BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 2021-04-27
Company: AES/PHEAA
State: CO
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/2021 and XX/XX/2021 I had sent letters to XXXX, XXXX and XXXX, Regarding " Fedloans '' and US Department of Education. '' in my letter I explained to them that base on the FCRA AND FACTA guidelines, they are in violation of my rights to " accurrate and fair reporting. '' They are showing duplicate accounts that have derogatory reporting. I have asked them twice to correct/remove this inaccuracy, they have yet to do so as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Multiple occasions I made payments once on the XXXX of XX/XX/2019 for XXXX dollars and another payment in XX/XX/2019 for my payment in XXXX. Commenity bank charged me late fees yet again and refused to resolve the issue while racking on more fees. I advised I would make payment once they corrected the additional fees that were added incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Recently I received notice that my appeal of an unauthorized {$44.00} ACH from XXXX XX/XX/XXXX was denied by the Bank of America. XXXX sent Bank of America erroneous screenshots of cancelled agreements of an authorization to debit my checking account. That agreement was cancelled prior to XXXX issuing a {$44.00} ACH system generated charge to my Bank of America checking account in the month of XX/XX/XXXX. This was theft by deception in my opinion by XXXX. I have spoken to XXXX several times over the phone to remove my checking account information and cancel authorizations to my checking account due to holding my bank account information Hostage to prevent card holders from removing their banking information from the online portal.

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 2023-04-12
Company: Paypal Holdings, Inc
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 : I purchased a monthly subscription on XXXX for {$8.00}. On XX/XX/2023 both my debit and XXXX credit cards were charged {$1200.00} on XXXX through Paypal. The charge on my debit card was stopped by the bank but the charge on my XXXX card was processed. 

I immediately closed the corresponding XXXX  account. I contacted Paypal to cancel the subscription and open a dispute. On XX/XX/2023 Paypal sent me an email stating that case ( ID # XXXX ) was denied because the purchase is not covered under the terms of Paypal Purchase Protection. 

XX/XX/2023 : I contacted XXXX by email, I couldn't fine a phone help line for them. I included the invoice ( # XXXX ) I received for {$1200.00} and explained that this was a fraudulent purchase. I contacted XXXX and reported the fraudulent charge. 

XX/XX/2023 : XXXX applied a temporary credit to my account and started their investigation. They explained that it may take approximately 30 days to resolve. 

XX/XX/2023 : XXXX notified me that an unauthorized party may have accessed my account and that they have assigned me a temporary password. An order ( # XXXX ) for {$200.00} to be sent to an unknown address was attempted. I reset my login credentials and removed all saved payment information from the site. 

XX/XX/2023 : XXXX ( XXXX ) replied stating that all sales for digital content are final and non-refundable. I reiterated that I did not make this purchase and it was a fraudulent charge. They replied by stating that they couldn't find any evidence that these transactions were unauthorized or that my account was compromised. 

The monthly XXXX  subscription for {$8.00} that I purchased on XX/XX/2023 looks to have been the catalyst for the entire series of events that have since transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Avant Credit Corporation
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My compliant against this company is lying after lying. I apply for a loan back in XXXX, and they made a mistake by sending to a wrong person and the loan was return back to them, and they promised me they would return the money to me, and they didn't, and now they are charging me a fee that they took and want me to pay that back when I don't get any money from the crazy people. after calling I gave up and now they are messing with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: WI
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 have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

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 2018-01-09
Company: GREAT LAKES
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor Your company have violated

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL 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 2021-05-10
Company: Santander Consumer USA 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 information incorrect

Complaint:
Santander XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact Santander foe this matter and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-01-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover is sending me aXXXX for debt that is over XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Enhanced Recovery Company number and waited for 45 minutes then I was transferred to a recording. I paid XXXX in their store in XXXX several years ago. I this collection agency called again to obtain the account number so that I can write a XXXX letter and I got the runaround being transferred. My complaint is this company maybe trying to collect for a debt i paid several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received an email from something called XXXX. I have some accts with Synchrony Bank so didn't think twice about opening it. It asked " Did you forget something? '' Then said I had missed a payment. It gave an acct # ending in XXXX ( which I found out was opened XXXX XXXX, XXXX ). & giving one acct number When I went into the " Pay Now '' button to see who this was claiming we were past due it went to Rooms To Go which had had the acct # ending in XXXX whom we haven't owed for about 22 months due to a 'charge-off ' that long ago. It said I owed {$430.00} which is approximately what I owe on another account having nothing at all to do with any of this! Payments on that account is {$35.00} per month which is what this email claimed I had missed paying but now owed {$63.00} due XX/XX/XXXX & said I could pay as a guest. I knew then this had to be bogus. I called the phone # provided XXXX & got a guy with such a thick accent I barely could understand him but he said this was an attempt to collect a debt & the number I would have to call would be XXXX. The lady did not have as thick an accent & " seemed '' business-like & took information saying she was going to contact all 3 credit bureaus & alert them of possible ID Theft & to flag any further credit applications to Synchrony Bank . However she assured me this would not affect the accounts I already have with Synchrony Bank. I've looked up the phone number of Synchrony Bank & it does not match either one of these. So, what is one to do? I knew I was not behind on anything! All our bills are paid! We have a perfect record of paying our bills 100 % on time. We do not need this black mark on our name/credit! I checked out XXXXsyncb. For goodness sakes! We would NEVER apply for a credit card or credit period to buy diamonds or cars or other luxury items! I did try to file a complaint with one of the 3 credit bureaus but not sure it went through. It's much harder than it used to be to do so & much more confusing. 
Thank You 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I received a text message about fraud on my Macy 's Amex I let them know that it was not me that was making charges in several states. They closed the account and opened an investigation. They did send me another card but subsequently closed that account too. Which i just found out today, XX/XX/2023 because I noticed that my account was no longer being reported on my credit report. I was told that it is still an open investigation. I'm being punished for fraud that is not my fault.

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 2022-01-23
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ONEMAIN FINANCIAL AND XXXX ACCESSED MY CREDIT WITHOUT MY PERMISSION TO SELL ME FINANCIAL INSTRUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Beginning of this month my Walmart account was sold to Capital one The payment is due XXXX of every month. I always log on to see what amount is due so I can be sure I am paying the correct amount. 
I tried to XXXX XXXX and could not get log in! Capital on was no prepared for the transition. 

So I just paid what I did for last month. I was instructed to go to URL WALMART.CAPITALONE.COM. I tried this a got a series of pages and still could NOT get to my account. So I called them and NO help. 

I need online access so I can view my account and statements and make payments This is important in order to keep my account up-to-date To date I have not received a statement nor receipt for my last payment on XX/XX/19 of {$130.00}. 

Everyone in customer service is very difficult to communicate with the just DON'T UNDERSTAND I just basically want access to my account. I am being treated as though it is NOT MY ACCOUNT. 
I know Capital One has had problems with CYBER ATTACKS but DON'T BLOCK ME FROM MY OWN ACCOUNT. I am attaching a copy of the screen I get and can't get online to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: GOLDMAN SACHS BANK USA
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:
In accordance with the Fair Credit Reporting act XXXX GS BANK USA XXXX XXXX XXXX XXXX XXXX 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 a account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I may be entitled to be eligible to receive a Settlement from Wells Fargo due to a Following Reasons : I was the recipient of a subprime loan with XXXX XXXXXXXX in XXXX just before the demise of XXXX. This loan is adjustable and the interest rate changes every month. 
I have been paying monthly on this loan to XXXX XXXX as the Mortgage Servicer since XXXX XXXXXXXX Failed in XXXX until XXXX, XXXX. XXXX XXXX XXXX went to court in XXXX supposedly to prove they was the Owner of my mortgage although there was no Assignment of Mortgage to XXXX XXXX from XXXX XXXXXXXX or Deed of Trust recorded in the County Land Office to prove ownership.. 
In XX/XX/XXXX, XXXX years later, a Reacted Deed was recorded in the county land office by XXXX XXXX. There was no Assignment of Mortgage to XXXX XXXX XXXX recorded until XX/XX/XXXX. These Recording were the result of a court case on XX/XX/XXXX where the Judge allowed XXXX XXXX to make up all the paper work needed to prove it was the owner and to record it in the County Land Office. 
In XXXX, XXXX, I was notified by XXXX XXXX that my mortgage would be assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following month. 
Upon Inquiry to XXXX asking who was the Noteholder 's identity ( Owner ) of my Mortgage since I always understood that XXXX XXXX XXXX and XXXX were both Mortgage Servicer. 
I received a letter from XXXX stating that Wells Fargo Bank, N. A. as Trustee for XXXX XXXX Pass-Through Certificates, Series XXXX is the owner of the account and XXXX is the Mortgage Servicer and was responsible for enforcing the Deed of Trust and Adjustable Rate Note on behalf of the Noteholder. ( see upload of copy ) Looking back From the time I was notified around XXXX that I would be sending my payments to XXXX XXXX XXXX until XX/XX/XXXX, I was not allowed to refinance this subprime mortgage that has an adjustable rate that change monthly. For the past 17 years although I had made payments on time and was never late, I had tried to modify this loan or refinance and called many times to inquire and was basically passed around and around until I usually heard a dial tone but no answers. I believe this was due to the fact that XXXX XXXX knew that a Refinance would be a problem because they were not the Owner since they knew none of the paper work was in place at the County Land Office doing those nearly 20 years they serviced my mortgage. 

Now that I have this letter stating that Wells Fargo is the owner, I would like to look into the Settlement that I might be eligible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The subject of this complaint is PNC Bank. During the second week of XX/XX/2018, I transferred {$300.00} or so from " XXXX XXXX '' to " PNC Bank '' and received an email about four days later saying that the money had been received in my PNC account and would show up within three business days. To date, I have contacted PNC via online chat a week after I didn't receive the funds, then called four times, reached out by email and phone to an executive client relations person at PNC two weeks ago. I still see no funds in my PNC account. It's been almost a month now, with no sign of the funds showing up in my PNC account -- even though PNC confirmed that they've been received, and they were taken out of my XXXX  account just fine! 

I am contacting you so that PNC checks its own records and properly reflects this {$300.00} received transaction in my account. Right now it is essentially stolen by PNC or XXXX -- I don't know. The documents I have attached clearly tell the whole story.

Company response to consumer: Closed with explanation