BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
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 7th endeavor 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 alleged fraud or extortion 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 2017-08-16
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is charging me and sending me to collections for {$28.00}. This was for coverage I paid for but did not receive. After getting into an accident, they refused to pay for the coverage I had.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a call from XXXX Santandar at XXXX I was under the impression they are not to call after XXXX my time. It was inconvenient and the man spoke too fast I could n't get his name. 
I was already in bed when he called, thinking it was an emergency from my kids. 
We should n't have to be bothered that late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong Address reported : I do not nor have I ever resided at XXXX, NV 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 2018-12-01
Company: EQUIFAX, 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:
Child support account showing on my credit reports is not mine. I have disputed and it was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Background. Paying with Paypal is always a challenge to pay by credit card. By default, the option for payments available when you check out is always cash from a bank account, and to pay by credit card, you need to edit that option each and every time. Recently I purchased a laptop with Paypal and when I did checkout, I changed the payment option to my XXXX. However a couple days later I was shocked to learn that paypal did not use my XXXX but withdrew the money directly from my bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. 
Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been try to get modification done by bayview loan company I been in touch with lady by name of XXXX XXXX but after talking to her a few weeks ago I have heard anything else about my paper work been filed or sent up to review board I been trying to reach her but no response I also call on monitor talk to a supervisor but they hang up the phone on me I need help try to get some answers from them. Can you please help me thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. Please 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 explanation
Consumer complaint received 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX treated my dog, overcharged me and they were paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: LEXISNEXIS
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a victim of the XXXX XXXX and XXXX data breaches. I requested my free annual credit report from LexisNexis. I also requested that my file have a security freeze placed on it. LexisNexis told me that they are not a credit reporting agency and would not give me a copy of my file or place a freeze on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Cash advance fee

Complaint:
I bank with Wellsfargo and also have a credit card with them. All of my checkings, savings, and credit accounts are linked. XXXX XXXX, 2016, XXXX, sent an unauthorized transfer request for {$1000.00}, resulting in an overdraft of XXXX from my Wellsfargo credit card to my Wellsfargo Checking account. I called immediately when I noticed my account was off. I was told that it would be quicker for me to resolve the issue with XXXX directly. I called them and it was resolved in 2 days. I asked Wellsfargo to reverse the transfer of funds and was told I would need to call the credit department and handle it on my own. When I called WF CC company, I explained the circumstances and the lady " understood '' waived the cash advance overdraft fee and told me I would need to authorize a " payment '' with her to return the funds. I later found that it should have been a credit reversal. When I received my XXXX or XXXX statement, I found I had been receiving a cash advance fee charge since XXXX or so. At this time, there are 3-4 months of cash advance charges on my credit card. I called because my transactions are the same as always so I knew something was wrong. I found out thr charges stemmed from the original XXXX transaction so I asked how to resolve. I am sure they can go back through call logs to see that I 've spoken with about XXXX people who all assured me it could be resolved. In short, I was last told to contact Wellsfargo Checking and follow-up on my initial claim. I did so and was told it was as simple as a form and that I 'd hear back in 10 days, which I did by letter. Unfortunately, the letter only reiterated what I already knew. Because I resolved the issue on my own, as prompted by the representative from WF Checking, my issue indicates a simple debit and credit in the amounts of {$980.00} and {$1000.00}. This does n't resolve my issue and no one from WF Checking or Credit Card seems to really understand and want to resolve the issue. I am beyond tired of following up on and this and attempting resolution. I 've also filed a complaint against WF Checking as I feel both company areas have failed me miserably. I may not be rich and I may " get by with a little extra left '' but it 's still my money and I still deserve to be treated just as well as any well to do client. I am tired of calling and following up and getting the same results. Everyone seems to understand the issue but who has the power to rectify it. I just need this issue resolved and closed. However, I will say this, I do not allow anyone to defraud me without repercussions. I will follow this process through and if it need be, get my local media involved as well. I 've been bounced to so many people, I just need to speak with someone who can resolve the cash advance issues on 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 non-monetary relief
Consumer complaint received 2016-06-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal has limited my account and would not allow me to access my OWN money for 180 days. All I did was transfer {$800.00} to my other account and they decided to do this to me. I no longer wish to use Paypal and would just like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
credit limit was lowered from {$4000.00} to {$200.00} without notice and phone call to XXXX XXXX revealed they had done a soft check on my credit and XXXX had reported erroneous negative info, check with XXXX and credit is is good with them so dispute is with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I attempted to send a dispute letter via US Postal XXXX to the address listed in several parts of their website and forms as XXXX, XXXX, PA XXXX. The USPS said that XXXX is no longer valid. I finally found an alternative on a consumer watch group website. Please require TransUnion to update all references to their old address as they are avoiding receiving complaints this way.

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 2016-01-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Bogus account number listed on my credit reports is XXXX

Company response to consumer: Closed with explanation