BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Security Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor was XXXX the account was closed due to car broken into and identity theft and was to be investigated by creditor then XXXX took over XXXX and did not continue investigation I continued to pay on it till Hardship from XXXX and a sick husband with XXXX suicide attempts in 3 month period he lost his job Family hit with XXXX and Dad passed away I had XXXX going on my plate to be able to deal with all this and Now a lawsuit was placed and a lien on my property. I was not given a detailed charge of credit card They lie about amount owed and lied said I did not respomd and I have proof I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Commercial Trade, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 2019-07-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This below debt collector has this information on my credit report. XXXX contacted them and of course they will said what they have is accurate. But I never opened a XXXX XXXX account for {$5200.00} in 2018. I never had a Visa card from XXXX XXXX.

The debt collector wants a police report. All the information I have is what they put on my credit report. I do not have the full account number or when this started other than they have it was opened in 2018. I would not open a XXXX XXXX account with XXXX XXXX at my Michigan address. They ignore this information. I have a Master Card with XXXX XXXX only and it is not a Michigan address.

LVNV FUNDING LLC Account XXXX {$5200.00} late payment since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a checking account with XXXX XXXX in XXXX, which was taken over by BB & T and now Truist. A XXXX  year contractual agreement. During that time I added a savings account, credit card and a rewards card. I use these accounts to make purchases and pay bills. I have had a satisfactory relationship with only a couple of issues. As of XX/XX/XXXX, I have a credit score with XXXX of XXXX. Both my credit card and rewards card are paid off monthly. I have never missed a payment or been subject to any fees. There is only XXXX company with which I do an Auto.Pay. That is XXXX for my personal car insurance and my son 's car insurance.I will attache this years statements. My personal XXXX XXXX payments are still and have been handled each month. My son 's Auto Pay payments, using identical information was handled XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However on XX/XX/XXXX, the {$130.00} payment was rejected. Truist did not notify me! On XX/XX/XXXX, the XXXX auto pay request for {$260.00} was denied. Again Truist did not notify me. Since these payments were for my son 's car insurance, XXXX could not notify me. My son 's insurance was canceled. Unfortunately I did not learn of this until XXXX. Fortunately the vehicle was being worked on and wasn't being driven. I contacted XXXX and paid back payments and fees along with setting up a new policy. {$480.00}. The vehicle was repaired and back on the road. However due to the lapse in coverage the monthly premium increased to {$250.00}. 
I contacted Truist to find out what happened, and they informed me they can not access any records that old! ( XXXX and XXXX of XXXX ) They also do not know why I was not notified! 

Truist acting as my agent in a 40 year contractual relationship failed in their fiduciary responsibility. Their malfeasance has and will continue to cost me an additional {$120.00} per month. Had the vehicle been road worthy, Truist would have put my son at extreme risk by driving without insurance.They have failed to contact me, refused to provide an explanation or remedy.

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 2022-05-03
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Sallie Mae misreported my loan status as being 60 days past due leaving extreme negative impacts to both myself and my cosigner. It was then up to me to spend weeks attempting to fix their mistake. Eventually it was corrected by them. 

On XX/XX/XXXX Sallie Mae again misreported my loan status. On XX/XX/XXXX I called in on a recorded line to make my minimum payment, the representative on the phone assured me the payment I would be making would satisfy my account as to NOT report delinquent to the credit bureau. On XX/XX/XXXX again it was misreported even after having confirmation I was making a satisfactory payment. My cosigner and I 's credit suffered tremendously affecting both our abilities to open new lines of credit. 

This has yet to be corrected. 

Attached are screen shots of an email I received reveal that Sallie Mae was going to report on XX/XX/XXXX my loan being past due, the second photo shows payment confirmation from XX/XX/XXXX, 2 days before, XX/XX/XXXX they reported delinquent. There are XXXX more emails with payment confirmations for the remaining loans I can provide however I feel the one satisfies pointing out the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2019-11-20
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Trellis Company is a collection agency that is requesting money from me that I have already paid and I have records to prove it. There was one other collection agency which was XXXX XXXX and they passed it to Trellis Company. Trellis Company took funds from my Social Security. I sent letters to them and they still continued to sent threatening letters to take my wages and any other monies. I think this is fraudulent and I'm willing to believe that other people have had this done to them. I am willing to go to court and I am writing this because this is what I am told to do at this point. 
I would advise anyone with a school loan to save all of their paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I used PayPal on  XX/XX/XXXX  to send {$1800.00} to my sister. I accidentally typed in the wrong email address and sent the payment. I noticed IMMEDIATELY and canceled the payment. I re-typed her email address correctly and she got the funds.  <P/> On  XX/XX/XXXX  and  XX/XX/XXXX  my b ank (   XXXX   XXXX   ) cha rged me {$25.00} fees ( {$50.00} total ) because PayPal was continuing to attempt to take out the original {$1800.00} I sent to the incorrect person. Because I cancelled the payment immediately, I assumed that meant  XXXX  things :  ( 1 ) the person on the receiving end would no longer get this money and ( 2 ) PayPal would not take  this out of my bank.  <P/> The latter of the  XXXX  is not true. When I called PayPal, they said they could not stop their system from attempting to take money out of my account. They said it automatically attempts to take it out twice. This means all people who do not have sufficient funds for accidental payments they cancel will automatically be charged unnecessary banking fees because PayPal does not make this clear to consumers when they cancel their payments in their system. They are also hurting their users by automatically extracting funds from cancelled payments twice. This makes no sense to a consumer. If I cancel a payment it means I BOTH (  1 ) no longer want to send the money to the receiver and ( 2 ) I no   longer want these funds taken out of my account.  <P/> This has been an extraordinarily disappointing circumstance.  <P/> Thank you!    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX 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 2017-10-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I 've had a credit card with Wells Fargo for over XXXX  years, and just found out it the account was closed on XXXX/XXXX/XXXX. I have not used the card for over XXXX years, and when I called the Credit Card services division of Wells Fargo to inquire about the status of the card after finding out from a branch banker that it was n't active, I was told that the account had been " closed by the consumer ''. I am the consumer, and I absolutely did not close this account. After further requests, I was later told the account was actually closed due to lack of use, something I was absolutely never made aware was impending or had been completed, despite the claim from Wells Fargo that they sent XXXX letters on separate occasions to notify me of their intent to close this account. 
I am aware of the benefits of having long standing good credit, and this card was XXXX of the primary tools I 've had in my credit portfolio for over a decade. I currently am in possession of a Wells Fargo XXXX XXXX card that does not expire until XXXX XXXX, and am fortunate I did n't attempt to use this card as it has been closed for almost a year and a half without my knowledge.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: KY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-06-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Way2go card has an extra charge of XXXX cents after an ATM withdrawral, My credits are descending instead of increasing, and my account was charged extra amount of money. GDOL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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  ) Has violated my rights

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 2019-07-18
Company: Lien Enforcement Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
`Debt collector charges {$2700.00} for debt of {$1300.00} and refuses to provide documents showing their authority to collect debt. Notice of debt was not sent until AFTER collection started. Creditor also charging interest when no authority is specified giving authority to charge interest. They also do not credit me with any of the funds they received for selling my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I'm behind XXXX & XXXX payment on my mortgage. I got approved to roll it into the next 6 months but I can't even make a payment now. Payments are XXXX a month. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A fraudulent merchant kept trying to charge my card, Cash App would not stop them from trying to charge my account and closed my account instead of correcting the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: DISCOVER BANK
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover Card opened an account using my personal information and then provided a credit card to another person other than myself. When I discovered this after receiving a credit alert, I contacted them to address the issue.XX/XX/2018. Upon giving them my personal information the agent informed me that the information did not match what they had on file and then asked if I had been a victim of Identity Theft. I had stated that I had been for several years and that was why there was a Credit Alert on my credit files. The representative advised that they has noted in the account and would transfer it to the Fraud Department and remove it from my credit file. I received 29 calls during the next 3 days regarding the same issue. Discover Card has continued to report the card as closed as it is still being illegally reported on my credit file as of today XX/XX/2018. They continue to change the amount of the alleged debt from {$1100.00} to {$620.00}. They continue to commit Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act Section 807-8, Violation of the Fair Credit Reporting Act Section 623-b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$380.00}

Company response to consumer: Closed with explanation