BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: AMERICAN HONDA FINANCE CORP
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments

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 2022-08-29
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:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you help.

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 2015-06-21
Company: RSI Enterprises, Inc.
State: DC
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 got a letter today, XX/XX/XXXX, from RSI enterprises inc., saying that it was attempting to collect a debt from the DC office of tax and revenue. It says that I owe {$4900.00} for a tax period end date on XX/XX/XXXX. It then directs me to pay online XXXX. The issues include:XXXX I did not live in Washington, D.C. during the XX/XX/XXXX tax year, so I do not owe this debt. I would attach a receipt for my XX/XX/XXXX state tax return for the state where I was living, but I do n't want to give RSI more of my personal information. 

XXXX. If this even is a legitimate debt collector with bad data, and not an outright scammer, a ) this is the XXXX I 've heard about this issue -- has this hurt my credit because they notified me 5 years after the data error was made? b XXXX it says the principle was {$2400.00}, the interest is XXXX, and the penalties are {$600.00} -- they essentially XXXX the supposed debt? No wonder they did n't try and tell me sooner that they thought I owed this -- they could charge more interest/fees. 


XXXX. I am split on whether or not this is even a legitimate debt collector. " OfficialPayments.com '' is the most scammy sounding website I 've ever heard of. This is exactly what scammers do to try and trick people -- send official looking letters with threats of owed money, and then tell them to send money through sketchy .com websites. 

XXXX. The letter includes a logo for the " XXXX. '' If RSI Enterprises, inc. is actually a member -- they would have a ) a legitimate website, b XXXX better data. If they are a member of the " XXXX, '' they should be kicked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in forbearance due to covid from XXXX to XXXX due to my husband losing 40 % of his pay he works in XXXX XXXX  XXXX till now he still has a lower income we applied for another modification and we were denied!! I am XXXX and my son is a type XXXX XXXX!! My husband and I want to keep our home. I dont understand why Selene finance can not drop the interest rate and lower our payment they are not willing to work with us at all!! Im am simply distraught by all this!! Please help me and my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
The following Credit Reporting Agencies XXXX XXXX, Equifax XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to XXXX, Equifax XXXX XXXX with my demands after I file this complaint. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am making a compliant on Select Portfolio Servicing , Inc., regarding my loss mitigation process. Back on XX/XX/XXXX, I requested for a loan modification and since then, all SPS has offered was giving me the runaround with request of the very same documents they have already received. And I ca n't began to tell you how many times I had to start the loss mitigation process over again as SPS would let the requested documents submitted age out and then put the blame on me stating they did n't receive them. I never got a call nor did SPS send me a letter describing what additional documents they needed to move forward with review of my loss mitigation. And they did not ever send me any updates on the status of my review for loss mitigation. 

The date I last submitted documents requested by SPS was on XX/XX/XXXX and I still have n't received any outcome of that loss mitigation, not to mention these were the same documents I have sent in multiple times so I feel that SPS has intentionally prolonged the review process. 

However, SPS did n't have a problem sending me a default letter dated XX/XX/XXXX wherein it 's stated there are options available for me to stay in my home, one of which is loan modification. This is not only confusing but it is deceptive, abusive and unfair. I have diligently provided any and all documents requested by SPS yet without completing my latest review, XXXX XXXX from SPS in a phone call on XX/XX/XXXX, stated that my account has been referred to a foreclosing attorney. How can they be reviewing me for loan modification at the same time they are initiating foreclosure? As I understand it, this is Dual Tracking and it is illegal. 

My hardship started when my husband XXXX got ill and since, he has unexpectedly passed away. This has been devastating for me and my son this past year. I am doing my best to cope with each day without the additional heartache of having to deal with SPS on a matter which should be pretty cut and dried. They are grossly negligent in their process of reviewing me for loss mitigation and I feel they have no system in place to follow the rules and regulations of CFPB or they just do n't care. SPS seems to take no accountability for their actions and I feel how they treat borrowers like me is of no importance to them ; that they are completely insensitive to the chaos they cause in one 's life by all the misinformation and the runaround from the account representatives. 

I kindly request that I be awarded a loan modification as SPS has failed to review me in a timely manner and they did not follow the process of loss mitigation by following the Making Home Affordable guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a 12 month promotional plan and divided the payments by 12. I then set up auto pay to have the appropriate amount deducted each month so that it would be paid in full by the expiration of the plan. I also enrolled in paperless billing to save paper. The last month the bill was set to pay off the balance on XXXX XXXX.I believed that the last billing cycle would be the expiration of the plan and I paid it in full by the end of that cycle. Unbeknownst to me the expiration for the promotional plan was 6 days earlier, XX/XX/XXXX. The company purposely sets the autopay date after the expiration so that they can charge you interest on the entire initial balance. In this case that interest was {$550.00}. My last payment amount was {$330.00}. Obviously I would have paid it 6 days earlier. They then charged me a late fee and interest for the month of XXXX because I thought the balance was paid. I only noticed it because it showed up on my credit report as a revolving balance and I knew it should have read {$0.00}. This seems to be unfair and predatory, relying on a technicality in order to trick customers. I work hard to ensure that all of my bills are paid on time and do not appreciate these tactics. I reached out to them and spoke to a supervisor who tersely informed me that they can not reverse the fees/charges. I also reached out on twitter and received the same response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am XXXX XXXX XXXX XXXX, I have a paypal account about three years ago, they deposit me for my XXXX  therapy and XXXX XXXX services, the problem is that some time ago they started asking me for a certificate from the company which I said that I was in the process since here in XXXX I had problems with my address for a place that I had physical and as I changed my address there were problems with Internal Taxes, at the end last year in XXXX I could fix it after two years with the process and I could get the happy certificate that here in XXXX talk about Initiation of Activities I sent it to him and a month ago that they are with problems that now they limited my account I can not get my money from which my clients have paid me and it is not money laundering in any case and they tell me that in 180 days my account will be returned to me and that is six months withheld which by law they can not do in any country. I need the money I have there and I also want the case to be defended because they are trampling on the rights of international clients. My email is XXXX with that I have the paypal. I hope you can help me, I send them my identification documents and my initiation of activities. regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had a credit card with XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of spring oaks capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

iXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX Spring Oaks Capital XXXX XXXX  XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Officer, I have been a loyal customer with Wayfair for the past three years or so. During the First year, Wayfair changed twice their business relationship with Credit Card Company that managed their  account. On XX/XX/2020, I received another communication thru XXXX XXXX  that managed Wayfair Consumer Accounts indicating that their business relationship with Wayfair has ended without any confirmation from Wayfair Corporate Office stating what happened to their loyal customers that have been affected with this closure. I am very upset of the way Wayfair treated their customers in this regards. Wayfair damaged my credit profile by closing my account without any reasons or explanation. When applying for Wayfair credit card, a hard inquiry is placed into the credit profile that lower for short period of time the credit score. So, I am extremely frustrated with mismanaging my account and  distroying the line of credit that I established for a long time with this particular Online Store. Government authority should investigate the legality of this issue since several consumers as I am are experiencing this flip flop with their financial institution and how they conduct the business without informing their clients or staff members. I can add that I have been surprised that even their staff member were not informed until our account were terminated without sending any internal memos  advising their staff that the relationship with XXXX XXXX  had been terminated and without any compensation since they damaged million consumers account credit profile. Investigation of this magnitude should be investigated. Wayfair should be out of business and reported to the Media and others government entities not trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
WRONG INFORMATION REPORTING ON EXPERIAN THAT NEEDS REMOVALS OF ALL ITEMS BELOW. 

XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX  XX/XX/2022 EXPERIAN XXXX BANK XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN

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 2022-08-29
Company: EQUIFAX, INC.
State: LA
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 there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-29
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Unknown unauthorized charges to my bank account have occurred without my knowledge and my bank wont even respond to my disputes, and pay pal was even less helpful. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX {$290.00} is what its on my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

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