BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: MS
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 reporting agencies are reporting information that belong to someone else.

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 2020-08-30
Company: Atlanticus Services Corporation
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Fortiva Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed Fortiva Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and Fortiva VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, XXXX  decided to REMOVE this entire account from my credit report although Fortiva has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to XXXX  multiple times and Fortiva multiple times and the account is still not reporting to my XXXX  file. I have paid this account and would appreciate if it could reflect my payment history greatly on my XXXX  file. 

Equifax claims it's an issue with Fortiva, Fortiva claims it's an issue with XXXX. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND FORTIVA AND XXXX  CONTACT EACH OTHER DIRECTLY! 

FORTIVA RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Retail Credit account. Your correspondence expressed concern that you would like for your Fortiva Retail Credit account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a Fortiva Retail Credit account to finance a purchase in the amount of {$2400.00} with Vivint Smart Home. The Fortiva Retail Credit account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay  more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued Fortiva Retail Credit customer. Sincerely, XXXX XXXX On behalf of Fortiva Retail Credit* XXXX XXXX  XXXX  XXXX  is the creditor of the Fortiva Retail Credit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX used car financed by Wells Fargo Dealer Services. The price of the Honda was $XXXX,XXXX. I put down $XXXX,XXXX cash and was left with a balance of $XXXX. I tried to make arrangements to pay off the balance within 60 days but instead I was forced into a loan agreement. Monthly payment for $XXXX with a interest rate for XXXX.XXXX. I was extremely afraid and I put total trust in the dealer. I was automatically enrolled in XXXX coverage for a financial obligation over a year. I had a accident while I was covered and I was denied insurance benefits although I had been paying for insurance coverage monthly with a$XXXX   increase in my payment every month. The damages totaled $XXXX to repair the damages and I paid the total claim from out my pocket. Depleting my funds to pay off my used vehicle. I was forced to go bankrupt with such inflated prices and fees I lost my car and I had to pay off the balance of $XXXX XXXX XXXX. I have been a victim of unfair lending practices and experienced discrimination EOCA. My terms were much more expensive than a XXXX friend I referred in the same situation I am. Where she only put down $XXXX loan payment of $XXXX  with an interest rate of XXXX.XXXX. Due to discrimination and unfair lending practices, I lost everything that I worked for my entire life. I have not had a vehicle ever since Wells Fargo robbed me of all I had. I am in the process of informing UNITED STATES TREASURER and file civil rights lawsuit against Wells Fargo Dealer Services.

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 monetary relief
Consumer complaint received 2017-08-03
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A COMPLETE modification package was sent in on   XXXX   XXXX  -2017. Please see attached email/Proof. Nationstar confirmed they had the modification package.
On  XXXX - XXXX -2017 Nationstar stated they would NOT review the file as the sale date Of  XX/XX/XXXX  was too close and 37 days was needed for them to review the file.
The sale date was postponed until   XXXX   XXXX   2017 by Nationstar, yet Nationstar refused to review the documents that were initially sent in on  XXXX - XXXX -2017. We spoke to a Nationstar regarding this issue and they refused to do anything!!! It is very apparent that Nationstar is discriminating against   XXXX   XXXX   based on his race, ethnicity, language, national original. There is not tangible reason why the review process was NOT started back in   XXXX    when Nationstar first got the file. Our office has been disconnected on several occasions by Nationstar employees. The poor communication from Nationstar clearly indicates they simply does not want to review the file for a possible work-out solution. By unreasonably and unnecessarily delaying the modification request,   XXXX   XXXX   continues to get farther and farther behind on the mortgage payments. Nationstar denied the workout request based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution to save the home.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation in a meaningful modification review of Homeowners file indicates a preference to profit directly from his hardships.
At this time, we are demanding the sale date be postponed to continue the review or   XXXX   XXXX   will assert his legal right in district court naming  XXXX  as a defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.

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 2019-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient refuses to issue a paid in full letter. They refuse to let the creditors know the account is paid in full and closed. When I call they tell me to give them another 45 days and this isnt right. Im thinking theyre trying to accrue interest in the mean time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: NV
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:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX/XXXX,XXXX   XXXX, XXXX XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA
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 have been trying to negotiate a debt settlement with my original credit card company ( XXXX XXXX XXXX XXXX XXXX ). In the midst of this negotiation, I received a notice from that original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( Stoneleigh Recovery Associates ), telling me that I need to send payment to Stoneleigh. I sent them a verification letter on XX/XX/2019. To date ( XX/XX/19 ), I have only received copies of my credit card statements and a notice stating that Stoneleigh was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has determined this card as fraud and to my knowledge has let Bank of America know of this fraud. Bank of America still refuses to admit this credit card as fraud despite several attempts to prove that it is fraudulent.

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 2018-07-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I owe Wells Fargo around {$10000.00} on a personal line of credit. the loan is 150 days past due. I am XXXX years old, XXXX and on a fixed income and can not pay the payments. I recently had a family member mention that they could possibly give me a small loan to settle the account if I could reach a reasonable settlement amount. I talked to Wells Fargo collections on XX/XX/2018. I asked to discuss a settlement for the account. As always when I talk to them they wanted a payment of over {$1000.00} and to set up a long term payment plan and said that they would not settle for any agreed pay off and she transfered my call to something that I think she called a hardship department. Another rep started talking to me and it was the same conversation about me paying a smaller amount than the {$1000.00} ( no specific amount ) and a long term payment plan. I told this rep that I need to discuss a settlement to fully close the account. He also told me that they they do not settle. He asked if I could get money to settle then why could I not pay their payment. I told him that if I borrow the money to pay him and the payment plan that I would have to deal with paying 2 loans. If I pay the Wells Fargo loan off then I would have one payment. He also indicated that I could be hiding income sources from him. It appears that Wells Fargo is taking advantage of people by forcing them to take a product that they don't want by not giving a choice.

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 monetary relief
Consumer complaint received 2018-02-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was never provided a date, time or location of the sale of the car. Also I was not given any notice or way to collect my personal property from the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal processed a charge for {$67.00} from a company in XXXX that was selling a holiday projector that would project images of Ghosts for XXXX and XXXX. It was advertised to be like the XXXX model ( see attachment ) but with the addition of a screen. The package was advertised as a bundle and delivery was guaranteed by XX/XX/2020. The package did not arrive by XX/XX/2020 as promised and I filed a refund request with PayPal this was denied because PayPal claimed that the seller had sent the item. Yesterday the item did arrive but it is not what was ordered -- instead it is a cheap light that can illuminate a house at night ( they are available at XXXX for less than {$20.00} ). 

These are the details of the case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/XXXX, I made 2 purchases of digital currency through Coinbase. On XX/XX/XXXXmy debit card was re-charged for these same purchases. Coinbase recommended that affected customers seek charge reversal through bank, which I did and my account was re-credited for only the duplicate charges. On XX/XX/XXXX, I was told by Coinbase that my account was locked until I completed payment for 2 purchases. Those transactions in question were the same transactions completed in XX/XX/XXXX, that I was double charged for in XX/XX/XXXX. I sent reference codes for purchases, and bank statements proving payment to Coinbase support specialists. They only reply to tell me that my account will be unlocked upon payment. I have already paid for these transactions and refuse to pay again ( {$530.00} ). My account is locked with {$1300.00} USD that they arent allowing me to access or withdraw from their exchange. I have sent them all necessary proof of payment and still they tell me to complete purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XXXX with all the relevant information they needed to verify my claims but the funny thing is this fraudulent inquiries are still showing on my credit report way past the three days allowable days to delete/block this data. 

please delete this erroneous inquiry from my report asap : XXXX XXXX -- - PULLED LAST XX/XX/ XXXX : PLEASE NOTE the following tax liens have been withdrawn from court 2 weeks ago, there is no record of these liens any longer, please delete accordingly : STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # 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 2020-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XX/XX/2020/ and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX IXXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-07-07
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Franklin collection shows I owe {$1300.00} on an account opened on XXXX for north Mississippi ambulatory. I was not even living in north Mississippi at the time this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Am seeking info on how to contact the financial institution Synchrony Financial. My PayPal Extras MasterCard is issued by Synchrony Financial. I called PayPal to request a replacement for a lost/misplaced card. PayPal " XV2 '' agent reviewed my recent charges for month of XXXX. A {$1.00} charge to " Card Security '' on XXXX was the only transaction. I did not make that purchase/charge and I did not sign up for a recurring or subscription to a card protection service for this credit card. 

PayPal agent did not see any prior charges to this " merchant '' in my PayPal account history. She had no transaction ID or any reference to the charge, just a telephone number XXXX. The PayPal agent flagged the {$1.00} transaction and marked it as suspected fraudulent charge and cancelled that PayPal Extras MasterCard number and ordered a new card to be mailed to me. 

I attempted calling the number associated with the charge twice, once per day on XXXX and XXXX but received " we are currently closed '' message. 

I was able to make a phone connection this morning [ XXXX ] to what I suspect is a call center. First agent would not answer my question, " Where is Synchrony Financial located? How can I contact them regarding my account? '' I was asked for my full name, last 4 digits of my card number and my address. I repeated my question and told the agent I wouldn't give that information in order to simply contain the company 's contact telephone number. I terminated that call and went to a website given on the pre-recorded announcement, www.mycardsecurity.com. On that website, a number for Benefits Representative of XXXX was given. 

When calling that number, got another call center who also asked for my name, address and account info and would not give me the Synchrony Bank contact info. He said that their company HQ is in XXXX, GA. This agent said he could look up my info with my Zip Code. When doing so he said I had signed up for the card security in 2009. This could no the possible because I did not even have a PayPal account in 2009. 

XXXX search for Synchrony Financial states headquarters is in XXXX, CT. I suspect that the Synchrony Financial website may have been spoofed. I would like authentic contact information for Synchrony Financial to speak with someone about the alleged " Card Security '' service. I am concerned that the the {$1.00} charge to my PayPal Extras might have been a " ping '' to verify an active card.

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