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
Im filing this complaint to Experian. XXXXXXXX XXXX  has been reported as committing fraud. I have proof I will send Experian showing that they reported and changed my payment amount I seeking legal assistance about XXXX XXXX my original payment is XXXX they changed to XXXX a month, the terms are 72 not 74 months thats reporting on Experian, XXXX XXXX has changed the terms with out notifying or showing any documentation, I will send a payment summary showing the terms of the contract, does not match whats on Experian, please. Delete this account its fraud and I want it off 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 explanation
Consumer complaint received 2019-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: CA
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:
The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 crimes which antedates the report by more than XXXX 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 response to consumer: Closed with non-monetary relief