BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from 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 2017-06-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Citi bank NA has been reporting loans past the statute of limitation to my credit bureaus.
They had sold some loans 23 and 26 to   XXXX   XXXX   XXXX   XXXX   that has been harassing me and contacting me for repayment. Citi bank is no longer reporting those loans because of their erroneous error they had to remove them.   XXXX   XXXX    has not removed said loans and continues to contact me for repayment of erroneous loans.
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Citi bank also has the first date of delinquency for loans 21 and 22 listed as XX/XX/XXXX  which they said would remain on my credit for a period up to 7.5 years.
florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS.
Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money.
THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS 221 AND 22 AND PAST THE DATE OF LOAN 20 THEY SOLD TO DISCOVER BANK  XX/XX/XXXX  THAT THEY CHARGED OFF IN  XX/XX/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 2019-12-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX Equifax and XXXX  still shows an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
XXXX3 money orders purchased from Westen Union , {$1000.00}, {$1000.00} and {$43.00} and sent to XXXX Dept of Finance to pay property tax bill. After several weeks, payment from the money orders not reflected on said tax bill. XXXX Dept of Finance claimed that they never received money orders, they were never processed, endorsed, or applied to the tax bill. 
Tracers were put on the money orders, and when results received, the money orders were not endorsed. Claim forms received from Western Union were filled out and sent to XXXX DOF on XX/XX/19, to sign off on and notarize. After 4 months- DOF legal refused to return claim forms, saying that since they were not received by them, they had no obligation to cooperate. 
Notarized letter ( attached ) by the homeowner explains everything and has all the necessary documentation to substantiate the claim. Claim forms sent to Western Union on XX/XX/19. Letter received on XX/XX/19 stating that the claim could not be processed as the claim forms were not signed and notarized by the payee -- even after a notarized letter sent to W U stating that the XXXX DOF was not going to cooperate. 
An e-mail from XXXX DOF-on letterhead, with DOF contacts, sent to Community Board # XXXX, stating that money orders not received, processed, endorsed, was include as proof of claim. 
A call to WU on XX/XX/19 determined that the claim would be escalated and to call back in a few days. A call was made on XX/XX/19 which determined that the sponsoring bank ( W U would not divulge name ) denied claim due to the claim not being signed, and one claim was sent to bank, Western Union 's responsibility ended and was not in a position to process calim any further. W U still would not advise the disposition of the money orders ( cashed or lost ), as the claim was not formerly processed. 
Homeowner is in areas in paying his XXXX property taxes as he is a senior citizen on a fixed income, and was waiting for the claim to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: AL
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

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 2017-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a small business owner, I own a   XXXX   XXXX   XXXX   and I started selling  XXXX   XXXX  on  XXXX  for extra income on the side. My   XXXX   purchases are linked up with  PayPal where customers would pay using PayPal and once PayPal confirms the money I will ship out the item and once the tracking number is provided and is delivered PayPal will release the m oney.     At first everything was fine but once I started to have more orders they started to hold the funds, initial hold was 21 days I was n't too happy about that because I offer custom make  XXXX  gold jewelry and with gold the market fluctuates every day and I need cash flow to run the business. If the customer has received the merchandise my funds should be released. Then I get a call and email saying they will no longer be able to release the funds in 21 day now is 90 days and few days later I get another call and email saying they will hold 10 % of all the money for 180 days. Every deal I make my profit is only 10 %  Currentl  y PayPal is  withholding {$28000.00} Please help with this situation. You can reach me at my mobile  XXXX  or business  XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX  Original account : XXXX XXXXXXXX XXXX  XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the to privacy. 

XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
Late Payments Were Put Onto My Account whenever I Was Enrolled In XXXX. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From XXXX Years Ago Now.

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 2018-03-27
Company: EQUIFAX, INC.
State: MS
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:
First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with XXXX  as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.

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 2021-11-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Per my request to Wells Fargo I advised them in writing that I was mislead and mistreated on the day I purchased a car. I notified Wells Fargo verbally on multiple occasions expressing my concerns with their company. The contract was very Confusing and misleading per the fraud services that were added without my knowledge which was GAP insurance and extended service. This was in fact removed off of my contract by my complaint but it was already included in my price of my car leaving the dealership. I have been struggling with this complaint since the beginning of the contract speaking with those at Wells Fargo! I spoke with a representative due to a returned VM early 2021. I was advised that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call back in XXXX by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Wells Fargo is in violation of is :15 USC 1605-1692 Fair Debt Practices, 15 USC 1681 FCRA, 15 USC 1601-1667f Truth in Lending Act, 15 USC 1691 The Equal Credit Opportunity ACT, 15 USC 6801*6809 The Gramm leach BALILEY ACT USC 1605 states and 12 CFR226.3 : Transaction should be the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed. The amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. I am paying cash for my car loan monthly which this was already paid by my Estate per my bonded birth certificate. Also no cash transaction are legal on this loan per this law. The rep advised me this was NOT against the law which is incorrect! 15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing. At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind which by law I was also NOT provided in writing or verbally I am demanding this contract to be null and void per 12 CFR226.3 I know by law that I am not liable for any finance or other charges!

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 2017-06-19
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
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 mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.

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 2019-12-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a product from XXXX XXXX using their store credit card for the amount of {$48.00} so I could take advantage of the holiday sales promotion and accumulate more key rewards points on XX/XX/2019, within a few hours, I received an email stating that my purchase was shipped to my home address. Today XX/XX/2019 I would like to pay my XXXX XXXX credit account down to XXXX ( the total amount of this product purchase ) I am not being allowed to pay my balance of {$48.00} online through their credit account payment system. I am also not being allowed to pay my credit account through the phone. Both platforms say that I have no balance due at this time even though my available credit has been decreased by the {$48.00}. I believe that they do this so that I can forget about making my payment and they can charge their monthly finance fee and interest. Any other department store including XXXX, XXXX allows me to make a payment to my credit account right after making a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
State: NC
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:
This debt was put into judgement in XXXX XXXX, NY  in XX/XX/2013. I told several people who called from this company but that has not stopped the repeated calls. This week I have received 23 calls from this company, personally, I find that excessive to say the least. Most of the employees are incredibly rude and threatening, all have had same line of I was going to be served by the sheriffs dept. and possibly arrested. This debt was not mine as I was a victim of identity theft. I filed all necessary paperwork after the fact, I didn't even know about the judgement until I went to apply for a car loan.

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 2017-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Innovate Managed Holdings, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX there was a natural disaster on XX/XX/XXXX I called the lender stating the car was a total loss my insurance provider was stating it was inundated in I told the lender the car was going to be payed off by insurance they continued charging and collecting effecting My overall original payout XXXX to XXXX and 3 months of late reporting one person stated they didn't have notes but I spoke to someone XX/XX/XXXX at XXXXXXXX XXXX who stated all the notes where in the system this has caused irreparable damage to my credit report

Company response to consumer: Closed with explanation