BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: Bread Financial Holdings, Inc.
State: NJ
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:
this company which i hold no contract with nor have i received services from, reported a collection account against my ssn with XXXX, XXXX and XXXX credit reporting agencies. i requested verification of the debt and account however the business failde to provide adequate proof. considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Western-Shamrock Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/XXXX. I applied for a {$300.00} loan with XXXX in front of their office while I was in my car by phone due to the coronavirus signage. 
She advised me they run a credit check after asking my name and if it was fine, I said yes then she asked me for my personal information. When she asked me my address, I explained that it was a post office box physical address and that I don't have a home where I live physical address, just mailing. She declined to move forward with the loan application process stating that a physical address where I live/reside is needed. That was understandable so we ended that call and I left their parking lot. 
I drove less than 10 miles away and XXXX  alerted me through my phone that Western shamrock finance ran my credit anyway even though XXXX declined to process the credit application. 
I pulled over to call them back and was transferred to the manager who got unprofessional and rude saying and taking up for the fact that they ran it anyway. 
That is not right if I got approved how am I to know? It's not fair that this company operates like this, I need the loan. My credit is not for them to relend or process their payroll after declining to me the application process because I don't have a physical address. They need to get arrested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for XXXX months, adding up to a total of {$4100.00}. The email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I just learned of this collection through XXXX XXXX and not from the collectors themselves. I had no clue that these accounts were in collections and have been placed in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
FTC REPORT ATTACHED IDENTITY THEFT, FRAUD. ACCORDING TO THE FAIR CREDIT AND REPORTING ACT IDENITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTOMS HAVE THE RIGHT TO BLOCK FRAUDULENT INFORMATION FROM YOUR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT FRAUDULENT INQUIRIES BELOW XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They are reporting incorrect information on my 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 non-monetary relief
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On    XXXX   XXXX   XXXX     2017  I have deposited a {$1000.00} into  a Wells Fargo bank  for the purposes of opening a secure credit card. I was told that I will have an answer in no more than a week and a credit inquiry will appear on my credit report.   It has been over 2 months now, and there is still no credit inquiry and no credit card.   After not seeing any action after a month I have repeatedly asked for my money back, since the bank does n't even bother to verify my credit I have been told that the banker will call me back in 2 days.   NO ONE ever called me, and when I show up at the branch, which I did 4 times now, I am told that I will get my money in  2 weeks. It has been over 5 weeks since the first time they told me 2  weeks.   I got the same answer today.   And yes, the banker will call me back in 2 days again.   I do n't believe them anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Reporting company used your report improperly

Complaint:
I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sun west mortgage was very XXXX and did not treat me fair during the loan process. I paid for appraisal {$630.00} and they never gave me a copy of the appraisal and would not tell me the value I want my money back I asked them for 3 weeks about the appraisal, they treated me horrible people of XXXX do not use this mortgage company there XXXX and they treat your horrible .they discriminate against seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Reviewed credit report and discovered a XXXX point reduction. Have never received notification nor calls from collector. 

Called on XX/XX/XXXX was not able to reach collector. Unable to leave voicemail either as I box was full. Dispute claim with XXXX. 

XX/XX/XXXX XXXX stated that collection is valid. Reviewed and confirmed it was XXXX service for mobile. The service was transferred over to an XXXX XXXX in XXXX and I was removed from the contract. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

XX/XX/XXXX Attempt to contact collector again but can not reach anyone. Voicemail full again. 

Unable to reach collection agency yo resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2019-12-01
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
Every 30 days I call all 3 credit bureaus to see why Santender Credit is still showing up on my credit report. Every agent I speak with tells me they don't see anything showing and it has been deleted already. Please investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. 

Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX   XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX   XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
My available credit shown on line was not accurate and caused me to have a transaction declined which was for auto parts needed in a timely manner. I was informed by Discover 's chat representative that it is a result of how Discover posts payments. Payments are showing as available credit online before they hard post to the account. I have XXXX other active credit cards, XXXX which updates credits once the payment hardposts and XXXX the day the payment is scheduled and not tied to posting. Discover 's practice is deceptive and should be systematically fixed so that a customer has accurate information available to them. In this particular case, I would not have attempted to use the card if the credit was not showing as available. The chat rep indicated that apparently the gap is from XXXX pacific to sometime the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband wrote a personal check from his XXXX account to my wells fargo account. for {$1000.00} my receipt stated the funds would be available XXXX XXXX, 2016. On XXXX/XXXX/2016 the {$1000.00} from my husband account cleared the check XXXX XXXX. When I checked my wells fargo account it stated there would be a hold on the check until XXXX XXXX, 2016. When I contacted XXXX XXXX to understand the delay, I was given no reason why my deposit would be delayed 2 weeks when the money had already been deducted from my Husnands accont. after numerous calls to wells fargo and a visit to the local branch I received a letter yesterday XXXX/XXXX/2016 stating that the account on which the check was written which is highly inaccurate as my attachment will attest. as a result I have suffered extreme hardship due to this mistake by Wels Fargo and have had to cancel my travel plans and appointments which have to date cost me {$190.00}

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 2017-05-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  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 explanation
Consumer complaint received 2022-04-12
Company: I.C. System, Inc.
State: IA
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:
During our entire time with XXXX we had automatic payment deduction. Each month the monthly amount due was deducted from my checking account. At the conception in XX/XX/XXXX we paid {$200.00} and {$400.00}, which we were told was the first month due and the fees. So we started out current and then every subsequent month we had our amount due automatically deducted. We cancelled service in XX/XX/XXXX, due to our move to a different town. We chose not to stay with with XXXX. Our regularly scheduled payment came out in XX/XX/XXXX. 
I received a call in XXXX XXXX advising I had an amount due, to which I explained I should not. I walked through the payment history with her. She insisted it was correct. Rather than argue I paid the amount she claimed was due. Again believing this would settle my account. 
Then I received a notice from a collection agency stating we had an amount due which was what I paid in XX/XX/XXXX. I called and explained it is not due, ran through the payment history. Mentioning the extra payment I made in XXXX, showing there is absolutely no way monies could be due. They said they would research. I did not hear back so concluded the matter was settled. Now I see the charge of {$130.00} from collection agency IC System is outstanding. I disputed the charge and received no 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 2015-04-01
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue. 

Thank XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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:
I have been disputing with all three agencies.I do not have an account with this company, XXXX  XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he past away. I had other items that past doctors and friend who died gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX  with no luck.i sent a letter to each credit bureau at end XX/XX/XXXXNo credit bureaus except responded.Experian notified me a chapter XXXX Petition was put on my report by XXXX  XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.

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 2015-07-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I paid {$4.00} to Experian to receive my Fico score after viewing mctheyy creidit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was consolidated without my knowledge into some consolidation program that doesnt offer public service forgiven  ess.
Now I am trying to reach the Department of Education to credit for all those years I paid under the consolidation and they are refusing.
I have been paying for his loans for 20 years and if he needs the forgiveness I need to start all over with another 120 payme  nts in order to get the forgiveness. As a veteran of the  XXXX   XXXX  I would expe ct our government to treat me with the same respect and service I have given them..

Company response to consumer: Closed with explanation