BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In the beginning of XXXX, XXXX I applied for a job position with the description of being a personal assistant to deal with finances. I was sent a fake check by a fake employer and asked to send approximately {$2300.00} to XXXX XXXX, a supposed interested buyer for my " employers '' business, via Venmo. The whole transaction was a scam. I reported the incident to my bank and they reversed the fraudulent check transaction, however, Venmo still sent the money through and is now demanding I pay over {$2000.00} before they report me to credit bureau. I explained the situation to my bank, they spoke with Venmo, as well as to the police and filed a report. Originally, Venmo told me with the correct documentation they would reverse the payment, however they went back on their word and is now demanding I pay the full amount. After numerous emails they asked my lawyer contact their legal team. That message was sent XX/XX/XXXX of XXXX, they guaranteed a response within 10 days. However, my lawyer continuously called, sent multiple emails, contacted on XXXX, explaining of the unauthorized transaction and fraud, and gained no response until approximately two weeks ago. Which only goes to show their lack of care for these matters. I have attached Venmo 's response. This is not the first time a scam has happened with Venmo 's platform, I've been in contact with multiple others who state Venmo has easily reversed their transactions in a situation like this, not to mention XXXX XXXX, the person who aided in scamming me is still using Venmo 's platform. In fact, I was advised by The XXXX XXXX XXXX representatives to contact Consumer Financial Protection Bureau because instances like this are so common. I am a college XXXXt, soley paying for my tuition, I do not have {$2000.00} to pay, and I can not afford to jeopardize my building credit. I am asking for forgiveness in this situation, and understanding, this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A debt collector called my boyfriend telling him to have me call them. 

The contact information given was XXXX XXXX at XXXX ext. # XXXX. I was instructed to call by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: IL
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:
This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account XXXX  XXXX that begins or ends with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to my mortgage company to get assistance with possibly doing a loan modification. I had been impacted by Covid for a year and then after that I took a job for less pay. I experienced great hardship in my personal life after that with someone XXXX XXXX XXXX XXXX. I am now at a point in my life that is stable and have a stable income. XX/XX/22 I was emailed and mailed the incorrect information to request for assistance. How do I know that? XX/XX/22 I received several pieces of mail from my mortgage company. Two documents Introducing a new relationship manager. And another saying they needed additional information. The information requested was listed already on my account as being received and accepted. I was told numerous times on the phone the rep manually marked my account for requests of hardship as being completed. I was also told XX/XX/22 that the application I filled out was wrong and needed to fill another out but had to find it myself. I sent all that was requested yesterday. Today XX/XX/22 I call back as I was told to do to verify if my docs were received. I get told that I need to send more docs in that were already sent once before. I questioned why and requested to be informed what all would be required so I can make sure all my docs are sent in today. I was placed on hold for 15 min and then blind transferred back to the automated system. I got someone else on the line and informed I sent in all the docs but wanted to have it noted that I sent in what was asked and now Im being told that it was wrong. The person refused to listen to what I had to say. When I requested a supervisor several times they hung up on 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 explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX 1909, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX, Account # XXXX, XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-05-14
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Paypal Holdings, Inc
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A fraudulent return was attempted at eBay.on an item that had been picked up for local delivery and then subsequently shipped, damaged, and insurance claim allegedly filed and collected. The payment received was taken back at Paypal prior to resolution of the case. I called and asked for the funds back, they explained that they had seller protection, and placed funds back in the account. Then later the funds were taken back away, denying needed use of the funds. No notice was given to me regarding the hold or denial of use of my funds. The case is still open with eBay and may not be resolved in a timely fashion. The fraudulent return is an attempt at a criminal act and Paypal is aiding in that act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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:
This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: SC
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:
I called Experian on Monday, XX/XX/XXXX and started a dispute process to have the XXXX XXXX XXXX # XXXX to have it REMOVED from mine and my wife 's credit report as it has been confirmed that the account was charged off XX/XX/XXXX. When I received my dispute completion it shows Experian placed the account as a charge off for XXXX & XX/XX/XXXX! This is absolutely incorrect! It has already been confirmed by XXXX as charged off XX/XX/XXXX. To me this means the Experian reps did not verify the account and simply added these marks which also caused a drop in my score! This is ILLEGAL and is now affecting my purchase of my family 's new home set to close in 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 2020-03-30
Company: CNG FINANCIAL CORPORATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
To Whom It May Concern, This Complaint is regarding a company known as CHECK N GO, Account number : XXXX Amount Borrowed : {$5000.00} Payments made to date : {$3000.00} May I ask for your help? I have tried on numerous occasions to make contact with the corporate office of this company. All that I am told to do, is to leave a message. To date, there has been no response. This company is charging an Annual Percentage Rate of 124.85 % I have been told that the State of Wisconsin, has no regulation for these types of loans. Given the COVID-19 Virus crisis, I have had to file for unemployment. My wife has XXXX and this loan was taken under duress, as a large sum was needed as a co-pay for XXXX XXXX. How a state allows such thievery, must be stopped This is predatory lending. I have tried to make contact with this company, as all of America is in need. When speaking to their agent, I am told that if monthly payments are not made on time, my personal credit will be attacked, as the company has no forbearance plan of any kind. A complaint has been filed with the Wisconsin Department of Financial Institutions file # XXXX as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I MOVED LAST YEAR I NO NOTHING OF THIS DEBT I DONT EVEN NO THIS COMPANY I NEVER GOT ANY DEBT VALIDATION VIA EMAIL OR USPS MAIL BUT THEY ARE HARASSING ME BY CALLING MY PHONE NOW EVERYDAY ALLDAY THEY HAVE RUINED MY CREDIT THEY REPORTED THIS ACCOUT TO ALL THREE CREDIT BUREAU'S.WHICH I DONT OWE THEM ANYTHING BECAUSE I NEVER HAD A WRITTEN CONTRACT OR AGREEMENT WITH THIS COMPANY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

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 2020-03-30
Company: EQUIFAX, INC.
State: OH
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:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Account : XXXX VIN : XXXX - 2019 XXXX XXXX XXXX XXXX : I am writing to you in hope to get some help! 

End of my lease on a vehicle from VW Credit , Ltd and paid off was sent over 9 weeks ago and have not received my title! 
How does a company such as VW is not held accountable for their actions, when received consumers fund and not processing the rightful owners title in a timely manner? 
Attached please see the documents that reflect my complaints. 

What would happened to many consumers who do not have the means nor the language ability to reach out for help and protection? Where do these consumers stand? and who will speak out on their behalf? 

Many thanks in advance for taking to time to view our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home on XXXX XXXX, XXXX. The originallender was XXXX Mortgage ( Loan # XXXX ). Purchaseprice was {$220000.00}. Financial hardship happened in XXXX XXXX Loan was sold to XXXX XXXX during recession. Suddenly lost job. I fell behind in mortgage. 
payments. Did unsuccessful loan modification with XXXX Loan balance was increased significantly. I discovered on XXXX XXXX XXXX througha phone conversation that the sale date of my property isXXXX XXXX at XXXX XXXX. I have not yet received aformal letter from XXXX and XXXX ( attorneys representing the sale ) although they claim a letter was mailed on XXXX XXXX XXXX. 
I need more time to look for gainful full-time employment inorder meet the necessary financial requirements for a loanmodification to keep my home. Not enough time hasbeen allowed for me to explore all my options for gettingassistance. Private investor of the mortgage is XXXX. I waneed more information on this private investor and the shadytransfer of this mortgage between XXXX Mortgage and. 
Shell Point. I even asked to speak with XXXX XXXX ; CEOor someone in upper management. Within two weeks of my rerequest to speak upper management, the mortgage wassuddenly sold and no one ever spoke with me. I want thisloan process investigated from XXXX XXXX until XXXX XXXX XXXX. I believer customers who are in vulnerablepositions such as myself are being taken advantage byChase and other private investors while jacking up loanbalances as they resell loans. This is home is not valuedat {$250000.00}. Please research this case asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation