BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
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:
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.

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 2018-04-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am unable to make any payments outside their business hours. 

Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours. 

This allowed me to be late on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.

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 2019-02-11
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX credit card is showing on my credit report and ABR Recovery Services, LLC is trying to collect on a debt on XXXX behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or XXXX is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2021-09-08
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I've been a loyal PayPal user for about 4 years plus now. The other day at approximately XXXX on XX/XX/2021 I received an email from PayPal , stating that I was no longer able to conduct business with them and that my account was permanently limited along with the holding of my personal funds ( {$13000.00} ) for up to an 180 day waiting period. 

Now, If I was in the wrong or did anything that I wasn't supposed to or wasn't aware about, then I apologize. I simply did not know nor was I conducting any fraudulent or malicious activity with the company 's services. I am 100 % legit and have made all of my money legally and the correct and honest way. I'm a XXXX XXXX XXXX XXXX XXXX for music producers and I sell my services along with digital products as you can see within my account ranging from $ XXXX {$590.00}. The smaller digital products in the $ XXXX range and my XXXX services that you can see in transactions almost everyday for {$590.00} and you can also see {$290.00} which is a payment plan that most of students join in on. 

Also, I have a very clean seller history with them as well, my duration of time spent doing business with PayPal, I've NEVER had a single chargeback or any disputes opened on me with that account or with any customer, and if a problem DID arise, then I respectfully solved it by immediately issuing a refund to them clearing up any mishaps also which you can see on my transaction history as well. I simply just want to provide a great service and customer support to people. 

I've filed a complaint with the XXXX  along with calling PayPal 's customer service line, and emailing PayPal 's VP 's, Execs, & even the CEO XXXX XXXX. I've also made a consumer protection complaint with the state of California where they're based out of, but still have yet to hear back from any of them. 

I do understand fully that PayPal would no longer like to do business with me and I rightfully respect their decision by all means. What I'm requesting from PayPal personally is that the holding of my funds can at least be lifted, so that I may gain access over my money that's been accumulated within the time period of conducting business with them. 

I am simply seeking a resolution that is fair and in the best interest of both parties and I hope that this problem can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX falsely placed 4 new items on my credit report. After disputing these accounts 2 were removed and 2 are still being investigated. When Transunion received these false accounts they immediately dropped my score 50 points. After these false accounts were removed Transunion raised my score only 5 points, although this area was not mine. I find this unfair and a violation of my rights.

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 2018-03-26
Company: FC HoldCo LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting 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. 

Sincerely, 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 2017-12-04
Company: Experian Information Solutions Inc.
State: NY
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 writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is emporium and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete it immediately.

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 2017-12-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I bought my wife 's engagement ring from Zales. I financed some of the purchase with their Zales card. I was told at the time of purchase the balance was interest-free for 18 then after 18 months the balance would start to accrue. My 18 months needed last months. At that time I owed a balance of $ XXXX. Three days ago I received my new balance with a balance of $ XXXX. I called the Zales customer care department and was told that the card was interest-deferred. The amount of interest for the entire purchase was added to the balance. I attempted to contact multiple supervisors to get a fair resolution to this problem without success. The Zales company is using dishonest sales tactics on their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank allowed XXXXXXXX XXXX XXXX XXXX to activate an account without the consent or knowledge of the applicants. Synchrony has denied two fraud claims, but has recently reopened the investigation. Synchrony Bank allowed a representative from the merchant to activate the account. Three days after activating the account Synchrony Bank allowed the merchant to withdrawn the entire balance of the credit account without consent or knowledge of the applicants. Sychrony Bank representatives have acknowledged that the account was activated by the merchant, from the merchants office, and without speaking to either applicant. Synchrony Bank has a fraud liabilty policy and an obligation to protect the consumer.

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 2017-12-04
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased an automobile in XXXX XXXX 2014 and was financed through XXXX XXXX where negative equity was rolled into the asking price of the new vehicle. As a result this inflated the cost of the vehicle to {$24000.00} with monthly payments of {$540.00}. Did not realize at the time of signing the impact the interest rates would have on the loan, especially in the event payment is late. I have experienced some hardship and had to either defer or pay late. In defering payments, I was charged up to half of the monthly payment just to defer payments. When looking at my last statement, after making 24 payments I still owe over {$20000.00} on a XXXX XXXX XXXX that currently values at {$9000.00}. the 24 payments paid ( + {$13000.00} ) does not include other fees paid. To add insult to injury, my last payment of {$540.00} shows that {$540.00} of it went to interest. 

This is killing me, and because of the negative equity in the now value of the car, I am unable to get out of this car/loan without an astronomical expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
While reviewing my credit reports from Experian, XXXX  and XXXX  I noticed inaccuracies across all 3 in regard to account XXXX XXXX XXXX. After I noticed the error, I filed a dispute with Experian and sent a letter stating what was wrong along with a side by side comparison of all three credit bureau agencies. Experian then sent me a response stating the account was accurate, but I noticed the changed the date of first reporting along with deleting two years of history from the account. If the account was accurately reporting the first time according to Experian, then why did they update to the terms they have now, which are a clear violation of my rights as a consumer due to discrepancies on my report. To aid with my complaint I attached two different credit reports to assist with my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings. 

The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. 

Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This Dispute Letter is regarding Specialized Loan Servicing choosing to ignore the Covid-19 Pandemic, The Cares Act and our Washington State mandates regarding no evictions as well as Landlords inability to legally ask or collect rents as it is labeled as harassment as well as reported to the Attorney Generals Office along with a large fine. I am still currently being harassed by SLS with a sale date WHILE Washington State is under the NO EVICTION NO RENTAL PAYMENT MANDATES, which has made it impossible for me to keep up with utilities as well as mortgage payments without full rents coming in to pay for it all. The financial burden has been devastating and I continue to work with state and local agencies with my tenants to try and get financial help, but these agencies are so inundated and backlogged that I have been told they are only processing XXXX and XXXX applications, and to be patient. It is very difficult to be patient waiting for financial relief of unpaid rents to help with a modification/forbearance and for a repayment plan when I have a XX/XX/2021, sale date hanging over my head! I am not in any position to make these agencies move any faster than they are capable, yet Im threatened continuously with sale dates from SLS instead of working with me so we can all get through this. All my documents for a modification have been in review yet rather than understanding what we are going through as a nation, SLS is working to make the families I rent to with children homeless by their careless, illegal, irrational sale date tactics. I have asked repeatedly for forbearance, yet SLS has not attempted to make a good faith effort to modify my property. Therefore, I am asking that SLS comply with our state mandates and work with me, the landlord, as I am required by law to act toward my tenants as well during this Pandemic, and cancel the XX/XX/2021, sale date, work with me on a modification that will enable me the time to collect all of the past due rents and get modified with SLS on this loan. 

Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this statewide mandate still enforced in Washington State.

Please find enclosed a letter from Mr. XXXX XXXX, Washington Department of Financial Institutions with our States 4th Amendment regulations as well as Attorney General XXXX XXXX XXXX for Homeowners/Landlords during this Pandemic. I will continue to alert all pertinent agencies of SLSs responses and activities toward SLSs sale dates given to me on my property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
One of the three major credit bureaus, Experian, XXXX, or XXXX, maintains a wrong record of my date of birth. 
The wrong data of my identification made me being rejected in many situations. 

As a real case happened in XXXX, I was unable to get Internet service from XXXX. 
I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. 

I understand that your organization advises us to first try contacting directly involved company for resolution. 
But in my case, I really dont know which company to file complaint with. 

I wish you would be willing to offer help to me. 
Any help from you shall be highly appreciated.

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 2019-10-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had filed a similar complaint ( XXXX ) a while back. The situation improved A LOT but I still got a credit card offer yesterday. The basic facts of the situation are more or less as described in the previous complain. I am unable to use the toll-free number indicated in the PRESCREEN &  OPT OUT NOTICE. This is because the credit offer I received has my name reversed ( e.g. XXXX XXXX instead of XXXX XXXX ) and I am worried that if I supply SSN, date of birth and the wrong name ( so as to match their database ) I might be committing perjury. If OTOH I report my name correctly, then maybe my record won't match in their database and they won't remove me. 
The last credit card offer I received was from some company " XXXX XXXX '' XXXX XXXX XXXX, XXXX DE XXXX. 
Please, I want all possible permutations of my name and surname permanently removed from receiving credit card offers, insurance offers or any other similar marketing material from this company or any other similar company. If I can't do it permanently then please for as long as possible.

Company response to consumer: Closed with non-monetary relief