BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Enterprise Acquisitions
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Enterprise rent a car in XXXX PA employees discriminated against me and my mother for having Spanish names, refusing to take payment for a car rental, even legal tender as dollars in cash. Threatened my mother with reporting the car I had just returned stolen for not paying the bill they refused to take payment for. This happened today XX/XX/18. I have video evidence of the returned vehicles perfect state. We immediately called XXXX police non emergency number and spoke with officer XXXX, as they threatened to report the car I just returned stolen, and I spoke with enterprise corporate who assured me they would look into this. I also tried contacting the through social media but received no response. And now I wait for them not to do anything and allow racists to keep working for them.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , inc., I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXXXXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took out a loan with XXXX  back in XXXX when I was XXXX in Alaska to purchase my used XXXX XXXX XXXX. I've had issues with them a few years back while I was in XXXX and haven't been able to reach them since. I've been making all these payments and have no idea where my title is. 

I also had an account with XXXX financial.

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 2022-03-16
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notice to my address XXXX XXXX XXXX XXXX XXXX CA XXXX despite a USPS address change after I moved on XX/XX/XXXX regarding an unpaid balance. It wasnt until I downloaded my credit report on XX/XX/XXXX and saw the derogatory marks that I immediately paid the overdue balance from XXXX XXXX. If I had received a notification, I would have paid immediately as the balance was only {$29.00}. 

I also have an active account with them and have had an active account for years, set on autopay, so the fact that they werent sending me billing notifications via mail or email is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I want to see if there is any way I can qualify for the  Public Service Loan Forgiveness Program.    I consolidated my federal student loans in  XXXX . I have made income based repayments since that time and have been continuously employed by state government since  XXXX . When th e PSLF was  enacted in  XXXX , my loan servicer did not make me aware of the PSLF program. Had I been made aware of the program, I could have reconsolidated my loans into  a Direct Student Loan and w ould then be eligible for forgiveness of the remainder of my loan in  XXXX ,   XXXX  . I believe it was unethical for my loan servicer to withhold this information from me and, with the help of the cfpb, I am hoping all those borrowers in my situation will find relief - either directly through the PSLF program of by holding our loan servicers accountable. Please let me know how you can help and what other steps I can take. I have about {$80000.00} in outstanding  XXXX  school loans which would be eligible under this program.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I paid a second off years ago in an agreement, they claim they never received the check, but I provided proof I sent it. Now they are trying to foreclose on my property. First, I tried calling them and just got automated services. 

I had hire an attorney to stop it the forecloser, but looked them up and they have a criminal record. both the president and CFO of XXXX XXXX XXXX XXXX are in jail for fraud. 

Now I again offered to pay them and they are trying to ask me for 5 times as much money. 

I need help in what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer FInancial Protection Bureau & Experian Dear CFPB this is not a duplicate and this is a follow up on the response that Experian sent to me via email yesterday. I am submitting new documents to you as a complaint that will hopefully get Experian to closely look at what I am requesting and what I am submitting to them. I received a response that they are deleting " XXXX '' inquiries off of my report and in reference to CFPB # XXXX the original complaint they again have ignored my request and again are doing a stall tactic.I am desperately asking that the please handle this matter promptly and discontinue to ignore my request as being a victim of identity theft. Initially, I praised them for their efforts but after taking a closer look they did not do anything but send me a letter requesting the same information and this happens almost frequent. I can go to experian.com upload documents and they claim to never get them etc..just prolonging and continuing to be unethical and damaging my creditworthiness. 

I have uploaded my drivers license and items they have been requesting since XXXX and they should have what they need on file. Instead they send the same letter asking for the same information. I am not sure why the send back to me a letter that request the same information over and over which it truly frustrating. They need to please handle this matter promptly for this is about the sixth time I am sending this information. This time I am submitting what they are requesting for our tracking purposes and so that you at the CFPB can see if Experian will handle my file in the most ethical manner. 

Attached again are my a copy of my drivers license, bank statement to have these items deleted as soon as possible. Also attached is the same document that Experian sends as a stall tactic instead of fixing my problems. It disturbs me how they can continue to destroy a person with their business practice ignoring and not doing as they say they would. 

Experian it is time that you please do the " RIGHT '' thing and discontinue damaging my creditworthiness. 

Other requested information XXXX XXXX XXXX XXXX XX/XX/XXXX Preivous address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Current address XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2015-09-27
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking over my report & I noticed after 40 days some accounts I have disputed against the creditors & credit bureaus is still reporting. I mean obviously these accounts are inaccurate & going against my rights with the law. ( section 609 fcra ). I am dissatisfied & ask that these accounts be removed ASAP.

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 2022-07-11
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: Account information incorrect

Complaint:
hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and Equifax says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report XXXX XXXX reported this account but the information is completely inaccurate. I have already sent letters to equifax about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, Paypal closed my account for no reason and without getting any help or assistance from them. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a month but I was just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me. Great deal as I used Paypal quite frequently. My email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: IN
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:
Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had merchant services with Bank of America for a credit card terminal for my business. 2 years ago, we decided to cancel this service and go with another company.  BofA  advised that I need to return my terminal equipment and my services will be cancelled. I returned the equipment as they advised.  <P/> Just recently, I was going through my bank account statement noticed that every month  BofA withdrew two separa te payments of {$19.00} and {$20.00} from my account. I called them to ask what this is, and they said that this is for the merchant service terminal that I currently have, even though I have n't had this service for 2 years. I told them that I returned all my equipment, and that it should automatically be cancelled once they received it. They advised that after I returned the equipment, I was supposed to call them and personally tell them to cancel the service, even though they never told me this. How does this make sense? If I do n't have your equipment nor your service, how are you still charging me for leasing your equipment? This is the same thing as leasing a vehicle, returning it when the lease is up, but they still charge me every month for the vehicle because I did n't call them to cancel it. This is FRAUD.  <P/> I spoke to many different people from  BofA, includin g supervisors and managers. A lot of them were silent and could n't give me an answer because I 'm sure they knew it was illogical. They just kept repeating that I should have called them and cancelled. Some even said that  XXXX   XXXX  ( the terminal company that BofA uses  )  is the one who 's been charging me, and not BofA. I called  XXXX   XXXX  and they did indeed see the charges, but confirmed that it was BofA sending the charges. So we conference c alled BofA  with  XXXX   XXXX  and they exp  lained to BofA that this was Bank of America sending the charges, and BofA agreed.
<P/>  BofA finally can celled ( last month in  XXXX  ) th e services that I never had for 2 years, but I need them to refund me all of the money that they 've been withdrawing from my account in the past 2 years. This is fraud. They 've literally been stealing money from my bank account for services I never had. This is similar to the  XXXX   XXXX  case, and will not be tolerated.  <P/> I will take this to court if it 's not resolved here. This is unacceptable.

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 2017-05-30
Company: Progressive Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau

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 2017-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with XXXX XXXX XXXX for XXXX. The account has been closed since 2012 and is now showing open on my credit report. This information is inaccurate on my equifax report. This has affected my credit report with the wrong information. The account was opened 7 years ago and should 've been removed. I 've disputed this and now it 's showing all this different information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After review of my credit report I sent for a dispute on inaccurate information to XXXX, Experian, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX Experian is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : 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 non-monetary relief
Consumer complaint received 2018-12-04
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX  was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. www.gatestoneco.com

Company response to consumer: Closed with non-monetary relief