BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and XXXX XXXX agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, XXXX XXXX, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX   {$1900.00}XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX   {$450.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: GA
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : PERSONIFY Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
one of the person calling threatening asking my identity and name and social security numbers phone number was XXXX receivable management LLC

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 2018-09-30
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Complaint number : XXXX. 
The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. 


I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. 

The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.

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 2018-04-02
Company: Experian Information Solutions Inc.
State: TN
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:
I filed a complaint with cfpb # XXXX Experian got the complaint closed since they say they are mailing my credit report through the US MAIL.

Do they even have my correct address? What address did they mail my credit report to? They say I got my last credit report in XX/XX/XXXX. If they are using the information from XX/XX/XXXX they are sending my credit report to some random person as I have moved since then hence me wanting to get my credit report on line as it is more secure. Since they have taken it upon themselves to send a hard copy of my credit score and personal information out to some old address and to some random person is Experian going to be responsible for future theft of my identity since it now being compromised by there archaic actions of sending a hard copy vrs letting me get my credit report on line. Again it took XXXX  all of 30 seconds to get my my credit report with verification questions that I could answer. Not some made up verification question about loans and credit accounts I never opened in the time frames they said they where opened. Again this is absurd that a company can collect data about me and not have to reveal it to when I ask. If I ask the FBI to see what ever files they have collected about me they have to show them. The credit reporting agencies need to be fined and held responsible for any financial hard ship denial of credit high interest rates a person suffers from these companies reporting wrong information and making it so hard for someone to get their report. To verify correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I reached out via phone and email to AmeriHome Mortgage to inquire about loan payment processing. Specifically, I was inquiring why my loan payment has been applied at a higher amount to interest than what is outlined in the " Explanation of Amount Due '' for past 12 months? There is no explanation as to the reason on my monthly statement nor do I recall receiving any correspondence. I received the automatic reply from the institution but I have not received a phone call or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America can not show who withdrew from the account, or who received the amount withdrawn from the account. The amount withdrawn was {$9000.00}.

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 2018-04-02
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : ADVANCED COLLECTION Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX  DOB XX/XX/XXXX ADDRESS : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-01-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not helping me getting back up. 
i contacted paypal company but I wasn't able to talk to the person directly and reach a message to them but they wasn't seem helpful about the issue. I wasn't able to withdraw my money {$200.00} on my balance because they permanently limit my account with all of a sudden, i didn't find my account suspicious i explained to them that i travel on our province urgently because of my family member is sick and a cause of changing if my I.P address info of my account. they didn't demand documents or any file to resolve the issue of my account and just said i can't no longer use my PayPal account. But, I urgently needed my Money for my parent 's medical expenses. 
i feel they aren't doing their job and affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
They was suppose to send me a card wit my first unemployment check on it but never got 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 monetary relief
Consumer complaint received 2018-09-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help 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 2020-10-29
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a debit card account with NetSpend Pre-Paid Visa. My card was cloned and my PIN number was stolen. I discovered that my money was cleaned out in the evening that day when I attempted to purchase something and my card was declined. This happened on Sunday, XX/XX/2020. When I checked my account online to see what was wrong, I discovered that 4 unauthorized ATM transactions were made to clean out my entire account between XXXX to XXXX. The total amount stolen was {$820.00}. I was at work when this was happening. I filed a police report that same night. I was at work the entire day and have never even been to the city or county where the ATM transactions had taken place. The ATM transactions took place at a XXXX store in XXXX, CA. The security cameras at the store would prove it. The thief first made a XXXX inquiry on the ATM to see the balance on my account and then once they saw the amount, they made 4 ATM consecutive transactions in the space of 2 minutes ( from XXXX TO XXXX ), cleaning out my entire account! The total balance was {$820.00}! Furthermore, somehow the ATM allowed them to do multiple transactions, which is not normal, as ATMs put limits on the amount of transactions AND the amount of money that can be withdrawn. This serves as further proof of FRAUD. 

NetSpend Pre-Paid Visa is refusing to reimburse me the {$820.00} that was fraudulently stolen from my account, despite the fact that I alerted them less than 24 hours after I discovered that the unauthorized transactions were made. 

As a financial institution, their business practices render consumers finances unsafe in their possession. I have been left extremely inconvenienced, as the money stolen was from a direct deposit paycheck and I have outstanding bills to pay. 

They have the burden of proof and have failed to protect me as a consumer. I am not liable or responsible for these fraudulent transactions. A consumer 's finances are not safe in this financial institution.

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 2018-09-18
Company: Experian Information Solutions Inc.
State: TN
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 sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.

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 2020-10-14
Company: Netspend Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I wanted a net spend card because I moved into a new state and has. No identification for employment purposes. I asked a friend to order the card usinf her address but u never received my netspend cash app or pay pal 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
Consumer complaint received 2020-10-29
Company: WELLS FARGO & COMPANY
State: NJ
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 signed up for this card in late XXXX. The offer was for {$500.00} bonus cashback after spending {$5000.00} in the first three months. I completed these requirements in XXXX. 
I was told to wait another month. Then I was told to wait 60 days after the 90 days were up. It's the end of XXXX, I've received nothing.

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 2018-04-02
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-10-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything. 

Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more.

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