BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: AZ
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:
According to below LAW States 15 U.S.C 1681 section 602 A. : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In XXXX. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit 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 2016-07-12
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had an unauthorized charge of {$1.00} appear on my dormant credit card on XXXX/XXXX/16. I contacted CITI and they removed the charge and cancelled the credit card. When they issued the new card the transaction was re-posted on XXXX to the new card. I have attempted to contact CITI on XXXX occasions and still have not been able to get the charge removed. 
This has been the most frustrating experience. I feel that CITI 's actions range from either utter incompetence to criminal theft. I believe that these actions are systemically imposed to frustrate consumers to the point that they give up on attempting to collect the money owed. 
Contacts : Called on XXXX at XXXX XXXX for XXXX minutes. Disputed re-posted charge at time when I noticed the {$1.00} charge had been re-posted to account. 
Called on XXXX at XXXX XXXX for XXXX minutes. Follow up call where I was informed that dispute was still in process and must have been written on paper on XXXX and was n't entered into system until XXXX. 
Called on XXXX at XXXX XXXX for XXXX minutes. I was advised to call internet security because the charges were showing as removed in the customer service system. 
Called internet security on XXXX at XXXX XXXX for XXXX minutes. I was advised that the removal of the fraudulent charge had been reversed with no reason. 
Called customer service on XXXX at XXXX XXXX for XXXX minutes. I cancelled account and was again promised for the 4th time that the charge would be removed. The customer service representative stated that the case had been sent over to internet security.

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 2022-09-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get these accts off my report. I am not the one trying to get credit cards or loans. This is fraud and none of the credit companies will help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 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 2020-07-16
Company: EQUIFAX, 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:
Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
1. On XXXX/XXXX/15 I made a deposit by Check to the line of credit account at Wells Fargo in the amount of {$49000.00} using XXXX Bank. 

2. The check was cleared from the XXXX XXXX on XXXX/XXXX/2015 ; However till date the credit is not applied to my line of credit account at Wells Fargo. Now, the money is not available at the XXXX XXXX as well ; since it 's been collected/claimed by Wells Fargo3. Called WellsFargo and they said the {$49000.00} will be available on XXXX/XXXX/2015 which is after a month, I have made a deposit. 

4. WellsFargo will dearly charge me an interest for entire month until the funds are available to my account ; now this is a day light robbery. 

Please help and if possible ; investigate the unfair practice at the wells fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started calling Chase bank, the company that holds my mortgage, on XX/XX/XXXX and continued calling the XXXX and XXXX. on all three days my call was dropped after 3 1/2 hours or with a message that the call center was closed. I spent 9 hours trying to talk to a representative concerning my mortgage. I left a message on the company 's secure message page and after 2 days I have not received an answer to my request. 
I have been out of work for two weeks and my employer has informed me that the work stoppage will continue through the end of XXXX. 
I have written a request to defer a few mortgage payments during this time. I am unable to reach a representative of the bank or get an answer of any kind. 
I hereby submit a complaint against Chase bank not fulfilling their part in the federal government 's statement to help in these times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV is attempting to levy my bank account on a debt that i have no ideal about. They have added interest, attorney fee to this alleged debt that they have yet to prove and due to the fact that they have not followed proper civil procedures they have obtained a clerical judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX XXXXSpecialized Loan Services, LLCSince XXXX 2013 I have had issues with Specialized Loan Services. I have spent over {$100.00} in USPS Certified Mail this year alone requesting information and help with my account and payment history and have not received any replies to these requests. Per the attached XXXX documents, I am requesting they remove my escrow account from my mortgage and make me responsible for paying for my flood insurance, homeowners policy and taxes. I will be responsbile to provide them proof of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company 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 2020-03-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : SYNCB/PPMC for {$980.00}

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 2016-08-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Paypal Holdings, Inc
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XX/XX/XXXX.FAST FORWARD TO XX/XX/XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX  XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. WELL A FEW WEEKS AFTER THE PURCHASE I WAS MAILED A REMAINDER STATMENT FOR MILEAGE AND WEAR AND TEAR. I IMMEDIATELY REACHED OUT TO XXXX  XXXX XXXX TO SEE WHAT THAT WAS ABOUT. I WAS TOLD HE WOULD LOOK INTO AND HAVE IT FIXED. WHICH WAS THE LAST TIME I HEARD ANYTHING ELSE ABOUT THE LEASED LOAN. WELL I AM CURRENTLY IN THE PROCESS OF PURCHASING A HOME AND I WAS ADVISED THAT THE LOAN IS STILL SHOWING CURRENT AND OPEN, WHICH WAS MINDBLOWING TO ME AS I HADNT MADE A PAYMENT SINCE XX/XX/XXXX& THE BALANCE WAS SUPPOSE TO BE TAKEN CARE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Their investigation did not fix an error on your report

Complaint:
I had a previous dispute about a name XXXX XXXX that has been removed from my credit file. But the Acct # XXXX from the ILLINOIS DCFS under the name XXXX XXXX and my Credit file name is XXXX XXXX I never used or every went by the name 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 2016-01-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2015, I purchased a small welding machine online through Paypal. I remember typing in personal information including my last name, email, address, social, and credit card info. A few weeks later the tool I bought was delivered to my house. XX/XX/XXXX, I received an statement from Paypal Credit through my email stating that I owed money to them for this tool. At this point I have never even heard of Paypal Credit, and I was sure I already paid for this tool. 

Immediately, I pulled up all of my past credit card statements looking for the transaction I was sure I made back in XX/XX/XXXX with Paypal. I found nothing. To my surprise I came to the conclusion that my credit card was never charged back in XX/XX/XXXX. Next, I decided to call up Paypal customer service to straighten out this situation. I learned that I was somehow signed up for Paypal Credit which was a complete mistake. I was deceived and tricked into signing up for this service. I would never sign up for Paypal Credit. At the time I was certain I was signing up for a new Paypal account to buy this tool. 

On XXXX/XXXX/15, I sent PayPal Credit a check for the price of the tool which was {$250.00}, I refused to pay {$140.00} they claimed I owed in late fees and interest charges. 

I do not buy anything on credit, I pay off my statements monthly. I have sent XXXX separate letters to their headquarters, and my wife, daughter, and I have made several phone calls to them. They give us the 'run-around ' every single time and now my fees are up to {$220.00}. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX anyone!! We filed a fraud claim. In the meantime, XXXX XXXX " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!

Company response to consumer: Closed with explanation