BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: P&L Acquisitions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello Sirs/Madams : There are three issues associated with the illegal attempts of   XXXX   XXXX   ( not an attorney ) that need to be looked at.
<P/>
( A ) My only debt is from Credit Card Debt dated  XXXX , and I am sure that no C.C. debt can be collected this far out.
<P/>
( B ) I filed a Bankruptcy in   XXXX   in the State of Maryland where all my debt occurred : Case No. :   XXXX   was a Chapter  XXXX , IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MARYLAND - at  XXXX  - SO ORDERED Entered : XX/XX/XXXX  ; Signed :  XX/XX/XXXX .
<P/>
( C ) Finally, I am a veteran drawing  XXXX  pay at 70 %, and according to the Code of Federal Regulations - 5301, no civilian, no matter what the circumstances is allowed under our Law to collect a debt from a Veteran, who is drawing Federal Money for Comp and Pension ; this matter is very easy to look up online.
<P/>
The individuals who have been relentlessly wasting my time, hounging me and making threats for months are claiming that I must pay them {$22000.00} from someone called   XXXX   XXXX   XXXX  , which I do not recogonize. The debt is a sham, and I believe that a crime is in progress. The individuals continue to come at me from different directions, but they are the same GROUP.
<P/>
The last time is it someone by the name of   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CAL  XXXX  from telephone  XXXX .
<P/>
He claims litigation notice - Case No  XXXX   XXXX  , as   XXXX   XXXX   XXXX  . vs.   XXXX   XXXX  .
<P/>
The attorneys who handled this case were :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Maryland  XXXX .
<P/>
They have all tried to collect the debt in   XXXX    of this year, twice in  XXXX ., they were reported every step of the way, and again in  XX/XX/XXXX , using the account number   XXXX   XXXX   - no matter how many times I report them, and they are admonished by BBB or others, they still continue to make Illegal threats of all kinds and continue to file claims or that is what they have said, who knows what is true with this group.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I now own a 2009 XXXX XXXX and as part of the sale transaction the seller 's outstanding loan was paid off. I received a lien release from the lender and brought that to the New York State DMV to obtain a clean title. I was informed that there were XXXX liens on the car from Wells Fargo, XXXX representing the original auto loan and the second representing a refinance of the original loan. I can not get Wells Fargo to send me a release for the original lien despite it having been refinanced and then subsequently paid off and satisfied. As a result I still do not have a clean title and can not sell the car. Wells Fargo seems unwilling or unable to provide a lien release letter to the original owner ( my mother-in-law ) so that I can move ahead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Citi Double Cash Card has been compromised and hit with fraudulent charges, and the resolution so far from Citi has been dismal and I fear the card will be consistently compromised leaving me stuck with fraudulent charges. 

XXXX. On XX/XX/2022 I received a fraud text alert from Citi about a {$19.00} charge for XXXX that I did not make. I responded that I did not recognize the charge and called Citi. On the phone the Citi employee assured me the charge will not go through and issued me a new card. 

XXXX. On XX/XX/2022 the fraudulent {$19.00} charge went through on the NEWLY issued credit card. I called Citi again and was told a second new card would be issued and the charge would be removed. The charge has not been removed. 

XXXX. In addition to the {$19.00} fraudulent charge, I now notice a NEW fraudulent transaction pending to XXXX on the second new credit card. 

Citi is issuing new cards yet somehow the unauthorized user ( s ) are receiving the new credit card info simultaneously, this is unacceptable. I want the {$19.00} fraudulent charge removed, the pending fraudulent charge to XXXX prevented, and a new card that has not been compromised before I even receive it in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Billing dispute for services

Complaint:
On XX/XX/2020, Transunion charged me for a credit reporting service I did not sign up for with no way of canceling online. The amount is {$24.00} per month with no useful services delivered. We have no way of canceling this charge from their website and the subscription status can not be changed at all.

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 2020-01-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Contact was made to PayPal Credit regarding charges to our PayPal from XXXX that was not authorized. We made contact in XXXX who stated they were placing a freeze on the account while it was being investigated. We tried to access our account to see if the matter was resolved and saw a credit of roughly around {$120.00}. We called to find out what this was for and was told they investigated it and gave us credit for what we had paid on the disputed charges. We asked several times if that balance was ours to use. We were told several times yes. The balance was used and we continued on using our account, paying the balance in full until we saw 3 charges of {$75.00} with a description of XXXX. After being on hold for 45 minutes, speaking to a young lady who told us we were double credited. We advised we were told that was our money to use. When asked for the date and notes from that conversation, we were placed on hold and transferred to the Fraud department. We spoke with XXXX who did not give a last name because they do not give out last names and stated she was an account manager. She explained it was credited to us twice. I asked for her to look at the conversation we had in XXXX and she claimed she did not see it. She stated we may have spoken to another department however the notes from other departments are not in the same system or can be seen by her. She claimed she was the highest person in charge and no one else she could transfer me too. PayPal claims they over credited us after telling us that was our money to use and now almost 2 months later they are charging us back. I think it is not fair to charge us for a mistake made by PayPal and XXXX was not helpful at all. We want a clear breakdown and explanation of the charges. We can not see everything properly because of the freeze placed on the account and it being transferred to a new account. At least that is what was explained to us in XXXX. I wish for PayPal to own their mistake and not charge us 2 months later after they advise us of the credit and the matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AMERICAN EDUCATION SERVICES - STUDENT LOAN I have been paying off this loan since my graduation in XX/XX/XXXX. I was unknowingly and unwillingly automatically enrolled in a " Pay Ahead Status '' with American Education Services.
<P/>I also willingly enrolled in their auto-pay program and have been paying my monthly payment without logging in or checking my account for years. <P/>After a letter notification in the mail that I was 19 days past due on my loan, I learned that I had not, in fact, enrolled in auto-pay for each individual loan through AES that makes up my total, but only for one of the loans that makes up my total. <P/>So how have I been paying those other loans on time until now? Forced, unknowing enrollment in the Pay Ahead Status program where all of my past large payments have been " banked '' instead of applied to my principal. <P/>I submitted several payments over the course of 7 years in various amounts over my monthly minimum ( {$37.00} ) such as {$100.00}, {$300.00}, {$500.00}, etc. I submitted larger payments whenever I was financially able to do so. <P/>I have just been notified today that those large payments have been " banked '' and then applied to my monthly payments each month ( less than 50 % of my monthly payment towards principal each month ), allowing AES to charge interest on the same large principal balance rather than me paying off my principal, even though I was up-to-date with all of my interest payments! <P/>I am not able to find any information in my online account regarding this program and was not able to find any information on how to DISENROLL from the program. After several phone calls and complaints to the company, I was finally notified today, XX/XX/XXXX of my unwilling enrollment in their Pay Ahead Status program. <P/>I am required to WRITE A LETTER to disenroll from the program and have my large payments applied to my principal. It is my money and my payments and I should be allowed to apply them however I would like to without the disguise I experienced with AES. <P/>I am educated on loans and spend A LOT of time investigating before I was able to get an answer on what the program is, how it affects my payments, and how to disenroll.
<P/>
AES must be required to provide more clear communication to their customers about their forced Pay Ahead Status enrollment and how to disenroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife, XXXX ( XXXX ) XXXX XXXX filed her report under case # XXXX # XXXX IN XXXX 2016. The following letter to XXXX, XXXX and Transunion will point out the problems we have incurred in trying to get the credit bureaus to take off XXXX of XXXX XXXX and also XXXX ( all of which were involved in the repossession of our home, which we feel might, infact, be mortgage fraud ). XXXX removed the information ; Transunion removed XXXX of XXXX XXXX as a direct result of you helping us. My wife overlooked that XXXX was involved and apparantly purchased the debt from XXXX etc. I would also like XXXX to remove the same information from our credit. I am attaching a certified letter that we sent to all XXXX XXXX credit reporting agencies which tells our story.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Bank XXXX XXXX pulled credit report and I have no ongoing activity or account, or request for service with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: WELLS FARGO & COMPANY
State: NY
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:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
Wells Fargo card is for {$23000.00}. XXXX XXXX ) is for more than XXXX XXXX.I have contacted Wells Fargo by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.

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 2021-07-25
Company: EQUIFAX, INC.
State: VA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong old addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
In accordance with the Fair Credit Reporting act XXXX Acct # 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