BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/17, I used PayPal to pay for tickets to playoff game totalling {$400.00}. I paid for the tickets but never received them. I tried to call PayPal with 15 minutes of making the payment but there was a 1.5 hour customer service wait so I opted for the call back. 1.5 hours later I received a call and spent 2 hours and talked with 3 different people ( 1 customer service, 1 something else, and 1 fraud department ). I was told by a representative of PayPal to call my bank and stop payment which was successful. I was also told by PayPal that  if they did n't receive funds from my bank that they would look to seller/receiver of the funds to return the $ and not me. I was told it would n't impact my account and there would be no penalty or fine on my account. Subsequently, my account was put to credit and collections so all the information provided to me by a representative of PayPal proved to be incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: CT
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:
This company is Equifax and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX  or XXXX date They also show as closed but it was paid in full on the transunion account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with 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 2018-03-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX 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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I bought diamond earings from XXXX XXXX. They refered me to a third party bank for a credit card. The bank is Comenity Capital Bank. I was told by the bank that my credit card was mailed as well as statements. I have recieved none via mail. I want to pay the balance but the bank will not give me my Credit Card Account number. so I can register to pay online. I have not receieved any statements. The bank is saying to give them my bank account checking route number to pay the balance. I have no way of protecting myself of fraud if I send them the money. Can you help me. All I want to do is pay the balance and close this account. This bank is a fraud. I read many complaints on XXXX regarding the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: National Credit Systems,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:
Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to contact Ford Motor Credit. I have an account with them. Account information is : ACCOUNT NUMBER : XXXX, MAKE AND MODEL : XXXX XXXX XXXX, OPENED ON XX/XX/2019, HOGHEST BALANCE {$11000.00}. I have been turned down from several lines of credit because of their error. 

They are reporting a late payment pn XX/XX/2019, which is not accurate. 

They are being negligent, unfair, and also they have failed to investigate my dispute that was sent back on XX/XX/XXXX. 

I am opened to discuss this with Ford, rather by email. 

Please send the attached documentation to Ford Motor Credit. 

Thank you, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: WAKEFIELD & ASSOCIATES, 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:
Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX, I was going to school at the local XXXX  college for my XXXX XXXX XXXX classes. They did not have Public funding for Student Loans in that Summer, so I had to get with a Private Student Loan company " XXXX XXXX XXXX XXXX XXXX '' to get a loan. 

They have been trying to get their money from me ever since, which I don't have a problem with because I Know I owe them money and I will pay once I start working. The problem is that I had a baby in XXXX, XXXX and now I am a XXXX XXXX XXXX XXXX. So I am not working. 

They have taken our case to Civil Court with XXXX County. The Case # is XXXX-XXXX-XXXX-XXXX in the Civil Division. My bank which is Fifth Third Bank send me the court document. It was a " Writ of Garnishment ''. So they got into my Bank Account and froze XXXX on XX/XX/XXXX. The garnishment order is for {$2900.00} but I spoke to XXXX at XXXX and XXXX PA in XXXX XXXX FL and I talked them down to settle with me for {$1500.00}. 

I really do want to pay them, I just don't have the money right now. I could possible pay monthly for $ 30- {$40.00} a month but I don't think they are going to accept that, so what can I do? I need HELP. Representation someone that can verify that to them that I am a XXXX XXXX XXXX XXXX for my son and that I am not able to pay right now except $ 30- {$40.00} a month, but I plan on getting a job as soon as my son is a little older, like 4, so in XXXX I can pay more. 

But I don't think it's fair that they are Garnishing what little money I have to Live On. I get {$200.00} a week from my Mother for Living expenses for my son and I ... ..I can not give them that money. I need it to Live on. My fiance pays the bills and he is not responsible for MY EDUCATION EXPENSES, I am. And I do promise to pay in the Future or even a little now for good faith. What can I do? 

I am definitely in a predicament. 

My Representative at XXXX and XXXX is " XXXX ''. The number there is XXXX XXXX XXXX XXXX. Her extension is XXXX. We spoke around XX/XX/XXXX about settling for {$1500.00} but after further thought I am not able to because that is money I need for my Wedding in XXXX. 

Can you please help? Call me at Home if you can XXXX XXXX XXXX or my cell XXXX XXXX XXXX. 

Thank You! 

XXXX XXXX XXXX '' XXXX XXXX former student

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Please reference the letter that I am attaching, that was sent to Equifax on XX/XX/XXXX. I asked them to investigate errors on my report and respond. They were supposed to do that within 30 days, but I have not received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I needed some cash to pay some bills was down to no money to make it so searched to see what help I could get, saw this loan company on-line and telephoned them, the guy I spoke with walked me through the process and said he could run it to see how much I could get approved for, he came back on the line quick and said I was approved for the {$750.00} the highest limit they have and that my payment would be around {$110.00} per month, I had to electronically sign documents in which I was not aware that I was signing something with a APR of over 600 % until I received an e-mail for my payment for XX/XX/XXXX to come out and it was $ 257+, I almost fell out, how I get from {$110.00} a month to almost {$300.00}. I made one payment of {$110.00} for XX/XX/XXXX but my XX/XX/XXXX bill will be close to {$300.00} outrageous. 

This guy from speedy cash never disclose the APR amount to me over the phone and nor did he tell me I needed to read all of the documents before electronically signing I was under the impression that my payments would be {$110.00} every month because I kept asking him is that what my payment would be per month and he was telling me yes so I went on and sign the documents thinking I am agreeing to the {$110.00} payment per month and that 's all. 

I contacted Speedy Cash on XX/XX/XXXX and spoke with a lady to stop my authorization of payments she was saying that I needed to send an e-mail to them in which I did but I will still need to make payments in another manner and that the payments wo n't always be the same every month sometimes higher sometimes lower, I told her I thought the payment would be {$110.00} every month because the guy who processed my application did n't tell me any different she said I was supposed to read documents and I told her I was on the phone with the guy and he did n't disclose to me that I needed to. 

I think I was falsely informed on the phone in thinking my payment would be {$110.00} a month and now it will be triple and I ca n't afford to pay it and I told the lady that this morning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at about XXXX pm I got a call from Wells Fargo XXXX department asking me if I did an advance from my Wells Fargo Credit card to Checking and if I opened a XXXX account and sent money. I told them I never have done that in my life. I have been with Wells Fargo for at least XXXX years. {$2500.00} was advanced to my checking and XXXX withdrawals of {$200.00}, {$250.00}, {$240.00}, and {$240.00} totaling {$940.00} were sent through XXXX to XXXX XXXX which I have no idea who that is. They stopped anymore withdrawals. ( There is still {$1500.00} in my checking account left from the transfer which I don't know what to do with.. I'm waiting for the bank to tell me what I should do with this left over money. 
A few hours later XXXX more transfers came visible of {$2500.00} each which Wells Fargo XXXX They closed my accounts and issued new accounts with new passwords etc. They told me every thing was okay after that. I called the XXXX XXXX. a couple of times to check on things because my account still showed {$2500.00} on my XXXX XXXX as an XXXX. They told me everything was ok and not to worry as I was leaving on the XXXX on XXXX for a XXXX week vacation.. When I got home on XX/XX/XXXX I got a letter from the XXXX XXXX. saying there was no evidence of XXXX since the unauthorized transactions took place on line. They said I did it or someone I know did the transactions. I live alone and no one has ever had my cards or passwords EVER. On XX/XX/XXXX I spent more than XXXX hours on the phone with the XXXX XXXX. telling my story and looking for answers. They transferred me to Claims, Credit Card XXXX, Everyday Banking, back to the online Fraud Dept, to a Resolution XXXX ( Stephaney in Florida ) who said someone from the XXXX XXXX will be calling me in 10 days. They also told me they would not show me proof that I did this transfer. 

In the mean time, on XX/XX/XXXX I went to my branch office of Wells Fargo in XXXX XXXX, MN and the banker XXXX XXXX XXXX made a complaint to the XXXX Department on this situation. Since then I have heard nothing from the XXXX Department. I checked with XXXX about the complaint and she hasn't heard anything. It is now XX/XX/XXXX. 

I don't know what else I can do. I want to fight this as I don't have that kind of money to give back to the bank. I live on XXXX XXXX Please advise me of what action I can take.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion is reporting inaccurate erronious information on my credit report and refuses to correct it after i have asked the many times to the keep replying verified with the us court and the court denies the verification

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 2021-09-13
Company: R & B Corporation of Virginia
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: Old information reappears or never goes away

Complaint:
A previous claim was open in regards to a negative mark on my credit that i was supposed to be protected as I was represented by an attorney at the time of the bill, the credit company hit my credit monthly from XXXX until I filed my last CFPB complaint. They have been charging interest & re- charging this debt as new debt since the date it first hit my credit. I finally got confirmation they are removing it, however I am wondering why in my last complaint they stated they were going to speak with my attorney & according to my attorney never did, & it wasn't until I called today that they agreed to remove It. As a consumer protected under the FDCPA & FTC fair debt collection process this company has failed to respond to my several times of trying to resolve this, and was sent a letter of protection from the attorney, but was originally notified in 2020 I was protected by an attorney for this bill from the paralegal that first held my case. Why was interest charged and according to my credit report you can see how it was impoperly billed and not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 35 days with no response. 

The following items do not belong to me ( Fraud Account )- Medical ( Equifax ) - Bal : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Care underestimated my escrow payments. Now it reassessed my escrow and I have to pay nearly {$800.00} more a month to satisfy my escrow minimum balance. The company wants me to do this in a period of 12 months. On XX/XX/XXXX I called and explained that I would like to get an extension to be able to repay within 24 months and make the burden easier on me. They explained I would have to do it in writing thru e-mail. I did so and 3 days later received an automated e-mail back stating they had received my request. I havent heard nothing else from them and now on XX/XX/XXXX im expected to pay {$2000.00} from {$1200.00} that I was paying. They never said yes or no to my request for and extension or responded back in a prompt way.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX  XXXX 2 ) XXXX Child Support XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX   XXXX XXXX {$470.00}

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