BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX I took a personal check in to finance XXXX XXXX the check was {$2300.00} for a loan on a XXXX XXXX XXXX XXXX wellsfargo had contract on loan found out that XXXX and XXXX say he is XXXX stated they will not give my money back, but I have no car and loan not approve. I called every day to speak with the XXXX but everyone answer said they are busy, but heard XXXX employee said my name to them and said told them you XXXX was not her. I also ask for owner name they stated can not tell me his name. this place does not need to be in business at all. they are not honest at all. please help all I ask for is my money because I have no car are loan. thank you.

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 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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've contacted trans Union several times regarding XXXX XXXX saying I owe them money on collection. 

They may have had a bill, but the date sure as XXXX isn't XXXX. It's probably XXXX maybe? 

Anyway if the date is corrected they will have to drop it off my credit. 

I've submitted several complaints and requests to get it corrected to trans Union as recently as XXXX   XXXX and of course with the government shutdown I had no one to call to get them to fix their mess. 

So let 's get this done

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 2020-11-24
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Comenity Bank/XXXX  is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
PayPal credit. 6 months interest free account. I have a account and have been with PayPal from the beginning in XXXX. I signed up for PayPal credit when it first started up. Problem is the payments I have been making go towards to total amount due and not the oldest purchases I made with a 6month interest free. so the oldest accounts never get paid off on time and interest is charged. I have acumalated several tousands of dollors in interest and no matter what I pay it just keeps going up. When I was making purchases on XXXX PayPal credit was paying for my purchases Evan if I have more than enough in PayPal ballance to cover the purchase. In XXXX I was charged {$990.00} in interest for the year. This year alone almost {$400.00}. my payments now are only covering interest charged. I talked to 3 agents going up the ladder to the top overseer and he attempted to baffle me over with why and when and company policies. he kept apologising over and over and that, as i told him, was admission of wrong doing.

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 2020-10-27
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard pull on my credit report from a XXXX XXXX on XXXX XXXX, XXXX. There was no reason for this pull, as I have never heard of this bank or any of its affiliates. My credit report is already in the " below average '' category, and I would have no reason to do any business with this organization. Therefore either XXXX pulled the wrong report, or a fraud has occurred. 

Again, to be clear, I did not authorize in any fashion a pull of my credit report by XXXX or any of its associates/affiliates. Please investigate as to why this inquiry was performed and a hard pull was done on my credit. I am trying to improve my credit, and I would have no reason to do business with this organization as it is clearly out of my league at this juncture. 

My personal information is obviously very important to me, and I need this looked into. 

XXXX regards, 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 non-monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to XXXX, Transunion or XXXX online, I can not seem to be successful as each one causes an error.

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 2020-11-04
Company: Rolfe & Lobello, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection Attorney Rolfe & Lobello XXXX, FL, claimed they were hired by XXXX XXXX to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy XXXX XXXX to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an iPad was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Summer I became behind on our mortgage payment while in chapter XXXX. We lost 2 subsidies for XXXX children in our care. In XXXX we were able to get back on track. Been paying monthly since. In XX/XX/2020 we received a letter from PHH attorney demanding {$17000.00} with in 10 days or they would release us from our bankruptcy and foreclose on our house. We are XXXX  parents with XXXX babies and also XXXX children we have XXXX  through XXXX  XXXX. My husband and I are essential workers so we continued to work through the pandemic. It was a difficult decision to continue working taking our health and our childrens health at risk. Now PHH wants a large down payment and we have 6 months from that point to pay it off. Are hands are tied but what can we do. We tried to get it stretched further but to no avail. Our bankruptcy attorney wants us to get a third party to help us but with all the layoffs no one we know is in a position to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: CA
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:
When I called Equifax on my new XXXX XXXX XXXX to put a freeze on my account, at the point where are the automated system tests for your identity their system became unable to hear both my voice responses and my keypad responses. One time the system no hung up on me, and another time a customer service person answered and after a minute it seemed like she hung up on me also, perhaps trying to herd me to their online reporting system. 

I would like a Equifax to call me and help me set up the freeze on my account before my identity is stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: COAST PROFESSIONAL INC
State: MS
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 have not received the formal letters nor 30 day notice letter. I called them and spoke with supervisor on the day I received my first letter stating they would garnish my checks from my current jobs. He stated the informed me about this through mail. I asked for address on file and not was one I Have never stayed at. I asked him the schools I went to had my mom address and mine at least they would of gave u the right address. He apologized and insured me he would stop garnishing process and submit the paper for it. He said it would only stop for 30 days and to call back and speak with rep to set up payment plans. He took my current address and said letters would go out. I still have not received any letters but they have taken my tax refund without notice to. They are garnishing my checks and took my refund I can not even afford to live right now that Im being forced to file bankruptcy all because of a company being very underhanding and withholding arrangements for me to be able to pay.

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 2020-09-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I keep receiving repeated calls to my cell phone and to my employer. I specifically asked them last week ( XX/XX/20 ) to stop calling me on my cell and employment and if they want to be in contact with me then to do it by email or USPS. 

Today XX/XX/20, same person called again today at my employment wanting to discuss the debt. I again told him to stop calling me and send everything by USPS, and I had to hang up on him ( XXXX  ). He keeps calling from 2 telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Inquiries I don't recognize

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 2021-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-- SPS ignores and creates artificial errors on fully completed loss mitigations applications in order to circumvent Dual Tracking laws that prevent foreclosure process while a complete loss mitigation application is under review. Attached correspondence from SPS stating that loss mitigation documents have missing signatures or have incomplete pages while copy of loss mitigation application and supporting documentations ( also attached ) show no missing signatures and all pages complete ( no missing portions of pages ). Violation to CA CC 2923. 
-- Attached letter from SPS confirms SPS received complete loan application on XX/XX/XXXX but failed to process the documents provided evidenced by SPS reference to documents being received on XX/XX/XXXX while the mailing confirmed SPS received on XX/XX/XXXX. SPS not properly processing documentation submitted by Borrower resulting in SPS denial of complete loss mitigation application due to negligence and unfair business practices. Violation to CA BPC 17200.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As one of the reported 143 million acknowledged by Equifax to have had my information compromised, I have been trying for days to get Equifax to implement a credit freeze without success. The efforts always end in a terse comment that the request can not be done at this time and to try again later.
I do n't imagine anyone attempting to fraudulently use my information to obtain credit is having the same problem. 
Equifax, who has know about this for weeks and surely had time to anticipate the predictable response and adequately prepare the necessary steps to minimize exposure to fraud, has failed miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
PayPal ran an offer for " Free {$10.00} for any amount of XXXX purchase '' offer. On XX/XX/2021 I bought {$40.00} worth of crypto currency. 

On XX/XX/XXXX, I decided to purchase {$260.00} more of the same crypto currency based on its upward trends. 

On XX/XX/XXXX, since the crypto currency I own was dipping, I decided to attempt to purchase {$100.00} more. After trying, I immediately was notified that my PayPal account had become restricted. I followed the steps provided by them to lift the restrictions. This involved uploading an image of my driver 's license, providing a bank statement, confirming the last four digits of my SSN, and commenting on a recent transaction ( but PayPal did not provide me which transaction to comment on ). 

On XX/XX/XXXX, I was notified by PayPal that all restrictions on my account had been lifted. I once again attempted to purchase said crypto currency, however this time received a notification telling my my account was permanently. Not only am I restricted from using any of their services, but put a hold on my funds for 180 days. 

I called their Customer Service, and ultimately was a waste of time. When I asked for the specific reason why my account was permanently restricted, the man said that information was " Confidential and Proprietary. '' The only anomaly in all of this, was the fact that I had recently installed and been using a VPN service for a reason completely unrelated to this. If PayPal banned me for using their service with a VPN, like I said earlier they would not disclose to me, ALSO using a VPN is not listed in their Restricted Activities and Holds section of their User Agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated below. Thirty days should be enough for you conclude this procedure. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation