BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose 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 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 XXXX XXXX XXXX XXXX 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 2017-02-07
Company: PNC Bank N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I filled out an online form around XXXX XXXX. Received a call from them the following day and was instructed to register to to an online account to which they have already set up using sone info in my application form. I was told that my username is my email address and password is my Social Security. 
Once I have logged on, there was already a contract ready for my signature. After verification of my bank details I asked some questions regarding the contract. At the end of the phone convo I told the lady that I am not signing the contract yet and I will just get back to it later. To which she said it was okay and that she will be calling me again, or I should feel free to call them back on the number she was using to call me. 
Not sure if she called me back. When I logged on to my Myquickwallet.com account, the loan agreement/contract was no longer there. I tried to call their number back but couldn't reach them. Now, on that account, my personal information are listed including my Social Security number! Like if someone hacked my account, the hacker would have easy access to my Social Security number. So, since the personal loan didn't materialize, I have decided to just have them deactivate and completely delete my account. I sent them an email requesting for such action since I can't do it from my end, but the email bounced back to me, it said the the email address can not be found. 
I am faced with the dilemma of an unsecured Social Security number and personal information. I just want Myquickwallet.com to deactivate my account with them. Please help me. 
These are the contact numbers tgey have on their Web site : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I certainly hope my complaint merits your favorable action. Thank you and more power.

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 2015-06-28
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my 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 explanation
Consumer complaint received 2020-12-30
Company: CL Holdings LLC
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:
Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX  and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies. 
Thank you. 

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address. 
CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX  investigated your dispute but did not change your information. 
See your current report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I received a text message on my phone from an unknown number. By replying to this text it allowed a hacker to hijack my phone. This gave them full access to everything on my phone including banking apps. The hacker used this information to do a cash advance of {$2200.00} to my credit card. I reported it as fraud and a case was opened. The case was closed because the bank claims my pin number was used to get the cash advance. At no time did I give my pin to anyone, especially for a large cash advance. I have disputed the claim and asked it to be reopened. XX/XX/2020, a second cash advance for {$2200.00} has now appeared on the new card they issued to me after the first incidence. I called in the claim today, XXXX XXXX. They told me to call back in a week to follow up. This was exactly what they said last time. Then they transfer me between multiple departments. First they did not resolve the first fraud incidence and blamed me for it, now they do not offer protection against it happening again. I closed the credit card completely today, but was told I am responsible for the {$4400.00} in cash advances until the fraud case is cleared. I am filing a police report with my local department today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried 3 times now to get on an assistance plan with Bank of America for by credit card ending in XXXX and it's like trying to get blood from a stone. I have tried on the phone and thru online chat, and I either get the runaround or they just disappear on the chat after awhile ... this is ridiculous, I'm trying to make good amidst a pandemic and they are uncooperative.

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 2018-05-30
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello I wired {$60000.00} ( XXXX XXXX  ) to XXXX/Coinbase onXX/XX/XXXX, I verified every information on XXXX page, routing #, acc # and wire message twice before sending the money.

wire info : REF : XXXX XXXX XXXX XXXX TRN : XXXXXX/XX/XXXX After a few days without my Coinbase acc being credited I wrote support and they gave a ticket # XXXX, on XXXX I received this email " '' Hi XXXX, Thanks for sending in the requested information.

The wire may be returned because it was missing your banks details in the originating institution field.

I am working with a payment specialist to address the wire properly. We will follow-up with you as soon as we have an update " As of today XXXX  I haven't received any update on my case, customer support doesn't respond my emails, phone support does not have access to bank transactions, basically there is no real person to talk to about this type of issues, just an unresponsive email address.

bottom line, as ofXX/XX/XXXXI don't know where my money is.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My care was stolen on  XXXX / XXXX / XXXX  and when it was found on  XXXX / XXXX / XXXX  it was considered a total loss by the insurance  adjuster  with the insurance company  (   XXXX  ) .At the time of my lost I owed {$21000.00}. My insurance company  (   XXXX   )  paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection  XXXX   XXXX . I received a letter in  XXXX   XXXX  stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but  pay this remaining balance. I called GAP with  XXXX  spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company  (   XXXX   ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company (   XXXX   ) p aid Santander  XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of  XXXX / XXXX / XXXX  the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the  XXXX   XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a voicemail from Ace saying I will be sued in XXXX XXXX and my job will be called to locate me. My wife got the voicemail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: ME
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:
In XX/XX/2018 XXXX XXXX sent me a XXXX, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a XXXX Card in my name. SInce XXXX effectively canceled the debt by issuing the XXXX, they can not report a balance or past due amount on my credit report. I disputed this through Equifax, which XXXX verified the balance and past due amount, there by violating the FCRA as since the issuance of a XXXX cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. XXXX  is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank

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 2020-12-30
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-30
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: Account information incorrect

Complaint:
XX/XX/XXXX I sent Honda Financial Services a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter Honda Finacial Service have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacte d National Credit Systems  on  XXXX   XXXX ,  2017 . I spoke with  XXXX   XXXX  est.   She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both Equifax and XXXX.

Company response to consumer: Closed with explanation