BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: DISCOVER BANK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a balance transfer request which was to transfer a balance from a credit card at XXXX XXXX ( account now closed ) to Discover. I believe there was a typographical error in the number I typed however I called to try and resolve this many times over several months, as the balance was applied to my discover card yet not applied to my XXXX XXXX account. I obtained a copy of the processed check that Discover sent to XXXX XXXX in my name and emailed this in under their dispute resolution process on the app, however it was declined with no reason provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Credit acceptance charges and interest rates make it impossible to pay off fell a little behind and the payment agreement they offer is impossible. They want my XXXX a month XXXX plus XXXX every pay period making defaults on agreement almost a guarantee then only offer the same agreement. No matter what I offer I need help

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 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/22 but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Equifax does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding unauthorized charges made on my WELLS FARGO BANK debit card. Despite my efforts to resolve this issue with your bank, I have received no satisfactory resolution, and I am now facing significant financial & health consequences that could have a devastating impact on my business. On [ XX/XX/2023 ], I discovered several transactions on my WELLS FARGO BANK statement that are not authorized by me. The charges were made without my consent and are in clear violation of my rights as an account holder. Immediately upon noticing these unauthorized charges, I contacted your customer service department to report the issue and request assistance in rectifying the situation. During my conversations with your representatives, I provided detailed information regarding the unauthorized charges and explained the urgency of the matter. However, to my dismay, I received little empathy or concern for the financial distress this incident has caused me. Despite the overwhelming evidence of fraudulent activity, WELLS FARGO BANK has failed to take appropriate action to investigate and reverse these charges promptly. Regrettably, due to the funds drained from my account without authorization, I am now unable to fulfill my health obligations, specifically filling my XXXX  medication prescription. My medicine serves as a vital component of my life. The inability to meet my rental obligations will undoubtedly result in the loss of my office space, jeopardizing my client relationships, and tarnishing the reputation I have worked so hard to build. As a dedicated customer who has trusted WELLS FARGO BANK with my financial needs for several years, I expected a higher level of service and urgency in addressing this matter. I kindly request that you take immediate action to investigate the unauthorized charges, refund the full amount to my account, and reinstate my confidence in the security of my funds. Furthermore, I implore you to provide me with a detailed explanation of the steps being taken to prevent similar incidents from occurring in the future. As a consumer it is essential for me to feel secure in my banking relationship and confident that my financial interests are protected. I anticipate your prompt attention to this matter and a resolution that addresses the financial damages I have incurred and health damages I could potentially face. Please understand that the consequences of this unauthorized activity extend far beyond a simple inconvenience and have the potential to irreparably harm my business and professional reputation. Thank you for your immediate attention to this urgent matter. I look forward to your swift response and a satisfactory resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 this company contacted a relative via text message and disclosed personal information about a debt. They have previously sent text messages to various relatives threating lawsuit and using other scare tactics all while disclosing my personal information to non interested parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IN
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 have disputed incorrect information XXXX times with EQUIFAX. No other company ( XXXX, or XXXX ) have had any of these issues! I am trying to purchase a home with my husband for the first time and The Mortgage finance company is unable to pull my Equifax credit score. That is keeping me form getting a house for 2 months now. This market is crazy I don't need any other issues. Please contact the company and ask what they can do to help fix this? I have talked to countless representatives and supervisors. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested a balance transfer of {$2800.00} on XX/XX/XXXX via the bank website. The credit card bank where I requested the transfer is Old Navy/Barclay bank . The money was to go a XXXXXXXX XXXX account. 

On XX/XX/XXXX, I checked on the status of the transfer and saw it was marked as completed, stating the money went a XXXX account ending in XXXX digits that did not match my XXXX account. 

I contacted Barclay bank was told to wait until XXXX as it takes time to transfer. I was also told the ending XXXX digits of the receiving bank, as shown on the balance transfer transaction, did not really mean what it stated. I was told it was a code of some sort that even the phone representative could not explain or access. 

I contacted them again on XXXX as the money was still not reflected as a credit to my XXXX bank account. 

I had multiple messaging communication online as well as the phone calls and each time I was told to 'wait '. 

On every phone call I was asked for the receiving bank account number, which I provided. On one of the latter calls, I was told that I obviously mistyped the number so the money went to someone else 's account and a 'case ' was opened for research. I was told it would take XXXX bus days to complete the research. 

I called today, XX/XX/XXXX, and this time I was told that when I requested the balance transfer I somehow typed XXXX digits into what should be a XXXX digit field. And ... the number I typed was somehow a valid account number at the receiving bank! 

I was again told to wait it out for the research to be completed as it could take up to 90 days! 

I asked to speak with someone else and was transferred. XXXX told me the money likely went to a 'holding account ' at the receiving bank. Ok, fine.. so let 's get this reversed. I have been alerting you since XX/XX/XXXX that there was an issue. 

I just want the transfer reversed and all fees returned. I was told again to wait it out for the case to be researched.

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
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:
There was not a proper investigation. I was told accounts was verified. They failed to provide with a copy of any viable evidence anything bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal- This matter is to deal with Paypal and Paypal credit. 
On XX/XX/XXXX, I made a charge to a jewlery store using paypal credit inthe amount of {$7000.00}. The jewlery store could not fulfill the order and cancelled my transaction and stated they would refund the money immediately, a few days past and no refund, I contacted paypal/paypal credit to look for my refund and paypal credit filed a claim on XX/XX/XXXX and gave me a credit for the money. 

On XX/XX/XXXX i was credited as well from the merchant, At this point i was double credited and owed one of the credit back to paypal credit. I called on XX/XX/XXXX after realizing what happened to advise them to remove one of the credits and they stated they would on XX/XX/XXXX i received a email stating that they had mistakenly credited me twice and would be charging back one of the charges ( which I know I owed ) on XX/XX/XXXX i realzed a {$7000.00} charge was made on my paypal wallet ( not paypal credit where the original charge was made ) so I called paypal to have them move the charge to my paypal credit from my wallet, they said they would. 

On XX/XX/10 they re charged the charge back to my paypal credit account, but have NOT credited the money to my paypal wallet. so now I have the chage on my paypal credit account and have a negative balance on my paypal wallet as well ( being double charged I have called paypal and wait hours on hold to be hung up on and when i finally get through they state i must call paypal credit. when I do that I also am on hold for hours to be reffered back to call paypal, its like ping pong with no one being able to help I have documentation of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been advised that my loan is being serviced by Firstmark Services although it is owned by Firstmark Serviced Trust. When attempting to negotiate the terms of my loan I was told, by Firstmark Services, that they are only a servicer and can not make any changes to my loan. I was told that I would need to reach out to my lender to attempt any changes. I asked Firstmark Services for a direct contact to my lender and was refused initially, now, Firstmark Services says, via my initial complaint to CFPB, that there is no direct contact information for my lender. I believe borrowers should have access to their lender which was the case before my loan was sold by XXXX to Firstmark Serviced Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I signed up with XXXX XXXX XXXX XXXX to help me get control of my debt. I am paying them twice a month and they are paying my creditors including the Payday Loan Company CheckSmart. They have been notified and will start receiving payments soon. However they are calling my work every day and harassing me and this is causing me trouble at work. I believe it is illegal to call people at work and harass them. The Payday Loan is CheckSmart at XXXX XXXX XXXX, XXXX OH XXXX ( XXXX ) XXXX, also known as XXXX XXXX. It is Loan number XXXX. Please stop them from calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: OK
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:
Equifax did not do a complete thorough investigation as I requested, no proof the information was verified, they sent a computer-generated confirmation. Please verify these are my accounts with the original contracts signed by me, and all accurate payment history, amounts, the opening date on the report, as stated above with complete and accurate information. We can see there were no investigation completed as the XXXX Account has an available credit line of - {$150.00} dollars, how can this be if it is closed, and a charge off?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: SUNRISE CREDIT SERVICES, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I filed a complaint about LEXISNEXIS on XXXXXXXX  for improper use of credit report. 
I was informed that LexisNexis couldn't verify my identity so my case was closed. 
I'm a victim of identity theft twice. 
I'm desperately trying to clear up anything on my credit report and stop my information from being shared. 
I have filled out a request to opt out for LexisNexis to stop sharing any of my information on XXXXXXXX  for identity theft in XXXX  I have included court documents showing I have been given factual innocence from a judge. ( from XXXX  ) for the identity theft I have filled out a second request to opt out for LEXISNEXIS to stop sharing my information on XXXX XXXXXXXX   for a robbery and identity theft that occurred this year on XXXXXXXX  I have provided a police report also. I also have included information showing that my information is being used fraudulently get loans. 
I need LEXISNEXIS TO STOP SHARING MY CREDIT INFORMATION IMMEDIATELY. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: LEXISNEXIS
State: AL
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Correspondence and documents attached outlining my complaint in a letter dated XX/XX/2023 to the Chief Operating Officer of Amerisave Mortgage. 

My basic complaint is that not enough time was allowed to make the necessary changes that went into effect XX/XX/2023. Letter from Amerisave received XX/XX/2023 which did not allow me enough time to create a new on line account with XXXX XXXX, which needed a profile on me together with providing a good email address and a new Password. Frankly, my week was already lined up with doctor appointments, planning for the XX/XX/XXXX XXXX, and keeping abreast of many everyday responsibilities. I wrote a very frank letter to Amerisave Mortgage explaining that the timing was too short and that a 30 day window should have been allowed for such an unexpected change. 

This is the second time in a two year period that Amerisave Mortgage has sent notices to their customers regarding a Notice of Servicing Transfer. You will learn more details when you peruse my attached documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
There are a lot of old addresses on my credit report and it is compromising my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, On the XX/XX/2023, I ( XXXX XXXX ) my daughter ( XXXX XXXX ) who is the XXXX XXXX in Kentucky, XXXX. Borrowed and Sent my mortgage lender with is Shellpoint Mortgage to cover my mortgage. 

She sent {$2300.00} to Shellpoint. Which the information being used was sent to me via email by XXXX XXXX XXXX. ( Loss Mitigation XXXX XXXX ) On XX/XX/2023, XXXX XXXX called me ( XXXX ) and I inform her about the sent money. 5 days later, XXXX XXXX emailed me. Saying Shellpoint Mortgage has not yet receive the money my daughter XXXX XXXX XXXX sent with I have prove from my daughter bank. 

On that very day. I was informed by XXXX XXXX via email, that if they don't receive the funds in 3 days. Shellpoint Mortgage will return the grant HUB gave me back to the State. 

We couldn't afford {$25.00} been sent back, so my daughter went to her bank again, sent Shellpoint {$3800.00}. This time around in 2 days with the same account details, they received it. But shellpoint mortgage insisted that they never received the first {$2300.00} she sent. I have attached all the evidence that the first money was sent. 

Thank You XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation