BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: SYNCHRONY FINANCIAL
State: WA
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:
I filed an unauthorized transaction on charge I didn't make with PayPal Credit/ Case ID : XXXX. The Response was " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. '' Since this time the terms of my credit allow me to escalate the unauthorized charges, but the system doesn't work and no one answers the phone at PAYPAL.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX- Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2018-09-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Right now I owe a big chunk of funds to the IRS for taxes, and I am trying to collect as much money as possible to pay them, so I am late on my payments with my XXXX credit card. The company closed my account, and they call me throughout the day to talk about my card balance. I have repeatedly informed them of my situation and let them know that I can pay only around {$25.00} until my taxes are paid. 
I understand that the balance needs to be paid. My payments are due on the 21st of each month and I have continually spoke with someone each month about my situation. 
The last time I spoke with an agent was on XX/XX/2018. In the phone conversation, I informed her of my situation. She repeatedly asked to to pay a over {$90.00}, which I informed her at this moment could not happen. I told her that something would be paid. Last month in XXXX I paid {$25.00}. Then I asked will they continue to call me throughout the day like they do, and she apologized and told me no, not until after my billing due date, which is on the XXXX of XXXX. She also let me know that she understands my situation, which the other agent said the same in XXXX. No other resolution was presented. 
The calls are throughout the day, at least 4 to 5 times during the day 9-5,  have began again as of yesterday. I did pick up once, and the person on the other end hung up the phone once I spoke. Today as of XXXX XXXX, I have been called 3 times. Plus I get calls from other phones numbers that are similar to mine. I believe that it may be from the XXXX company as well, routing the call so I would pick up the phone. They told me I would not receive a call from them until after XX/XX/18. I would rather not receive a call at all, especially if they continue to harass me..

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 2020-07-05
Company: Nationwide Recovery Systems, Ltd
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 a debt collection of XXXX $ was reported on my credit report. I had never heard of the company and did not know of the debt. I was NEVER notified that someone was attempting to collect a debt. I was NEVER told that I even had a debt. I was NEVER notified and thus never given the chance to pay the debt before it went to collection. 
Therefore, when the collection showed up on my credit report I contacted the company with various questions. I explained that I did not have any knowledge of the debt and would like something verifying the debt was actually mine. I was told I would get something in the mail and I never received anything. I have no explanation of this debt and no proof it is actually something I am responsible for. The company lied about sending me information. I then tried to dispute the impact on my credit report and contacted the company. Again the company never sent me verification or anything I was promised in the mail, although they were given the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In the past I disputed a collection attempt with Midland Credit Management through the consumer reporting agencies now as of this year 2021 I have been getting court documents for a debt legally Midland doesn't have any rights to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Experian Information Solutions 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:
I explained to Experian that this account is too old to be reporting to my credit report for XXXX XXXX XXXX XXXX. I have requested that this account is deleted from my report but they still report it.

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 2020-11-22
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:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX XXXX {$9400.00} XXXX XXXX ( Original Creditor : 06 XXXX ) {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was sick with XXXX and was not able to make my card payment. I called them to and paid half of the balance off and set it up for automatic payment I ask them to waive the late fee and remove the late payment but it has not been done as of yet. 
Date Reported XX/XX/2020 Payment Status 30 Days Late Amount Past Due {$29.00} Account Details Bureau Name FIRST PROGRESS CARD Account Type Credit Card Responsibility Individual Credit Limit {$600.00} Credit Used 55 % Highest Balance {$330.00} Payment Details Amount Past Due {$29.00} Date of Last Payment Not Reported Monthly Payment {$40.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Account status incorrect

Complaint:
I have a car loan from XXXX XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase has decided to start charging for an addon service that I never authorized. In the last three months i have made multiple attempts to get them stop charging for " Chase ACH Payments Monthly Fee. '' A service I did not turn on nor am I using. I was told the charges would no longer continue, but I am still being cahrged for this service and have to contact Chase every month to remedy this fee. 

To be clear, I at no point authorized this service. I at no point engaged in using this service. Chase has not been able to provide any proof of authorization for this service. Chase has agreed to no longer charge for this service and disable it on my account, but continues to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal does not disclose the amount of transfer fees or time it takes for funds to transfer prior to the customer selecting the transfer option. 
I was charged to send money and it took 7 days for the funds to transfer and was not advised of the fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: Santander Consumer USA Holdings Inc.
State: DE
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 car loan with Santander Consumer USA in XX/XX/XXXX and was voluntarily repossessed in XX/XX/XXXX, since then they have charged off the account but is still adding interest and fees to the account as well as reporting and updating my Credit Bureau each month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Wells Fargo has mismanaged this PPP process and is only funding to those who they can benefit monetarily from. I have been a customer for 5 years, run a small business that moves millions through their systems annually, have an excellent credit score and applied within the first 3 minutes of the link going " live ''. I continue to get the same email daily ( see below ), stating that I am still in " process '' which is false. This institution is crooked and should be criminally held accountable for their misdoings to their customers. I want answers please. 



Wells Fargo Online Wed XX/XX/2020 XXXX XXXX  XXXX XXXX Wells Fargo wellsfargo.com Update on the Paycheck Protection Program We are doing everything we can to help our small business customers navigate this difficult and uncertain time. In that spirit, we want to keep you updated about your application for funding through the Paycheck Protection Program ( PPP ).

Wells Fargo continues to process PPP applications. Over the past week we have mobilized hundreds of Wells Fargo employees and launched new automation and technology to enable us to process more applications at a faster rate. 

You may have heard that the U.S. Small Business Administration ( SBA ) has run out of money to fund PPP loans, and we realize this may be causing you frustration and concern. Given the magnitude of the crisis the country is facing, we are hopeful that Congress will approve additional funds for the PPP. In anticipation of additional approved funds, Wells Fargo continues to prepare customers ' PPP loan applications to be ready for submission to the SBA if and when this occurs. Of course, our ability to fund additional amounts depends on Congress continuing the program and providing additional funds for PPP loans. What this means for you We continue to prepare your PPP loan
application for submission to the SBA based on the information you provided. 

What happens next We will continue to keep you updated on the status of your application by email. 

If you haven't done so already, please complete and return to us any documentation we've already requested from you. This will ensure your application is ready to submit to the SBA, as quickly as possible, if they start accepting applications again.

Since all applications are being handled online, our phone and branch bankers unfortunately will not be able to provide updates on the status of your application. 

These are truly unprecedented times that we know are impacting both you and your business, and we will continue to partner with you throughout this crisis. 
wellsfargo.com | Security Center Please do not reply to this automated email. 
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 2020-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA allowed my ex husband to change my address on accounts his name was never on and were opened after I had moved to my current address. This caused a {$1200.00} check from them mailed in XXXX to never reach me. After a lot of research, they finally admitted the issue. However, I still dont have the check replaced yet. They cant even tell me if he cashed the original check even though only my name was on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My personal checking account has been restricted, because of a ppp loan from XX/XX/2021 I am an independent contractor and was question by the Chase Fraud Investigator why this ppp loan went into my personal account and not my business account. On XX/XX/2021 spoke with Chase Fraud Investigator she told me to bring in my paperwork supporting my ppp funds. On XX/XX/2021 I took the requested documents to Chase to be email to the Fraud investigator. XX/XX/2021 I called her and she said she received my paperwork but then said she has up to 60 days to do her investigation

Company response to consumer: Closed with explanation