BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second time I have reached out for your assistance but I have not gotten any responses. I have been trying to modify my mortgage for over two years to make the payment more affordable. No payments have been accepted by them during this time. 
I was finally told in XXXX they would modify my mortgage and the payment would INCREASE due to the amount it was behind. I agreed to this. I was asked to submit paperwork and did. Several days later, I was contacted and said that was a MISTAKE and my relationship Manager should not have told me that. Since that time, they keep sending me info about foreclosure and a hearing is set for XX/XX/ 2019, not a sale date. At the same time, they assigned me a new Relationship Manager who knew nothing of my case and has not helped at all. I talked to the Ombudsman Dept who offered to have me pay {$25000.00} a month and XXXX down which I can not do. I countered with XXXX ( which is a double payment ). They said they would get back to me. Now, I am being told the " investor '' wont allow it. I called the investor and was told this is incorrect info. I also agree that I would sell my home if I had too but this " hearing '' should be stopped. No one is responding to me and the info I have been given time after time is inaccurate. I cant cure the past due because they have ruined my credit score during this. And are ignoring me and telling me lies. I am in the business and understand the huge amount of errors that have occurred. I need help either having them give me six to nine months to sell my home and they can be paid off completely or them accepting the {$8800.00} payment I have offered to catch this up. The left hand does not know what the right hand is doing and even the atty they hired has made many huge mistakes and compromised my privacy. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called Wells Fargo. I cant even rent a house because of this issue! Not professional.

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 2020-02-13
Company: Experian Information Solutions Inc.
State: AR
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 the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

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 2022-07-13
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I had my Wise account deactivated on XX/XX/2022, I had XXXX in my Wise account. On the same day, I submitted an application for the withdrawal of funds. Now I am very worried about my money, there is a war going on in my country and a very difficult situation, and I am afraid that it will not be returned to me, I looked at many reviews about Wise and found out that they do not refund their customers. I have proof that there was money in my account, I took a video on the day my account was deactivated, I also have a XXXX correspondence with Wise himself, and a statement from my Wise account. Please help me get my money back. Currently, I only get promises that my funds will be returned to me and that they are safe, I am sure that they are scammers and want to profit from innocent people, and return funds only when a complaint is written against them. I really hope for your help, thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I pay a monthly fee for Equifax score watch consumer product however Equifax fails to update my credit score I paid several account off in the past 45 days Equifax report shows that the account balances did drcrrase however my credit score has remained the same the other consumer reporting agencies has received the same information as Equifax and my credit score with them has increased over 100 points in addition one creditor has advised me that they were unsuccessful even trying to pull my credit from Equifax because it comes back with no score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Tax lien is not mine I have disputed this with the other agencies it was all removed would like them to provide me with the name the number and the extension of the person who they talk with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
My Friend from XXXX send me money US {$65.00} to my account in XXXX. She sent in dollars but mg account is in euros. I didnt recieve the money. 
Paid out from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX partner XXXX XXXX ( USD ) Trace id XXXX Transfer overview Amount paid by XXXX XXXX XXXX USD Transfer XXXX XXXX USD Converted and sent to XXXX XXXX XXXX USD Sent to Name XXXX XXXX Account details XXXX XXXX XXXX XXXX Fee Payin XXXX USD Conversion XXXX USD Total fees ( included ) XXXX USD Exchange rate XXXX USD = XXXX USD Reference XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
I am part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
Equifax security breach took far too long to be made public, my record is indicated as compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Amex card through numerous offers sent to me about these different cards and no annual fees. The card they assigned me had a {$250.00} annual fee. The website, literature and terms are very misleading. I dont have credit issues and I dont use credit enough XXXX justify paying that kind of money to have a credit card. I have several and they have no annual fees. I did not see annual fee until I received a statement on XX/XX/XXXX asking for payment starting in XXXX. Amex say it was billed in XXXX but that doesnt make sense and the statement shows otherwise. I cant pay for something I cant see. They told me I missed deadline to cancel by three days. I guess Im supposed to be psychic and know what statements will say In advance. You can see I only signed up for account access on XX/XX/XXXX. I have tried to resolve this issue with company to no resolve. I just want to cancel unused card and terminate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen for this and other pay day loans and taxes. It should also reflect in my personal social security information. Ive had the other pay day loan companies remove from my credit profile but Speedy Cash is very persistent. I also Im given a PIN number to file my taxes every year because of this. Ive tried for years to no avail and is hurting my opportunities to get mortgage and extended lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
Experian was hacked. And am one of the people affected.

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 2019-08-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/19, I sent a payment via Paypal. Per Paypal 's fee schedule, the fee for sending money for goods and services in USD is 2.9 % plus XXXX cents. I was paying a vendor {$100.00}, so 2.9 % of that is {$2.00}. Add XXXX cents, the fee total is {$3.00}. So I paid {$100.00}. However the vendor showed me a screenshot saying he ended up with only {$99.00}. Paypal took an additional XXXX cents on top of what they're supposed to, an almost 1 % overcharge. This caused a debate between the vendor and I, when neither of us are at fault, it's Paypal taking more than their share. This probably happens to a lot of customers and Paypal makes a killing off of these overcharges. I tried calling Paypal but their offices are closed. Will try again another time, but CFPB should be informed and I hope you can help nudge them to do the right thing. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX-Emergency visit to XXXX XXXX XXXX, they received our insurance information and treated our daughter. We paid co-pay and XXXX XXXX XXXX filed insurance claims for the hospital and XXXX XX/XX/XXXX- they were paid by our insurance. 

In XX/XX/XXXX-three years later, I noticed a new collections on the credit report. Requested a copy of the original bill. It was for a XX/XX/XXXX. XXXX XXXX XXXX XXXX. I contacted XXXX XX/XX/XXXX, XX/XX/XXXXXXXX, and the collections agency- this was never turned into insurance ( XXXX ) and we never received a billing at the time of servicel. XXXX XX/XX/XXXXrep said XX/XX/XXXX XXXX was not one of their emergency groups at that time and it is either fraudulent or someone made a mistake when entering. I need help because they keep moving it from collection agency to different agency. I keep disputing and even tried to get XXXX to pay but it was too old by the time we found out there was a bill. 

I have spent many, many hours of the days, emailing and calling trying to get this cleared up with no success. Please, any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Early Warning Services, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were multiple XXXX $ transaction using zelle and XXXX XXXX $ transactions that I did not to do I do t know what they are for but it has made me behind on Bill 's and they tell me that it could b another 10 days b4 I can get my funds back and then it's only going to v part of them. I have called talked the the draud department multiple time on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified LetteXXXX indicating the Payment Status was still reporting inaccurately. TransUnion refuses to correct and update the Payment Status for the account XXXX XXXX XXXX. The Payment History has been updated to no late payments but the Payment Status is still incorrect.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: OH
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 and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX  and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account with out my written consent. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
According to Equifax 's website, my personal data including ssn, dob, etc was part of the data impacted by their security breach. This puts me at great risk for identity theft, to the point that it 's likely to happen. 

I ca n't understand why they are storing all my personal data unencrypted, it makes no sense and seems like pure neglect at best. I 'm quite worried not only for my credit score, but someone could commit crimes with my stolen identity, considering they have access to all my data including SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some one tried to open a Credit card of XXXX XXXX XXXX last weak and this week some one tried to open a Credit card of XXXX XXXX XXXX this is reported to me from Experian to me they had me add Fraud Alert but that did not help on the second attempt

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 2020-02-13
Company: SN SERVICING CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from this Alleged Servicer SN Servicing Corporation in XX/XX/2020 demanding payment for the Amount of {$12000.00}. 
I'm disputing the total amount claiming in its letter Plus the Standing to be a Debt Collector Please see my Dispute Letter and including 4 Attachments in regards.

I would like ask urgently to the CFPB this issue be look by US Regulator because I believe I been victim of MORTGAGE SERVICE FRAUD. 
Please look for reference CFPB inquire # XXXX against the alleged Trustee XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. TransUnion, XXXX  and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information 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