BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Paypal Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am writing this complaint about a PayPal XXXX XXXX XXXX that I have got and repaid several of them under my current LLC and the XXXX XXXX XXXX to which the other loans were issued too. 

I have been rejected but no reason has been given for why I am being rejected and I believe that it is discrimatory because also the XXXX XXXX that works with us can not withdraw money from the ATM from his card that is issue with XXXX XXXX XXXX The complaints keep getting MARKED AS A DUPLICATE when the company does not respond. 

This and the inability to fix any of the numerous problems that I have brought to this agency some OPEN AND SHUT CASES tells me that this agency is also part of the problem here too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account on XXXX, XXXX did nothing said creditor did their own investigation, I wrote to the company asked them to validate this debt it has been almost 3 months and I have not gotten a response. I called XXXX and they refuse to take this debt down even though it has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: DISCOVER BANK
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:
Discover Card offered a " rate '' to check on their website and claimed it won't affect my credit score. I put in all the information to check the rate. After pressing " check now '' it created a credit card in my name without my approval or consent. 

I have reached out to Discover and they are not willing to close the account and remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 To JPMCB Card Services I hereby request JPMCB card number XXXX to send confirmation letter account not mines, Find attached XXXX confirmation letter stating, XXXX has completed the investigation including contacting the furnisher of information, where applicable, a summary of the results listed below JPMCB Card services has been deleted from the credit file see attached XXXX letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Old information reappears or never goes away

Complaint:
I applied for a loan to do renovations to my home. My credit showed the I had a serious delinquency that impacted my credit score. When I called Equifax in early XX/XX/2023, they said that there was no such statement in my file and that my credit looked OK. On XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX me an update and the statement was there that a serious delinquency was impacting my credit score. Can you help please. I have worked hard to get my credit rating improved and have no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CONTRACT CALLERS INC
State: UT
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:
I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violatons : 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, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PRIVATE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PR XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX CHANCE XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX IH XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting angency can not furnish without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting angency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections states no consumer reporting angency 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.C1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexis Nexis consumer center XXXX XXXX XXXX XXXX GA. XXXX Violating decisions requested by CFPB. After investigating XXXX removed records from my credit report however accepted reporting of those exact records from this Lexis Nexis company. It have NEVER been known to have posted reports furnished and provided from other companies. This Lexis Nexis has absolutely no legal rights to post ANYTHING on ANY of my three consumer reports at any agency. XXXX, XXXX nor XXXX XXXX. This company is violating my rights to fair reporting. If it has been determined for legitimate legal reasons to remove any information due to fraud, thief or any other unlawful unfair reason, no company has the right to disregard that reason. Under no circumstances. This Lexis Nexis company is absolutely not to be trusted by aggressively reporting information when it hasnt been requested and therefore I demand Lexis Nexis immediately remove and permanently delete the information they are furnishing and supplying to others. Lexis Nexis consumer center has illegally furnished this information for reasons other than obtaining credit. You have used the information for malicious reasons and will be presented to the courts along with all the other incriminating evidence and will be held liable for damages. 

Accessed my credit report without my permission! I did NOT request nor give permission for this company to access my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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 had updated my home address to the bank Wells Fargo and they froze my checking and saving accounts.my direct deposits are not recieved.all my bills are going unpaid.I found out on XXXX that my accounts were frozen.I visited the bank twice to correct the issue with no resolve. I had done all that they requested.Even the bank manager complained about the situation. She admits that there was no issue that was my fault.

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 2022-12-07
Company: MOHELA
State: WA
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:
XX/XX/XXXX XXXX  XXXX  submitted XX/XX/XXXX App  results : despite stating that signed HR forms were not required to submit for XXXX, my app was declined because I could not get it signed. 
XX/XX/XXXX spent months tracking down the info requested and re-submitted XXXX XXXX. 
XX/XX/XXXX Consolidation application submitted XX/XX/XXXX Consolidation completed XX/XX/XXXX XXXX XXXX application as suggested XX/XX/XXXX Requested information due to name change from marriage. Submitted all requested info. 
XX/XX/XXXX Had to resubmit XXXX AGAIN at their request. 
XX/XX/XXXX XXXX  payment counts up to XXXX payments ( the only movement since XX/XX/XXXX ) XX/XX/XXXX Notice of loans transferring to another servicer. 
XX/XX/XXXX Loans transferred to Mohela Called to speak with them and chatted via their website, was told my loans were " direct to discharge '' on XXXX. I have a screenshot of this. I have no other correspondence regarding my payments or proof of discharge. I'm told that the people answering the phone do not have specifics for me and I just need to keep waiting. 

I worked at a hospital full time from XXXX, worked at another hospital from XXXX and worked as a teacher from XXXX. I have more than enough months to count toward forgiveness and I feel like my account is stuck on hold and isn't being looked at. I've done everything they have asked and lack any proof of my account being looked at since XX/XX/XXXX ... 6 months ago. Please help me figure out why my account is stalled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Id Name XXXX XXXX. XXXX ss # XXXX. I had maxed my credit limit on my US bank credit card # XXXX expiration date XX/XX/XXXX. I made a payment of {$63.00} XX/XX/XXXX while online and speaking with a representative, the representative proceeded to process another payment of {$63.00} which was not my intent because the second payment overdrew my banks account. I asked for the second payment to be refunded, which was granted. I then proceeded to my person bank when my checking account is held to consolidate this loan with my medical credit card ( XXXX XXXX ) so I could better handle my payments being that I am recovering from an illness/surgery. I was charged interest and late fees. The late fees was refunded. The problem began when I sought the true balance and was given this amount {$2300.00} on XX/XX/XXXX ( cashier check # XXXX from XXXX  XXXX XXXX XXXX ) only to be informed via my online statement that showed a different amount and me having a balance due amount of {$63.00} on XX/XX/XXXX and upon contacting the bank the representative tried to convince me that I still owed that amount. On XX/XX/XXXX there is a charge of {$29.00} on a purchase when I purchased nothing. Interest charge of {$.00} on a balance transfer. I never heard of this when I am paying the balance as I knew it to be. Then there as a {$4.00} charge for a cash advance, where did this come from? Today according to my online statement there is a new balance due of {$95.00}, where this come from, and how can the outstanding amount due continues to grow when the payment date haven't arrived. 
I am getting the impression that US Bank doesn't want me to pay off my account and is adding charges thinking that I am a female senior who doesn't know how to read and or do basic math and will just pay the amount shown and if not the above state fees will continue mounting. This is unfair business and banking practices. This is equivalent to payday loans or loan sharking.

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 monetary relief
Consumer complaint received 2023-10-07
Company: Regional Management Corporation
State: MO
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:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
REVVI/XXXX  XXXX XXXX : XX/XX/2023 Balance : {$440.00} Balance updated : XX/XX/2023 charge off ( illegal reporting ) ( incomplete ) Fraudulent account open without my consent I DID NOT OPEN THIS ACCOUNT - someone using my information to obtain credit cards and commit fraud by using a third party debit card to achieve credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Apple Card was restricted, before that I had made a purchase, and I authorized that it was me, it was still restricted. 

the email associated with the apple card is : XXXX and the last XXXX digits the card XXXX and the last XXXX digits of my social security XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loan was with Wells Fargo starting in XX/XX/XXXX. My story about dealing with Wells Fargo is long and troublesome, but in short, suffice it to say I could never get the same answer. 

At the time I was working full time ( and part time in the XXXX XXXX reserves ). In XX/XX/XXXX I lost 33 % of my income and had just discovered I owed back taxes. When deferment ran out I was unable to make full payments. Wells Fargo refused anything but full payment. The IRS and XXXX warned their payments take priority. 

Wells Fargo finally charged off the account, offering settlements. Since I gave ever last XXXX of savings to the IRS, I told them I just want to make partial payments for now and then payments in full when I can. Again, they refused and did so each time after. They demanded payment in full, around $ XXXX. 

Before I XXXX in XXXX and knowing I would have my security clearance renewal, which this would jam me up for, I contacted Wells Fargo and offered again to set up payments and told them I will seek tort relief if I lose my reserves job because they refused to set up a payment plan. They again refused. 

When I returned from XXXX I was one more tax return away from paying the IRS in full. Before I could call them they called me back and offered settlement. I told them all I ever wanted to do is meet my obligation to my original contract. I couldn't do that at first but then I could. It was early in XX/XX/XXXX. 

They accepted and I've been making those payments monthly ever since.However, my credit report doesn't show I'm making payments and merely continues to show charge off each month. Every time I do anything requiring a credit check - including employment ( which I was denied consequently ), I have to explain this. 

I contacted an attorney ( XXXX, XXXX and XXXX, XXXX ) and sent them a letter, and also challenged their reporting at the credit bureau. 

All I want is for my credit report to show I have been making payments never late since XX/XX/XXXX. Wells Fargo refuses.

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 2023-04-28
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY XXXX REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date 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 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-05-17
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:
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. 

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  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 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 seven 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