BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Not only is the debt collector calling me 2-3 times a day but they also called my BOYFRIEND trying to collect this debt and called him my spouse he gave them no information. They also have not mailed me anything that shows my debt or the explanation. They have called my boyfriend multiple times at his number of XXXX. They also call me every single day multiple times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: GOLDMAN SACHS BANK USA
State: OH
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 have had my Apple Card from Goldman Sachs since 2019. It is my main source of paying all my bills. Today, I received an alert that my credit card had been restricted and I was unable to use it. It said to contact customer support for more information. 

Customer Support indicted to me that the account was under review. They would not provide why it was under review or how long the review would take. I asked if I had used the card against the agreement and she stated that it didnt appear that I had. She stated that I had to wait to be called and that there was no one else I could speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The manager named XXXX has repeatedly shared my account information with a party not on this acct. I have asked XXXX times to stop this. I have reported this to his manager as well as another location manager. I was refused contact with corporate or owner to resolve. The info he shared included threatening repossession to the XXXX XXXX if they didnt pay my acct. I requested that this person XXXX be denied any access to my personal info as well as any further action on his part for my acct and this was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX date opened XX/XX/2015 This company is reporting inaccurate information on my credit report in the amount of XXXX XXXX I ve tried to communicating with the company yet have to receive proof that the account was mine in writing. I will like this information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, Hereby we ask to effect payments mentioned below and send funds to the beneficiaries or return these transfers to our account. 

XXXX XXXX has made transfers : - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 from our account in XXXX XXXX. 

At the moment the beneficiaries didnt receive these transfers, also XXXX XXXX didnt receive these transfers back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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 has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: OK
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:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX  I filed a XXXX. XXXX BK as the property was titled to the XXXX XXXX XXXX XXXX. XXXX XXXX. On the day of foreclosure, XXXX, XXXX  the law firm of XXXX XXXX arranged a hearing one hour before the sale ended at XXXX P.XXXX. in the BK court to set aside the automatic stay. XXXX claimed I had filed the XXXX pro se when the papers clearly stated that my brother, XXXX XXXX XXXX, XXXX, a liscenced attorney was representing me. I asked the Judge to allow me to bring in a close friend, also an attorney in and she denied my request. Four attorneys for Wells Fargo spoke at the hearing purposely running up the clock. At approx. XXXX the Judge lifted the automatic stay ; at XXXX XXXX  Auction.com put the property back on their web site. At XXXX XXXX XXXX. my home of 26 years was auctioned off as an R.E.O. property. There was no one that late in the afternoon at the courthouse to bid on the property. I, personally, had the money to bid on my own house but did not have time to make it to the auction in XXXX minutes from the courthouse downtown XXXX to XXXX XXXX. 
The BK court did not enter into the court records ( docket ) the lift of stay until XXXX XXXX. after the foreclosure auction took place. This alone should have overturned the foreclosure sale as a wrongful foreclosure. A wrongful foreclosure suit was file and finally right around the time of Covid19 my attorney XXXX XXXX and attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX through a third party entered an agreement to sell the property to a third party for {$450000.00} and I would drop my lawsuit. After numerous calls to my attorney he suddenly appeared over the phone and informed me he XXXX  up and let the contract expire. We renegotiated and agreed to pay a higher price of {$490000.00} and XXXX XXXX refused. We later went to XXXX, XXXX 's corporate office in the XXXX, XXXX Building and offer to tender a cashier 's check for {$490000.00} and was again refused. Now, the property went on the market for {$490000.00} and another company is planning to buy the house. XXXX XXXX, rightful owner simply wants his house back and has the money to do so through a third party.because they refuse to sell it back to me personally.

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 2023-03-10
Company: General Motors Financial Company, 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: 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. 

XXXX XXXXXXXX XXXX Acct # XXXXXXXX GM Financial Acct  XXXX 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 states, a consumer reporting agency can not furnish an account without my written instructions.

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

15 U S C 1681 s-2 section states, 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 explanation
Consumer complaint received 2022-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I submitted a dispute to all 3 credit bureaus concerning an inaccurate account that I discovered appearing on my credit report. ARS Reference # XXXX I also sent a direct dispute to ARS please see their attached response which is insufficent and violates the FCRA and FDCPA. I Sent a second letter to ARS on XXXX XXXX requesting deletion ARS verified this account with the credit bureaus. This inaccurate derogatory information is preventing me from closing on my pending home loan. ARS is fully aware that I do not owe any such debt yet they continue to pursue me. I was a victim of a crime in which I sustained physical injuries. I was treated at a hospital in Texas while visiting relatives. I sent ARS a copy of the police report and instructed them to have their client submit a claim to the victim restitution fund. I recently sent a copy of all this information to the hospital in hopes they will rescind this account from ARS.I will be pursuing legal action for damages against both ARS and the hospital if this matter is not immediately resolved and purged off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}

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 2022-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having trouble getting Equifax to investigate incorrect information they have on my report. They verified inaccurate information so I took the issue up with the creditor who placed it there and they failed to respond back to me and never provided proof of their reporting. I also sent new information to Equifax and they did not investigate it. They violated the Fair Credit Reporting Act by not conducting an investigation. This inaccurate reporting is causing my scores to go down and it's stressing me out and the creditor is aware of what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: PA
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 purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00}

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 2022-08-01
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance XXXX {$660.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$680.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXXXXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I was unable to log on to my PayPal account because the logon required a mobile telephone number. I've had this PayPal account for more than seven years. I never had a mobile telephone. I signed up for PayPal using only my regular desktop computer and my landline telephone. 

Since I was unable to log on to the account, I also could not message Paypal support using its own system. 

On XX/XX/XXXX, I reached a PayPal support person at XXXX He instructed me to change my password ; but after I followed his instructions, PayPal 's interface *still* required a mobile telephone. 

The support man eventually transferred me to a supervisor. The supervisor suggested that I close my account and open a new account. Only after I asked why the new account wouldn't have a similar problem did he admit that it would. 

The supervisor finally confirmed that a mobile telephone number was now a prerequisite for login. He could only suggest that I keep trying in hope that Paypal might change the interface so as not to require a mobile number anymore. To me, that sounded stupid. 

I am XXXX years old, and on a limited income. I will not buy a mobile telephone for the sole purpose of maintaining an account with PayPal. In view of this arbitrary and capricious policy change, I elected to close the account. 

Because Paypal Inc has direct access to both my checking account and one of my credit cards, I wanted to ensure the *immediate* closing of the account I can no longer access. But Paypal 's online interface requires I be logged on to close the account! 

The supervisor I spoke with gave his name as XXXX XXXX. ( I am not kidding ; I asked him to spell it out ). He explicitly refused even to give me a mailing address for such routine account correspondence as closing an account. ( He claimed that this was a matter of policy ). 

I don't think PayPal should suddenly ( and without notice ) make arbitrary and capricious changes to the user interface that disriminate against the CLASSES of their own long-term customers who are ( 1 ) XXXX  or ( 2 ) XXXX or ( 3 ) rural or ( 4 ) simply not in a position to use a mobile telephone. This user interface change violates the ADA as regards customers who may use their own ( expensive! ) assistive equipment. 

It's also a violation of law and CFPB policy for a corporation to make it substantially more difficult to close a [ XXXX-balance ] account with than to open one. 

In any event, I don't think it is ( or should be ) lawful for a money transfer company to fail to provide its cutomers, upon request, with a proper US mailing address for routine written correspondence regarding the account : But the PayPal supervisor who gave his name as XXXX XXXX explicitly refused to do that. On that narrow basis, I also filed a complaint with California 's Department of Financial Protection and Innovation ( DFPI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint on this issue but the bank did not address the issue. 

First complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I have requested information related to how exactly my ARM interest amount is being calculated as I am entitled to discounts- but I have yet to see how the bank is taking this into consideration. 

The bank 's statement that they are giving me what I am entitled to is not sufficient - I want the breakdown and transparent communication regarding my rate.

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 2023-03-10
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: Information belongs to someone else

Complaint:
I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.

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 2022-12-09
Company: Amsher Collection Services, Inc.
State: NY
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:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXXXXXX had violated my rights 15 usc 1681 section 602 state I have the right to privacy 15 usc 1618 sections 604 a section 2 : also state a consumer reporting agency cos further a account without my written instructions 15 usc 1666b : A creditors may not tread a payment on a credit card account under an open end consumer credit plan as late for purpose

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