BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: FRESNO CREDIT BUREAU
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Creditors Bureau USA on XXXX 2021 to try and gather information on my credit accounts such as dates of the services. XXXX XXXX was the rep who was speaking to me. He asked for my personal information ( e.g. phone number, date of birth, etc ) I politely declined and he then refused to give me the information on my own account. Even though I had the account number. He tried stated that this is, " a company wide policy. '' I asked to speak with a manager and he put me through to XXXX after being rude and short with me on my refusal to give me my personal information. I told XXXX that per the XXXX it is not mandatory for me to give my information and it is not ok for XXXX to try and claim I need to give it in order to get my information. He tried to apologize and said it was not a policy and he would speak to him. I informed him I would be putting a complaint in and that this was unacceptable.

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 2018-07-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Army and Air Force Exchange Service
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. 

They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?

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 2020-05-23
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-11-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX my PayPal business account was limited. Paypal sent me an email on this day stating that my funds would be held for 180 days. After 180 days were up, my money would be released. This did not happen. Instead, on XXXX XXXX, XXXX, PayPal ILLEGALLY withdrew my money from my account into theirs. This is XXXX!! The transaction ID is XXXX. The amount XXXX by PayPal is {$1200.00} USD. 
This is an XXXX and XXXX business practice not to mention it is illegal to XXXX! I want my full amount owed deposited into my bank account right away. PayPal needs to be held accountable. I am also joining a class action lawsuit. This is a known issue that PayPal has been doing illegally to its customers. There is evidence of Class actions online. All i had to do was XXXX " paypal XXXX my money after 180 days ''. I suggest you do the same. You will see others in my exact same situation. PayPal needs to be fined ad XXXX XXXX  brought against them. I will provide any thing needed to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Prosper Marketplace, Inc.
State: UT
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 recently received an email from Prosper about a loan? I was very confused as I have never heard of Prosper and they sent an email stating I applied for a loan but was denied. I never went through a process or asked for any loan through them. I'm not sure why that popped up but they must remove the inquiry from my credit. I never applied for a loan and quite honestly, I'm very concerned that they received any personal 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 2018-07-05
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is Wells Fargo my home preservation specialist is XXXX XXXX, he requested my XXXX XXXX and a signed and dated copy of application I provided XXXX with those documents on the XXXX of XXXX and on the XXXX of XXXX I got a email from wells fargo then my case had been closed. In my opinon I don't even think wells fargo sent any of these documents to my investors/underwriters for review???? I want answers to why did this occur ASAP! >>>

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 2021-03-01
Company: Exeter Finance Corp.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan auto loan for my XXXX XXXXXXXX XXXX has had several payment issues with my loan company. Payments were not posted to my account yet they took the money. They were going to repo my XXXX and demanded payment so I had to send them an official bank check which caused me many financial hardships because they had my 4 payments from XXXX XXXX who took my money instantly from my debit card. Exeter demanded an official bank check to stop the repo. So they are keeping four payments that now make my account ahead. Even then they refuse to grant me my account history are still saying I'm behind and now I find they have sold my loan to a debt collection agency when I was never behind in payments. I find their actions are unfair and abusive to my credit report and me. XXXX XXXX has closed my account for reporting it to my bank both XXXX XXXX and Exeter Finance refuse to give me my payment history. How is Exeter allowed to charge off my loan as bad debt when I was never late in the first place and then sell it to a debt collection agency. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reached out to Equifax several times to report a fraudulent account and fraudulent inquires that have showed up on my report. I've called and spoke to a rep from Equifax Consumer Affairs. The rep sent me an email so that I can upload a new FTC Fraud affidavit and updated police report. They told me it would take 48 hours to receive and process to block from my report. I checked 5 days later with Equifax and nothing was done.Equifax continues to give poor service and continues to drop the ball and mistreat its customers with its unprofessional service and long wait times. 

The following account and inquiries are fraudulent : Fraudulent Account 1. XXXX XXXX XXXX # ending XXXX ______________________________________ Fraudulent Inquiries : 1.XXXX XXXX XX/XX/2020 2.XXXX XXXX XXXX XX/XX/2020 3.XXXX XXXX XX/XX/2020 4 . XXXX XXXX XXXX XXXX XX/XX/2020 5. XXXX XXXX XXXX XXXX XX/XX/2020 6.XXXX XXXX  XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the time of closing, we provided our mortgage company with documents for our home owners policy insurance. This was uploaded via a web portal provided by the loan company. However, upon closing, the mortgage company decided, without our consent, to issue a home owners policy through their preferred insurance company who is affiliated with the loan mortgage company Loan Depot. The insurance company is XXXX XXXX. However, we had provided documents for home owners policy issued through XXXX XXXX. At this time, we have 2 home policies, 1 that was put forth without our consent. The XXXX that we did not consent to is the one loan depot decided to place in our escrow account and pay out. The insurance company, XXXX issued a policy as well ( per our request ) and has an outstanding balance. Loan Depot decided to go with their preferred insurance agency as they have a contract and incentive tied with XXXX XXXX without our consent and without us ever even speaking with a XXXX XXXX representative through phone, email, or text message. Loan Depot initially stated they would look into the matter but dragged their feet. It wasn't until we stated we were going to file a complaint that a regional manager reached out. Unfortunately, loan depot engaged in unethical practices. In our closing documents, XXXX is stated as our insurance provided. Yet, at closing and in our escrow account, they issued XXXX XXXX as the insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: SC
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:
XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXXXXXX XXXX sends me receipts and checks XXXX my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XXXX XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of XXXX I was issued a Bank of America XXXX XXXX XXXX card for the purpose of receiving unemployment payments from the Arizona XXXX. This card was used used for three months until XXXX XXXX  when Bank of America closed the card and took all {$3500.00} that I had in my account. 

This account closure : 1. Was done without my consent. 
1. Was made without appropriate notification from Bank of America. 
2. Was done without appropriate legal justification. 
3. Was not done in accordance with the policies set out by Bank of America upon opening of the account. 

As of XX/XX/XXXX I have spent dozens of hours making hundreds of calls and emails to both the Arizona XXXX and Bank of America card services, and I have still not been able to retrieve any of the funds taken from my account on XX/XX/XXXX nearly 8 months prior. Nor have I received any explanation as to why my account was closed and my funds taken. 

This is a very large issue for me as I lost my job working in hospitality due to Covid and the loss of {$3500.00} represents a significant impact on my livelihood and ability to survive over the last 8 months. 

Bank of America has since issued a new card but has still NOT refunded the {$3500.00} taken from me on XX/XX/XXXX, nor have they been able to supply any reasoning or justification for why my money was taken to begin with.

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 2018-09-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
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:
My XXXX report had 14 hard inquires. I didn't authorize a those.

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 2020-01-28
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for  completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

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 2017-08-01
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-01
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 a wrong account " XXXX XXXX '' on my Experian credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company Experian twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company Experian and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a XXXX XXXX XXXX department named " XXXX '' for settlement XXXX calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my Experian credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.

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 2020-01-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief