BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: Paypal Holdings, Inc
State: WV
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: Card was charged for something you did not purchase with the card

Complaint:
They said it was sent friends and family. That is a gift and no money will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: RGS Financial, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RGS Financial/ XXXX XXXX is reporting that I owe {$560.00} for a cable bill. I have no knowledge of this account nor do I know who opened this account. I have attempted to communicate with the collection agency and they are not compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] RGS Financial has failed to provide a copy of any alleged contract or other instrument bearing my  signature will result in a small claims action against your company. Legally I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I have only received a copy of a computer  print out that reflects an account and XXXX XXXX 's database. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Nissan Motor Acceptance Corporation is functioning under unfair practices that have affected my credit to get a lease thriugh XXXX dealerships in XXXX XXXX in Minnesota. 

The lease was denied under false pretenses in which my credit was suppose to be fixed wit prior complaints against NISSAN for a fraudulent loan on a XXXX nissan Altima. I am referring to denial number # XXXX, from XXXX in XXXX XXXX XXXX Minnesota .... The car was eventually paid off ( IE. NISSAN RELEASED THE TITLE ) and the title was sent to me, however, the Nissan has continued to make it difficult for me tio get a new car and a lease through them. The title was released by them and through their discretion, and the down fall of all of this my credit and inability to get another lease for a brand new Nissan Rogue which would be much cheaper than to purchase a vehicle outright. 

I was denied a lease and also suffered credit reporting 's, therefore affecting my ability to get a lease. the decision that NISSAN made to surrender the title to that vehicle and to also make multiple late payments to my credit report, despite the over indulged equity has cost me. It is false advertising to keep on record a surrendered title to me and to deny me of credit without Ccearing up my credit report and also taking that off of my credit file at NISSAN Motor Acceptance Corporation. In other-wards they are inadvertently admitting that they made mistake with the origination of the car loan, but are not clearing that mistake, therefore having me suffer the consequences of their decision. This inadvertent action is costing me about 5,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$94.00} not mine XXXX  XXXX not mine XXXX   XXXX not mine CXXXX XXXX XXXX XXXX {$280.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I submitted a request to Experian, to investigate errors that appeared on our report with their organization. They were supposed to respond within 30 days. My husband has received his investigation requests, but I have yet to receive mine. We do not understand why they completed his investigation in a timely manner, yet mine is still undone.

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 2021-02-14
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a debt balance with XXXXXXXX XXXX credit for {$3000.00}. This account was opened on XX/XX/2015. The debt was bought by XXXX XXXX XXXX. The debt was purchased by First Portfolio Ventures I LLC. I received a summons from First Portfolio Ventures I LLC demanding {$3000.00}. I requested a copy of the original contract with my signature from creditor. I never received this requested information. The debt buyer provided me bogus documentation with no dates included of the the signed CEO documents. I have asked the debt buyer to prove that this debt with proof and have not received. I want the debt buyer to prove that they were given legal rights to collect the debt on behalf of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: MONEY SOURCE, INC., THE
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Multiple requests have been made from the new lender for the mortgage payoff, The Money Source has refused to cooperate and send over the information while denying that any such requests have been made. Constantly getting the run-around from staff at The Money Source. Rude employees with an abundance of unwillingness to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a cardholder of the XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, since XX/XX/XXXX. In XX/XX/XXXX, I received a limited time offer to receive rewards points for each day the credit card was used during the month of XX/XX/XXXX - no special purchase necessary to qualify - simply use the card each day and all purchase types would qualify. So, I signed up for the offer and used the credit card consistently during XX/XX/XXXXto earn the stated rewards. As of XX/XX/XXXX XXXX XXXX reported ( over the phone on XX/XX/XXXX ) I had accumulated XXXX rewards points from the offer.

Unfortunately, XXXX XXXX is now refusing to provide the reward certificate earned from the XXXX  rewards points. They are stating that as of XX/XX/XXXX the program was transition to a new XXXX   program called All Rewards. The new program is not managed by XXXX XXXX but instead by XXXX XXXX XXXX and is likened to starting over with a brand new rewards program ( per the XXXX XXXX phone rep I spoke with on XX/XX/XXXX ), i.e. no account information is transferred to the new program and a new account must be created to participate. XXXX XXXX ( phone rep spoken to on XX/XX/XXXX ) is stating that they were somehow unaware the points earned previous to the transition would not be credited to the new program.

My concern is that XXXX XXXX, who is servicing a Mastercard ( not just a store credit card ), was the entity that provided the offer in XX/XX/XXXX but is now declining to acknowledge responsibility. Per the phone rep ( on XX/XX/XXXX ) all my points are no longer accessible. I feel that XXXX XXXX 's actions are dishonest and unlawful and that they should be held accountable for defaulting on the offer they endorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account 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 2019-10-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to complain about the experience with Experian and their refusal to assist with the removal of the removal of XXXX XXXX  from my credit report. Even with pointing out their inaccuracies on my report. I had asked for proof to be provided to me on how they validated as the information being reports is false or they are reporting a past due on what is showing as a charged off account and should state {$0.00} past due as the debt was since written off. They fail to do so. They are reporting the term as 10 months in which I included the documentation from closing disclosure which is included. I am hopeful by filing a complaint it should bring awareness to the behaviors they are committing and their refusal to assist with repairing credit. I am sure these creditors pay to add whatever they wish and Experian is allowing it! However my report must be 100 accurate and it is not!

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 2018-01-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting 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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They have discussed my debt with another person. 
They have called in-laws. 
They have called my phone numerous times even after leaving messages. 
They call my phone after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX ****XXXX never late XXXX XXXX ****5445 inaccurate COLLECTIONS XXXX XXXX XXXX ****XXXX not mine

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: JPMORGAN CHASE & CO.
State: TN
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:
On XX/XX/2019 I purchased a storage shed for approximately {$2300.00} from XXXX using my credit card. After 5 days the contractor left a voicemail asking me to call so we could set up an installation date. I left voice messages for them for 5 days and no one returned my call so I called XXXX who also tried to reach the contractor but to no avail. That's when I decided to dispute the transaction on XX/XX/XXXX. Then I immediately received a call from the contractor apologizing and offering incentives to continue with the contract and an installation date was set. So I called the credit card company and rescinded the dispute. About a week later, the contractor called and said my contract was cancelled so I explained what happened and he said he could fix it and the installation was still on schedule. However, they never showed up and have not returned my calls. XXXX says they issued a refund on XX/XX/XXXX but I never received it. On XX/XX/XXXX, I requested that my dispute be re-opened. On XX/XX/XXXX I requested an update on my dispute. On XX/XX/XXXX the bank sent a letter saying the dispute was closed and the charge was valid. please see attached for more details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I signed up for the Interest Minimizer Program through XXXX XXXX XXXX because it sounded like a great plan to save me XXXX on the life of my loan. I was totally misinformed on the cost of the program and and additional fees I discovered they were charging me. I tried to call the company to cancel their services, however they refuse to give me a refund. To top it off they suspended their services because the CFPB filed a lawsuit against them and they temporarily lost their privileges to handle my account. I am looking for help to gain a refund of my money, because the company will not work with me. I am not sure the outcome of the lawsuit, but any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased two items from Macy 's department store. the first was in XX/XX/2019 and the other was in XX/XX/2019. Both items were paid for with my XXXX XXXX credit card. I opened a macy 's in store credit in XX/XX/2019. I paid for the items the same day. When I received the card I never activitated the card. I received payment notices from macy 's I sent copies of my receipt several times. I was told a payment of {$30.00}. was made from my checking account. The number is correct but, I never authorizied the payment. my credit rating has gone down 94 points due to this problem. I made a payment of {$39.00}. yesterday XX/XX/19 to offically close my account with Macy 's after paying the bill I swreated the card. The paying institution for Macy 's is Citibank, NA Department os Stores National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Attached are receipt of payments to Macy 's Department store.

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 2018-11-27
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:
On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the Mandarich Law Firm in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is XXXX XXXX XXXX from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Equidata, 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:
XXXX XXXX XXXX XXXX XX/XX/2018 30 day late XX/XX/2018 60 day late Contacted them, they failed to validate the late payments

Company response to consumer: Untimely response
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/15 I use XXXX XXXX  to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. 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 explanation