BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
Equifax XXXX XXXX XXXXXXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This regards BMO bank. On XX/XX/XXXX, I deposited my paycheck via their mobile app. It was flagged as fraud and they froze my account. I had to call in several times with each time being over an hour wait. Ultimately, I was told that the deposit was flagged as fraudulent and that it would take 7 business days to clear up. Today is XX/XX/XXXX and my account is still frozen.

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 2023-04-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries on my report that don't belong to 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 non-monetary relief
Consumer complaint received 2023-12-07
Company: United PanAm Financial Corp.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report XXXX XXXX XXXX united auto credit co XXXX automotive credit corp XXXX untied auto credit co XXXX automotive credit corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Southwest Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX, ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a MVN from XXXX. XXXX ) original service provider [ XXXX XXXX XXXX ], 2 ) CarrieXXXX [ XXXX  ], XXXX ) current creditor [ XXXX XXXX XXXX XXXX ], XXXX ) Current collection agency [ Phoenix Financial Svcs, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXXXXXX XXXX  ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says Phoenix will handle the dispute. The fourth, Phoenix, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. Phoenix rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to a dealership in the XXXX called XXXX  XXXX XXXX price was {$18000.00} for my white XXXX XXXX XXXX that I still currently have for 3 years. Put down {$12000.00} when purchased. My credit sore at the time was poor so they insist that if you have someone else to put the car in their name I called my wife asked her she give me the ok. She sends me a picture of her Pennsylvania state ID card and social Security Number and ask whats your down payment I tell them {$12000.00} heres where it gets tricky for me, ok now they tells me we have the rest so I say ok happy about to get my new, used car. They have me in there for 6hours dont tell me anything any day dont worry your going to be on your way soon with your vehicle.. Im even more excited than they come to me 30 minutes later and ask can my wife come and sign the paperwork I called her and she couldnt so then I got a little upset plan down the drain thats when another 30 minutes waiting they take me on a ride let me know the car is fine hand me paperwork and my keys and say were all done.. So I look at the paperwork next day and I called the bank that gave me the loan ( Credit acceptance ) ask for my principal balance because I didnt understand why the vehicle bumped up so high they tells me the purchase price was XXXX XXXX XXXXXXXX which is not true at all then I asked why the rate is 23 % they said take it up with your dealership I go to the dealership and they tells me once the bank give them the money is nothing they can do take it up with the bank so I looked at it like I going to be difficult now.. so I kept the vehicle until this year I search the internet and finds credit acceptance being sued and for the same things Im having trouble with it was god sent I requested a payment history from XX/XX/XXXX - Current Im paying and been paying {$650.00} a month

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 2021-02-07
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Afternoon, I was sent numerous letters from TRS Recovery Services , Inc., regarding two alleged transactions that originated with XXXX XXXX : XXXX ( XXXX ) for {$100.00} XXXX ( XXXX ) for {$50.00} The current creditor is listed as " TeleCheck Services , Inc. '' However, at no point has there been outstanding debts with that company. I reviewed my bank statements and my deposits/withdrawals with XXXX, and there are no discrepancies. I spoke with XXXX XXXX, the alleged original creditor, and was told that there were no outstanding debts and that I should ignore this request. 

However, I am still getting letters from this company and would like to report them for fraud and misleading practices. 

Please let me know if I can provide any additional 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 2022-12-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account has been locked and they are holding roughly {$1000.00} of my money and will not release it to me. 

They gave me no reasoning for doing so and have evaded dozens of attempts at working with me to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

Experian My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than XXXX address listed when I requested the others are wrong and should be removed, I have sent t

hem my SSN card and Driver 's lic as requested. 2. Two fraudulent collections are currently on my credit report. I would like signed proof from both accounts with my signatu
re giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXXXXXX XXXX XXXX ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late. 

XXXX My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX Acct # XXXX XXXX : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX 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 2020-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have written to XXXX three times requesting proof that that I was late in XX/XX/2019. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

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 2023-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/2023 I received one text msg from Wells Fargo regarding activity on my card, one charge in the amount of {$59.00} at XXXX and a second charge also at XXXX for {$44.00}, same text message. I contacted the card and informed I did not make those purchases. I was told they would send a new credit card, it would take between 5 to 7 business days for the new card. on XX/XX/2023 I received another text message, two new additional charges with the last 4 digits of the a card number that I don't recognize. One charge in the amount of {$82.00} and another charge in the amount of {$59.00} both to " adobe ''. Called the credit card again informed that I still don't have a new card and this " new card '' was never activated and questioned how can a inactive card can be charged. I was informed by their fraud department that these were recurring charges. I do not have recurring charges on the old card and still didn't activate the new card. Same call, the fraud department then informed this was a charge the fraudsters tried to place on the old card and somehow associated with the new one. Again this " new card '' which I don't even have the number was never activated. I can't confirmed if a new card account was opened or if this is the replacement card. Checking the account online still asks me to activate the new card never received. Again a this new card supposedly was cancelled and again a new card will be issued. This is a recurring fraud happening where the information is being passed to the fraudsters with the new number before the card holder gets the card. I asked several times how this can be prevented and was informed the " issued '' was taken care since the cards gets cancelled. I also questioned how can a a card have a charge if it was not activated if this is in fact the replacement 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 2023-03-09
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX. XXXX, NH XXXX Phone # XXXX I entered the CARES ACT forbearance XXXX related relief program which was XX/XX/XXXX. I was able to pay mortgage until XX/XX/XXXX. CARES ACT program begin to pay from XX/XX/XXXX, until XX/XX/XXXX, with extended do to XXXX issue from CARES ACT forbearance XXXX Extension. I was scheduled to start making regular payments on XX/XX/XXXX. When I received bill, it stated that I owed XXXX for XXXX, XXXX, XXXX and XXXX. I was only prepared to pay {$1100.00}. XX/XX/XXXX, which was confirm by PHH. PHH did not want any payment unless I paid 3 months back. I made sure this account was verified through CARE ACT forbearance XXXX program every 3 months and was approval by calling in and staying connected with PHH. So, when I called concerning this amount, they told me someone will be calling in 25 to 30 days later to solve issue. They finally gave me a trail period in XX/XX/XXXX. PHH said trail {$1100.00} payments are due for 3 month and no later than 30 days pass each month. I paid for XXXX and XXXX and PHH sent back payment for XXXX and said payment was not sent in and cancel trail period and sent monies back confusing I know. 
This company have been dragging me alone every 30 days saying that there are going to put me in a modification plan it's been 7 months. At this point no modification and no trail periods. NOW I owe over {$10000.00}. on my home. PHH have deceived me into this situation. Please help. 
NOTE : From XX/XX/XXXX, I have called in every 3 months to verify payment to be paid or approved to move into an account like a second mortgage will be held without penalties unto XXXX with no fees or penalties under the CARES ACT forbearance program. PHH have deceived me into this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2018-10-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was completing a purchase on the XXXX XXXX website and it stated I was pre-approved for a credit card and could take 20 % off my purchase today. I clicked on the link which directed me to XXXX XXXX to complete a short application. I was approved for the XXXX XXXX VISA credit card and it stated to click the link to return to XXXX XXXX to complete the purchase and receive the offered discount for getting the card. The link did not work and provided an error message. I called XXXX who said they could not help or provide me the account number to complete the purchase and receive the discount that was offered that day for opening a card. They advised I would have to wait for the physical card to arrive in the mail then make the purchase and call them to get the 20 % discount. They sent me the card in the mail and I was was about to make the purchase and find out the card was shut down. I would have never opened the account if they had not offered the discount for applying during the checkout from XXXX XXXX and saying I was pre approved and it would all happen instantaneously. Now I have a hard pull on my credit bureau and also no discount for my purchase or a open credit card. They lured me with the pre approval and discount and did not follow through. I want the hard pull removed as they lured me to apply under false pretense.They are in breach of the initial contract which allowed for purchase and discount during checkout on a pre approved card that I was approved for and the link to complete the purchase did not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to pay the full statement balance of my Wells Fargo XXXX XXXX credit card today and the website was unable to inform me what the payoff amount for the statment was. I had already made a payment to avoid going over the credit limit and there were several refunds that had posted to the account before the end of the statment period. The website would only provide me with the total payoff amount ( which includes current purchases that are not subject to interest until the new statement period ). 
Every other credit card I have gives me three options, the minimum payment, the statement payoff amount and the total payoff amount. Wells Fargo does not provide you with a running total of the statemant payment amount.

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