BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I initiated a dispute with PayPal regarding a {$130.00} transaction from a merchant which was a recurring service which had been cancelled. I purchased a domain name from XXXX ( XXXX ) and never consented nor authorized a charge for web hosting in addition to the domain name. I never received advance notice that I was going to be billed for something in which I did not sign up for. Despite their own terms and conditions requiring XXXX day notice on billing, I received the invoice 1 day before the renewal, via email at XXXX on XX/XX/2022. I cancelled the service shortly after midnight on XX/XX/2022. I was billed by the merchant, for a service that had been cancelled, after never actually signing up or requesting that service, on XX/XX/2022. 

Multiple attempts to contact both PayPal and the merchant XXXX have been unsuccessful. Multiple email requests to both have gone without a response to date. 

I am requesting a full refund of {$130.00} regarding these charges. They were deceptively added to the account, and the company makes it impossible to cancel the charges. Hold times of multiple hours are met when attempting to speak with their " Cancellation '' department over the phone, and emails and live chats go without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.

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 2019-06-21
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: Information belongs to someone else

Complaint:
Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute.

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute. 

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened

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 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PenFed is not responding to my requests since XX/XX/2020. I have called written letters and email but PenFed is failing to abide by our agreement and protection my PII. 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/2020 United States Mail Confirmation Receipt Requested Notice of Error and Request for Information Attn. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX Account / Loan Number XXXX Dear Pentagon Federal Credit Union ( PENFED FCU ), This letter is a follow up to my telephone call to you in regards to my personal identifiable information ( PII ) being disclosed to unauthorized persons by PENFED FCU. I recently informed PENFED that my mortgage loan statement were placed on the internet that you mailed to an incorrect address without my request. Your actions have caused me and my family harm. I request an answer to the following questions. 

Q1. Why did PEDFED change my mailing address and send my mortgage statements to an incorrect address without my request? 
Q2. How long do you maintain copes of my telephone call or transcripts?

Q3. Has PENFED reported any fraudulent activities in regards to my account to any law enforcement agencies? If so, please identify. 

In closing, I am very concerned that you deliberately sent my PII to an incorrect address without due regard for my families security. I request answers to my two questions pursuant to Federal Law. I also request all protections afforded me under the Federal Servicemember Civil Relief Act, Florida Servicemember Protection Act, The Federal Credit Union Act and Gramm-Leach-Bliley Act as they may or may not apply. 

Regards, ///Original Signed/// 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 2021-10-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Phoenix Financial Services, LLC states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively.

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 2022-03-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a Citi XXXX card. I paid the balance down every time I used the card through a SVB business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. 

I reached out to Citi and they said I would also not get the XXXX airline miles in the quantity they promised. 

I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. 

Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. 

Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2022-03-04
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I have been going through so much XXXX due to my home being in foreclosure. I have made several attempts to be approved for a modification and they dont want to provide me with home retention options. This has been going on for three years, and they have not offered me in this time a workout plan, not even a repayment plan. I keep falling further behind, and the debt keeps growing. In the last denial they stated the following " after careful review of your account, we find that there are no home retention loss mitigation options for which you are approved '' they keep offering me to do a short sale or a deed in lieu. Last year I was hoping to get approved for a HAMP modification but that did not happen, they kept saying that the investor keeps denying loss mitigation options based on a business decision. They also keep saying my income is not enough. My gross income is almost {$7000.00} and it has been like this for years, I have a big surplus at the end of the each month, so I am saving money. I have an arm loan with a 7 % rate, and my mortgage payment was almost $ 3k. I fell behind due to loss of job, but I have found a very stable job. It frustrates me because I have enough income coming in to be able to make my mortgage payment, and pay my other expenses. I dont even pay for a car, I finished paying it and I only pay for insurance. I want them to see that I have enough to pay my mortgage, and of course an affordable mortgage payment. Ive spoken with friends that have SPS as  their mortgage company, and two got  modified already and they have a lower income than me, how can this be? Does SPS want me to be earning {$10000.00} a month to get approved? I believe that even if I earned this much they will still deny me. I believe that almost {$7000.00} a month is good income for a high school dropout, and I have been very responsible with my money, even created a budget. I just want a fair opportunity, and for the investor to consider me for home retention options. I recently submitted an application, and I have to submit some missing documents so I dont get a sale date. I would also like for SPS or the investor to provide a more detailed response on why they cant provide home retention options " based on business decision ''. It is not fair that there are so many modification programs out there, and they dont want to approve me for anything. I will provide any necessary documents that they request, I need help I have my children at home and i have invested so much. <P/>Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have reached out to Equifax XXXX XXXX XXXX to request access to my credit report because I have not be able to gain access in over 2 years. I called them and when I gave them information to verify who I am they told me that's not the information they have on file. I have only ever used 2 addresses and only one name, my legal birth name. They refuse to accept any identification I send them to update my file so I can get access to my report and score. I have send letters after letters requesting an investigation be completed and they refuse to do so saying the letters are not valid. I am ready to file a petition against Equifax for withholding my credit file and not allowing me to challenge items on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Discover we XX/XX/19 Discover Financial XX/XX/19 All credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: GA
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:
My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX XXXX XXXX account ending in XXXX according to Experian credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. Experian, XXXX XXXX XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since 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 2020-02-08
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. 
I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX  XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. 
Reaching the PNC Retail Escalation Department and  speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX  XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. 

PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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:
Transunion has several inquiries on my report that were not authorized by me and the result of identity theft/fraud. I reached out to Transunion at least three times over the course of the past few weeks to no avail. 

Typically Transunion always responds and states that I have never reached out to them, bu this is not true. Please see my most recent attached copy of the letter that was sent to Transunion, along with a copy of my police reports of ID theft.

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 2018-10-02
Company: EQUIFAX, 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 was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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