BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I discovered that my PayPal account had been charged for a cloud camera subscription I never signed up for. I had used the service under a one time charge in the past and there was no disclosure from the company that this was an annual subscription. 

PayPal gave access to the subscription signup to the company without my knowledge or consent. I filed a claim with PayPal and they denied it saying it was an authorized charge. The company actually agreed to refund money but never did. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes to Transunion for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report there are 7 accounts with XXXX XXXX that should be only have reported status of closed paid in consolidation and any other remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong please do n't dispute. Also there are 8 accounts from the XXXX XXXX XXXX reporting as included in bankruptcy which should only be reported as closed and paid with no negative reporting. Student loans are not included in Bankruptcy I have contacted XXXX & the XXXX XXXX XXXX and they have continued to state they have n't been contacted by Transunion to verify the information.

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 2018-10-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX - Booked an itinerary # XXXX with XXXX. The full itinerary was canceled but XXXX failed to refund the full amount and only refunded {$260.00} for 2 excursions but failed to refund the hotel portion of {$1300.00}. 

I disputed the XXXX amount with Citi and the investigator required that I provide proof that I actually canceled the itinerary. I sent Citi a copy of an email from XXXX with the heading " Requested Email : Hotel Cancel - Itin : XXXX - Case ID : [ XXXX : XXXX ] '' the body of the email contained the following message ; " Dear XXXX, We are still in the process of contacting XXXX XXXX for your cancellation request, please expect an email update from us within the next 24 hours. Thank you for choosing XXXX. XXXX XXXX Customer Service Team. 

The message is straightforward and obvious. XXXX is in the process of contacting the hotel to cancel my reservation. However, Citi 's investigator sees it different. and in the letter it states " We did not receive a valid cancellation proof in your recent response. '' The email is from XXXX, the itinerary is the same, the message is clear that XXXX was supposed to cancel the hotel reservation in the amount of {$1300.00}. The Citi investigator 's determination is illogical and in contravention to the evidence presented. 

More importantly, XXXX never delivered the goods purchased for {$1300.00} and now Citi is requiring payment for something I never received, which is a violation of the Fair Credit Billing Act 15 USC 1666 ( a ) ( B ) ( ii ).

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 2015-09-11
Company: Clear Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have XXXX insurance. I have XXXX. did not pay the bill until a questionnaire was answered. Instead of waiting for questionnaire to be answered. Turned the bill over t a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collection services of Nevada XXXX XXXX XXXX  too. Has conspired to fraudulently charge me with these collections that are not do. They have used the processing system that is established by the government to eat legally charge me with these charges and they have no evidence no documents to prove that their statements are correct I have evidence that shows that they have not been responding correctly and evidence also is appropriate to show that they had been fraudulently trying to collect money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made an online purchase in XXXX for some shirts size xxl. I used XXXX thru Bank of America credit card. The amount was {$68.00}. The shirts came and were way too small. They dont even look to be large. Immediately I tried to contact the merchant. After 3 attempts I called my credit card company. Theyd said to dispute the charge. I agreed as there is NO way to return these products. No return label no answer on the phone. No answer on the email nor messenger. On XX/XX/XXXX I get a letter from Bank of America credit services saying the claim is denied. They want proof that the merchandise was returned .... so I called them right away. I said to them think how silly this sounds. The reason Im disputing the charge is because of an absent merchant non responsive merchant how can I remedy an issue when no one will contact me? They agreed and said they would appeal the decision. Today I received a letter dated XX/XX/XXXX saying they looked into my case again and decision stands. They want proof of return ... ... now I called them this afternoon I spoke to XXXX in Texas XXXX in Texas and XXXX  in Texas. XXXX  manager and they all say there is nothing they can do without proof of return???? How can I get proof of return when the merchant will not respond to me. So I have these napkins they call shirts and cant fight this? Im expected to pay for this garbage? Im so confused and I dont know what to do or who to call. This is truely crazy. I asked them if they have spoke to the merchant XXXX  said yes. But she probally means she spoke with XXXX. Boy the actual merchant. This whole situation is bizarre and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, XXXX data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the 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 2018-10-01
Company: EQUIFAX, 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:
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX  regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY EQUIFAX is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.

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 2021-06-08
Company: AFNI 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 status incorrect

Complaint:
In XXXX of XXXX Afni INC XXXX XXXX  XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. 
I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. 
Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!!

The reported incorrect info to the credit bureaus about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.

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 2018-10-01
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is XXXX XXXX is also listed on my credit report and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts have my signature however the signature/date for the sales consultant is different on each contract. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX   as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, XXXX XXXX only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract. 

Lastly, I went to my state 's Office of Financial Regulation page to verify the license of XXXX XXXX XXXX and to verify if they are licensed to collect in my state. My state 's page show 's NO RESULTS FOUND for this company. This means they are either not properly licensed to do business as a collection agency or operating under a different name, which both are illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Social Finance, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. 
On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. 
I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. 
I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. 
I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. 
But the application was declined again, citing inability to verify employment. 
At no time an attempt was made to reach out to me or my employer verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was notified by my credit monitoring company that a collection amount of {$2900.00} had posted to my credit from Sunrise Services Collection company on behalf of XXXX XXXX XXXX XXXX. Upon investigation, I learned that an XXXX XXXX XXXX XXXX affiliate had opened a cell phone account with equipment using my stolen Social Security number. During the new account set up process, the XXXX XXXX XXXX XXXX affiliate did not take a copy of the suspect 's identification nor did the affiliate run a credit check. Had the XXXX XXXX XXXX XXXX affiliate run a credit check using my stolen SSN, the new account would have been denied because I have had " locks '' placed on all of the credit companies for the past several years. 
XXXX XXXX XXXX XXXX has admitted that this account was set up fraudulently but in the meantime, my very high credit scores have plummeted, I have had to spend 20+ hours to date working to fix my credit reports, have had to file a police report and report with the FTC and am concerned about how long it will take to remove this fraudulent information from my credit. 
The fact that XXXX XXXX XXXX XXXX allows its affiliates to engage in these unethical practices involving opening new accounts is astounding and I believe needs to be investigated. I was completely unaware that this fraudulent account was opened two years until this week, when I was informed that XXXX XXXX XXXX had authorized Sunrise Services to place a collection notice on my credit. The suspect used my SSN but used a fake address ( not my address but in fact a business address ) and since I am a customer of XXXX XXXX XXXX, with a land line that I have had for XXXX years and have always paid on time, the account should have been checked against any existing accounts. I was never notified in the past two years ( the account was opened in XX/XX/XXXX ) that the account was in arrears because the suspect did not provide the affiliate with my correct address, phone and email. So after two years of an unpaid balance, my credit was compromised by a collection amount for an account that I did not know existed. If XXXX XXXX XXXX XXXX is not taking the necessary steps to check identify in an attempt to simply generate more revenue, their practices should be investigated.

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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint- TransUnion XXXX XXXX and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( 2017 and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from TransUnion, Experian or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX TransUnion TeXXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - $ XXXX TransUnion XXXX XXXX XXXX XXXX $ XXXX TransUnion 3 . XXXX XXXXXXXX XXXX - $ XXXX ExXXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian Ad XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!

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