BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was out of the country and provided proof to CAPITAL ONE with my XXXX PASSPORT and stamps in my passport showing my departure date from the XXXX and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # 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 2023-02-01
Company: Experian Information Solutions Inc.
State: MA
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:
They have not resolved the inaccuracy in the accounts. they keep giving me the run around when they know they are violating my rights as a consumer and a citizen of the united states of america.

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 2021-03-01
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called me on several occasions. In XXXX alone, they have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Last week when I spoke to a person, they refused to tell me what the call was about and were asking for my personal information including birthdate and part of my social security number. I have specifically asked them to stop calling me and to take me off of their list. 

Then on XX/XX/XXXX at XXXX, I received another call, and it was silent on the other end when I answered. They eventually disconnected. 

Recognizing the number, I called back in frustration. The automated recording said it was about a debt that I am unaware of. I eventually spoke to an agent and requested again that they remove me from their list. 

The repeated calls are a disruption to my day. I am a business owner and answer my phone more than most people and this is highly aggravating. 

Thank you for taking the time to receive this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
all account were paid off in full with all payments on time

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 2023-02-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This issue is with Pay Pal. They say they are having an issue with customers not being able to enter their TIN or SSN to release funds that are put on hold by Pay Pal. I have tried over the past month to resolve this and have been told " we are working on it on our end ''. In the meantime, they have almost XXXX of my funds " On hold '' and will not release the money. They gave me an internal Ticket # of XXXX. However, my last XXXX attempts to get an update via e-mail have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery associates after being advise not contact me has repeatedly called me 10 + times all from different number they are not the original creditor and I have asked to not be contacted by phone I also have sent XX/XX/2018 and do not contact cease letter i also have cell phone call log of repeated phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not receive a bill after using my card for the first time at the end of XXXX. After I realized I had not received one, I called and brought the account current. The same day, they reported to the credit bureaus that is was derogatory. I called on XX/XX/19 after I got an alert of my credit score dropping. I advised I would pay the account in full and the specialist saw where I had already made a payment on the same day the account was reported and stated he would remove the derogatory notification from my credit report and then take my payment for the full card balance. He placed me on hold and the call disconnected. I have called back 3 times and explained the situation. One representative told me I had never called them, and that was the third attempt in an hour. I requested to speak to her supervisor and she stated there was no one else I could speak with other than her. I ended the call and immediately called back and spoke with another representative and have now been on hold 40 minutes and still holding and no resolution. No one even has taken my payment much less honored them saying they would remove the derogatory report on my credit, which initially I was told was being handled.

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 2023-01-25
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the number provided by Monarch Recovery Services indicating that a debt from XXXX XXXX XXXX for an account an address in XXXX, XXXX  ( a place that I do not live ) was associated with my name, birth date, and XXXX-based mobile phone number. I don't have any magazine subscriptions, and do not live in XXXX. Just because I have a common name does not mean I should be harrassed by companies like this who have TERRIBLE reviews with the XXXX XXXX XXXX for similar actions with many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Through my credit card monitoring, I was alerted that someone tried to open a XXXX XXXX XXXX Credit Card in my name on XX/XX/2020. I called the XXXX XXXX XXXX fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, TransUnions process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called TransUnion who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. TransUnion did continue that they could remove it sooner if they got a removal letter from XXXX XXXX XXXX to authorize it. However, talking to XXXX XXXX XXXX, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my TransUnion credit report. Please help as I feel useless against these big corporations and their processes!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested refund for payments made during XXXX XXXX XXXX had to wait for loans to consolidate late XXXX when I made Request aidvantage told me the refund was approved XXXX and would receive in XXXX to XXXX weeks since then no updates til I called this morning XXXX and they just now told me after XXXX weeks that I wouldn't get refunded because the payments were made before consolidation didn't know they had to be!!! Anyway misinformed all across the board!!!! No communication at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Possible Financial Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I HAVE ATEMOTED TO REACH OUT TO POSSIBLE FINACE SEVERAL TIMES TO MAKE MY PAYMENT AND TO PAY IN FULL. THEY DO NOT HAVE A CUSTOMER SERVICE NUMBER BUT EMAIL. I HAVE ASKED FOR SOMEONE TO CALL ME SEVERAL TIMES, SO I CAN MAKE MY PAYMENT. THEIR APP IS VERY DIFFICULT TO UNDERSTAND AND I WANT TO PAY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
I am interested in processing disputes on all incorrect information on my credit report with Equifax. this has effected my deeply. I need all information reviewed correctly to determine all info needed to be deleted. this has hindered all 3 credit bureaus delete all listed items on the file to help clear my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number XXXX is related to Chase Bank and has incessantly been calling for several months now. These calls are to the point of harassment, and a 30sec-1m voicemail is left every time. I am a consultant and can not stress how important it is to keep my phone lines open and my mailbox as empty as possible. These calls have been disrupting my work, my emotional state and have caused a lot of distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase a XXXX on XXXX XXXX, 2019. I found a damage on the door and file damage with XXXX, On XXXX, I went back to XXXX, XXXX offer me to fix the car, I refuse to fix it, I request for replacement, since the car is in demand, and there were no car available similar like mine. So the only choice i hadis to return the car, which they told me if I did return the car, I had to wait for down payment to be return in 45days due to their return policy. I can not wait for 45 days without a car. So I ask them what other car that I could take delivery today? He check the inventory there 1 available but cost estimate {$9000.00} more then the current model I took which was the performance model. Anyway I had no choice either I come home with no car or take the model they had. So I decided to take the model 3 performance. So they re do the contract and ask to sign a new agreement with similar down payment, I ask what happen to down payment, he said he has to make separate and new contract has to have the down payment which I understood, I asked, can it be transfer from the old contract? He said he can not. He said he will try to cancel or refund the money as soon they can before the other contract ach to withdraw. The next day I called them about the down payment they told me it will not be return until 45 days due to XXXX return policy. Now I have a new contract drawn from my account estimate {$25000.00} and I am out with old contract {$25000.00} and I have a loan of over $ 30k with Wellsfargo. I need help. My name is 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 2019-10-25
Company: Cedars Business Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I set up payment arrangements to pay Cedar Financial for a debt I had accrued with XXXX University. It was imperative that I get this done because I am enrolled in XXXX University and I can not attend the school have have a debt in collections at the school. I spoke with a representative at Cedar Financial. In which I wanted to arrange to pay {$50.00} a month. He told me that that would was not a significant enough amount. He asked what was my gross income. Then he asked how much was my rent car note and other household expenses. He calculated what I had told him and then told me that i had 600+ dollars remaining and told me I needed to pay more. I told him I did not have it and that I would like to keep the {$50.00} a month payment arrangement. We scheduled the one time payment and gave me a website that I could go to pay online moving forward. 

Cedar then contacted the school and told them that my payment did not go through and that payment arrangements were not set up and stated that we had a " verbal agreement '' On XX/XX/2019 knowing that my payment has come due again. I went online to make the ONE time payment. Cedar financial took 2 payments instead. I contacted my " account manager '' by phone 7 times no response. I contacted Cedar finacial directly they forwarded my calls back to the " account manager '' No answer. I called back again and spoke with another representative who told me that when You make an online payment they will post the payment twice. I told him that was unacceptable I only authorized one payment and that I would like to have my money refunded back to me. He then put me on hold to contact the billing department and stated that the money would be refunded. I asked for a confirmation email to show that the money was going to be returned. He stated that he would send it over in 5 mins. The money was not returned in fact the payments posted the next day and I never got a confirmation email The

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: PA
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 they violated my rights. 
Please delete the following items : FAIR COLLECTIONS & OUT Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX5 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 explanation