BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: SC
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 happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : 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 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 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 2022-06-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I reached out to the loss recovery department of XXXX XXXX in regard to negative information being reported to the credit reporting agencies. XXXX XXXX has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The XXXX XXXX representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. XXXX XXXX is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.

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 2017-09-13
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I added a debit card to my PayPal account, and completed a large purchase with XXXX. Using PayPal as the payment provider ( and using the debit card as the payment source ), the transaction completed. 

An authorization charge for {$20.00} was posted at this time. 

On XXXX XXXX, XXXX, XXXX the payment fully went through with the following description on PayPal : " XXXX XXXX You 'll see " PAYPAL XXXX XXXX '' on your card statement. 
on XXXX XXXX, XXXX '' I did not receive any following communications from either PayPal or XXXX. I received my product and everything was fine. Until earlier this month, I got an adverse action notice stating : " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is {$3500.00}. '' I checked with the card provider and I can verify that the full amount was charged to my card on XXXX XXXX. 

Therefore, PayPal is asking that I pay a debt I do *not* owe. 

I called them today XXXX XXXX XXXX, XXXX ) and they said my card was declined which is why I was " fronted '' the money. Of course, this is absurd. If the card was declined, then they would have stopped the transaction instead of asking me to pay over {$3000.00} in debt. 

This is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX deposited {$1400.00} into ATM WellsFargo XXXX XXXX on XXXX XXXX, zip XXXX. 
Machine jammed, machine asked me to enter the amount I deposited. I entered {$1400.00}. Machine printed receipt saying {$200.00} of deposit is available today the rest will be available on XX/XX/XXXX. The machine closed down to any other users at time. 
My account was not credited the remaining {$1200.00}. 
I filled a complaint in the branch. The credited my account till they did a investigation. 
6 weeks later they completed their investigation, told me the machine balanced and debited my account {$1200.00}, causing overdraft. 
I do n't know what to do, I have no proof and feel completely powerless. At time of deposit I had {$2000.00} in my account. We have banked there for 9 years. We have a Wells Fargo Credit Card with a limit of {$18000.00} that we built up from {$5000.00}. We are upstanding members of the community with no criminal records, which is more than I can say for WellsFargo. 
Please advice me, {$1200.00} is not a fortune I know but substantial for me, I cant just swallow a loss of {$1200.00}. 
I cant understand how this could happen and the emphasis is on me. I put money in my Bank and its gone.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to the official free credit report site and tried to get reports from the three agencies because of the recent major breach of security. 

I tried several times ( going through all the rigmarole of entering my information correctly each time, and the captcha at the end ) but when I went to the XXXX and Experian websites, they both said they were loading but ended up with a blank page after they were done loading. 

I do n't know if the site is overloaded, but this is extremely poor performance, and the contractor responsible for of the site should be penalized for this failure.

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 2022-06-13
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was reported in my XXXX XXXX account and I do not know anything about what it was for. The company never sent me anything about this debt of {$1000.00} and I would like it to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
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 belongs to someone else

Complaint:
I discovered a Bankruptcy on my credit report today XX/XX/19 when I went to try to buy a car and was not approved. This bankruptcy is not mine ; I did some investigating and it turns out that this was clerically filed in error and this bankruptcy actually belongs to someone with a similar name as mine. I have never filed for bankruptcy nor did I take part in this in any way. I have filed a police report as well as reporting this to the courts in hopes of getting my name and credit history cleared.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
MY NAME IS XXXX XXXX. YOUR ATTENTION IS VERY IMPORTANT. PLEASE SEE ATTACHED.

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 2017-09-13
Company: EQUIFAX, INC.
State: MN
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:
In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I requested a Wells Fargo credit card. I received an email saying my card had been approved. When I went online ( XX/XX/XXXX ) to create my online presence, I noticed on an obscure page that my last name was misspelled. When I called them, they confirmed that the card was created with my name misspelled. I asked them how they could check my credit rating ( which I saw that they did ) with misspelling my last name? How did they validate that I was the rightful owner of my SSN and credit history/report? I was told they can't fix it until I receive a letter from them in about 10 days to prove who I am. But yet they issued the card with my name misspelled and not matching my credit report. 

I would like for your agency to look into this as this is inappropriate behavior. 

Thank you! 
XXXX XXXX Wells Fargo Application reference number 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 2019-10-15
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:
I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I paid my Apple Card/Goldman Sachs bill on time from a joint XXXX account XXXX My husband and I have different last names. The check was received by Goldman Sachs before the due date, and Goldman Sachs sent confirmation to XXXX that it had been received. On XX/XX/XXXX, I received a notice that my Apple Card bill hadn't been paid. It was due on XX/XX/XXXX. I called and opened a complaint case. I was told they would respond within XXXX business days. The day after I filed the complaint, my husband noticed that his Apple Card account had been credited with the exact same amount that I had paid. It seemed clear to us that Goldman Sachs had applied my payment to my husband 's account, even though my name and last 6 digits of my account number were listed on the check. I called Goldman Sachs support to let them know. I have made at least 3 calls since then to get a status of the case. At one point, a Goldman Sachs advocate called me. I still have not received any resolution after 40+ business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX and XX/XX/XXXX {$330.00} and {$140.00} Currently Disputing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
Have reached out to the CEO of XXXX XXXX XXXX multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative

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 2022-06-13
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My forbearance ended XX/XX/2022 and I applied for assistance with my mortgage company but was only approved for a short sale or deed in lieu which I denied. I learned from the local housing fund that my mortgage company can not require me to pay my forbearance balance in one lump sum which they are requesting. I was told by a representative from the mortgage company that I could get the loan current up to 90 days and then they would offer assistance but I can not do that. I was approved for a housing fund grant to pay arrears but the mortgage company is stating my home can go into foreclosure at any time. I have not received any foreclosure documents or information for assistance.

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 2022-06-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer 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 2017-06-07
Company: Rosebud Economic Development Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I contacted this company for a short term loan, but it has become massive and they take my money any time they want, they took the money on  XXXX / XXXX / 2017  Friday, I had called to ask that this payment be put off for  a 2 we ek period, they told me it would be put off, but they hit my bank anyway, overdrawing my account, they pay date next is  XXXX / XXXX / 2017  but they took it early, and now my account is {$190.00} to the bad, and I have a text and pay schedule showing  XXXX   XXXX ,  2017 . This company does n't have to go by the rules then I do n't want to do business with them and they should be shut down. They took {$120.00} when they said they would not, then they took {$120.00} 2 days early, costing me {$36.00} in NSF fees   XXXX   times total {$72.00}. I call them and they are disrespectful, and you are there personal ATM. I asked that they not take anymore money, I only borrowed {$400.00}, and have paid that back and some.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.

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 2022-06-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX  XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with non-monetary relief