BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: COAST PROFESSIONAL INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never owed a debt to XXXX XXXX university. I canceled enrollment way before the refund date and therefore never owed them money. More than a year later I received a call from coast professional to pay the debt which I don't owe. I explained how I didn't owe it to the representative and she agreed to look into it. I never heard back from coast professional after then. Almost 6 months later I received an alert from my credit report saying a derogatory account was added from coast professional. I was given No warning and I was under the impression everything was taken care of. The results have cause credit card to lower limits and raise interest rates. I intend to sue.

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 2018-04-12
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 received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX  on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX   and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.

Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.

Contacted Experian to dispute the account.and was told that XXXX  would respond within 30-days.

Received notice from Experian that XXXX had validated the account and the dispute was canceled?

Contact XXXX XX/XX/XXXX: Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.

Contacted XX/XX/XXXX - XXXX ( XXXX  SoCal Rep ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.

ContactedXX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX  ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.

ContactedXX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX XXXX by email of the latest info I had on the case.

Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.

EmailXX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Paypal Holdings, Inc
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX money was sent via Paypal Friends and Family to someone we knew to purchase a lawn tractor. It turned out that person 's account had been the subject of identity theft and we were not actually buying a lawn tractor. 

This was reported to Paypal as well as my Bank and Credit Card companies on XX/XX/XXXX. My bank and credit card both had simple processes to speak with a person, explain the situation, and have the transactions blocked- however PayPal appears to have processed the transfers regardless of the notification.

Paypal is now attempting to collect a {$200.00} debt based on a transaction they know was related to identity theft and refuses to resolve the situation.

In short, given that Paypal was notified within 24 hours of the transaction, they had plenty of time to recoup their funds from the recipients account. Instead, they are furthering a fraud and identity theft scheme by attempting to collect debts from it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
During the month of XX/XX/XXXX, I submitted an electronic dispute to Trans Union via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that Trans Union received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.

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 2019-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have consulted and entered into a debt counseling agency XX/XX/XXXX. The debt counseling agency has been helping me settle my debts and Wells Fargo credit card is one of the accounts. 

I also have a checking and savings account with Wells Fargo Bank. The debt counseling agency has been in communication with Wells Fargo over settling my credit card debt. 

I received a summons from an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdated XX/XX/XXXX This summons was given to Debt counseling agency and they are working with Wells Fargo. Wells Fargo ignored the debt counseling agency 's negotiations and not willing to work with the debt counseling agency so in turn they garnished my ENTIRE paycheck including my wife 's. 

XX/XX/XXXX, Wells Fargo garnished my ENTIRE paycheck and also my wife 's paycheck and left us with {$1000.00} to live on. I have a house mortgage, utilities, food that I am not able to meet to survive and now in financial hardship. They went into our checking account and savings account and took a total of {$2600.00} all in one chunk. Wells Fargo did not notify us that this will happen and ignored the debt counseling agency 's negotiation.. 

I am in utter emotional distress that Wells Fargo was able to do this when we are in a debt counseling agency and willing to pay Wells Fargo for my debt incurred. Wells Fargo jumped the gun, was greedy and just wanted to take the money without regard for the consumer and their personal living expenses. 

According to the garnishment law, they are suppose to only take no more than 25 % of the paycheck and not entitled to take the ENTIRE PAYCHECK and my wife 's too. Because we have a joint bank account they helped themselves and stole all our money. 

It is criminal Wells Fargo Bank would help themselves to our bank account. I will no longer bank with them since I know they are under criminal investigations for other bank fraud. I also checked my account and now they charged me for hidden charges which leaves my account at a negative balance. The attorney working with the debt counseling agency knows who we are.so I am not attaching any documents. Please help me get our many back from this scrupulous, dishonest, shady money hungry tyrants.

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 2019-02-24
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}. 
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Midland Mortgage Co. Issued me pay off excess check in the sum of {$1300.00}. I notified Midland Mortgage Co. That I did not receive the check nor was it cashed I was told that I could not receive a replacement check by Midland Mortgage Co. representatives. My claim was made well within a 5-year period requried by federal law. I have contacted Midland concerning this matter consistently throughout the years. The retention of a copy of this check was verified as recently as XX/XX/XXXX when I spoke with Midland Mortgage Co personal concerning this matter supervisor XXXX XXXX was made aware of the conversation. 

My wife found the misplaced check which was never cashed, and she contacted Midland Mortgage Co. in an attempt to resolve the issue. Mrs. XXXX presented check numbers and other identifying information to Midland Mortgage Co in hope that this would assist in resolving the matter. She was rudely laughed at by a Midland Mortgage Co. representative and told the company would not issue another check which constitutes criminal theft. I have formally contacted multiple departments via mail and fax at Midland Mortgage Co. on numerous occasions. In a call that occurred in XX/XX/XXXX a customer service representative confirmed she could in fact see record of the check for {$1300.00}. The representative stated she saw no signs of the check amount in the unclaimed funds account of Midland Mortgage Co. In response, I stated that you also should be able to verify that the check was not cashed, and she agreed. I have kept detailed written transcripts of conversations with Midland Mortgage Co. concerning this matter as well as the physical check copy. I am prepared to pursue legal action if the company will not respect my attempts to resolve this matter amicably.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, 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 was notified on XXXX XXXX XXXX that there was a change of address linked to my Zales/Commenity credit card. 
On XX/XX/XXXX I called XXXX and they were closed On XX/XX/XXXX I called Zales/Commenity Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called XXXX again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called Zales and they couldn't find anything again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As of XX/XX/2019, ( this year ) I wanted to work on my credit or at least find out why I had no credit. I applied for the Annual Free Credit Report from Equifax. After answering all their questions, they displayed a notice on the screen saying I could not receive my credit report. I then called the number and talking with multiple people, verified whom I was, once again said I would have to mail my Social Security Card and Driver 's License to them to verify physically I am myself. But, after reading about their neglect and abuse and MANY BREACHES of information, I Honestly do not TRUST THEM ANYMORE with ANY OF MY INFORMATION ON FILE. And how do I know Equifax will NOT LOSE THIS INFORMATION AS WELL. I HONESTLY WISH I COULD JUST WALK IN A PHYSICAL BUILDING, present my ID, Fingerprints, and ANY OTHER FORM OF IDENTIFICATION that they may need or already have on file, but to just blindly keep giving Equifax ALL OF MY INFORMATION, POSSIBLY TO KEEP LOSING, YET, I STILL HAVE NO CREDIT REPORT MAKES NO SENSE. TONIGHT I TRIED AGAIN TO SEE MY CREDIT REPORT, AND ONCE AGAIN, DENIED. 
I have luckily been able to see my XXXX XXXX through XXXX through XXXX   XXXX, and Honestly if they had Not helped me at least with that, I would have given up on trying to fix my credit or even apply for any. 
Personally, I think Equifax is a DISGRACE to our economy.

Many hard working people are trying to fix their credit, yet the one job Equifax has ( well 2 ) # 1 KEEP OUR INFORMATION SAFE and # 2 MAKE THAT INFORMATION AVAILABLE TO THE CONSUMER UNDER FEDERAL LAW.

YET, # 1 My information was NOT KEPT SAFE and # 2 My INFORMATION may or may NOT have been given to a criminal to buy a house, a car, open credit cards and various other criminal acts, but Equifax refuses to help me to solve this issue. Instead, they want me to buy their consumer protection monitoring kit but, still will Not tell me if someone has bought a house, car, ect. IN MY NAME!!!

I Called the police about this, and they said I needed a credit report from Equifax to verify this, to press charges, but here we are again, with Equifax giving me the run around about my credit report.

I have NOT BOUGHT A HOUSE OR CAR LIKE THE QUESTIONS EQUIFAX KEEPS ASKING ME AND THEN TELLING ME, I GOT THE QUESTIONS WRONG, SO I CAN NOT GET MY REPORT. What do i do?? And if EQUIFAX JUST MADE UP THOSE QUESTIONS TO TRY TO TRICK ME INTO THINKING MY INFORMATION WAS HACKED, JUST TO SELL ME A MONITORING PACKAGE, AND IT LEAD TO ME FILING A FALSE POLICE REPORT, WORRIED ME FOR MONTHS, THEN HOW IS THIS LEGAL???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.

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 2023-09-12
Company: EQUIFAX, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/26 I am trying to transfer the remaining balance on this card to a reasonable rate card. I have paid down from XXXX to XXXX and would like to move the rest. A couple of years ago XXXX XXXX eliminated my credit balance so I destroyed the card but continued to pay the card on time each month. Without the card, I do not have the account number. I assumed I could go to the website and get my account number. The web site only has the last 4 digits and does not have an alternative account number to the Credit card. So I called customer service to get the account code, they stated that they could not access the account code either. They offered to re-issue the card but since they closed the account when the set the credit limit to XXXX - they could not reissue the card. THEREFORE I AM OUT OF LUCK. I assume since they so not have the ability to give me my account number they no longer are expecting payment. Please verify.

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 2019-03-19
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Late last year, I received a letter from a collection company called Phoenix Financial stating that I owed {$1200.00} to a company called XXXX XXXX XXXX. Shortly thereafter there appeared entries on my XXXX and XXXX credit reports as well. I contacted the collection agency via is mail in XX/XX/2018 asking for specific information about the alleged debt, as I had never heard of any of the companies involved and in no way felt it could be owed by me, and that if they could not verify the information as requested the were to cease communication and remove the credit reporting entries. To date there has been no further communication from Phoenix, yet they still fraudulently continue to report the account that isnt even mine to the above referenced reporting agencies. I would be happy to provide you with a copy of the letter that I mailed back in XXXX as well. Please have this company stop reporting an account on my reports that doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NC
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 am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on 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 2021-01-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a card with CITI in XXXX of last year knowing I needed to replace the roof on my lake house and planning on using the 0 % balance transfer to help. I was approved for a card with a {$6500.00} limit. I transfered XXXX over to it. Then I proceeded to pay it down each month. This month I made a large payment that brought my balance down to {$1900.00} and some change, the day after clearing they lowered my limit to around {$2100.00} dollars. 
As a direct result of me carrying a high balance on that one card my credit score had been lowered due to the usage percentage, and when I made a payment to raise it back up they lowered the limit to make it worse than it was before. 
I contacted them via phone and was assured they would reinstate my old credit limit as I had never missed a payment and always paid more than the minimum amount and there was no reason to lower my limit. A few days later I received a message saying my increase was denied. 
I contacted them again today and they can offer no further help.

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