BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-15
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019 I signed up for XXXX XXXX with billing through PayPal. I received an invoice that said that {$17.00} would be billed monthly for the service. Since then, XXXX has overcharged me every month {$19.00} via PayPal 's billing platform. XXXX refused to help in this matter as did PayPal even though I reached out multiple times to both XXXX and PayPal 's customer support. Only after submitting a complaint through CFPB on XX/XX/2019 did PayPal take corrective action. 

Since then, on a monthly basis, XXXX continues to overbill me through PayPal monthly, PayPal processes the wrong amount for the transaction, and I can recover the difference only by filing a complaint through PayPal 's dispute center. As directed in XXXX XXXX  ( PayPal Executive Escalation ) response to my initial CFPB complaint, I reached out to their corporate team via email on XX/XX/XXXX, but received no response. 

On XX/XX/XXXX, XXXX again charged me {$19.00} via PayPal 's billing platform, and PayPal processed this transaction. I disputed this on XX/XX/XXXX, attaching the invoice from XXXX for {$17.00}. On XX/XX/XXXX, PayPal decided in favor of the seller. I appealed this on XX/XX/XXXX, and PayPal denied my appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: DE
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 my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$960.00} XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a call to Navient on Monday XX/XX/2020 at XXXX in regards to my student loan. When I spoke to the representative she looked over my account and we proceeded to do the forbearance. She asked me what day I would like to setup the payment. And no point in time during that conversation that she stayed if the payment was after the eighth that it would be late reporting. On XX/XX/XXXX, I spoke to another customer service representative from Navient. He stated that that particular representative did not give me complete information and should have disclose that my due date was the eighth and that if the payment was after that particular day it would have been reported as late. He also submitted a complaint to the supervisor due to the previous representative failure to disclose complete and accurate information. As a result my payment was reported as late which has stopped me from purchasing a home and jeopardized my background check as a federal employee. 


I also made the payment on the 23rd and was told that it went through third and still received an email stating I had a payment due on XX/XX/XXXX. And at the bottom of the email it states that 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. I would hope that the forbearance will be processed in a timely manner, so that I do not have another late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was the court appointed legal guardian and POA for my husband until his death XX/XX/. Either my brother, our XXXX or the funeral home notified the bank, When I was able to, I contacted the bank to ask the account balance and to close the account. ( checking ) They informed me that there was a negative balance and on XXXX XXXX I transferred {$730.00}. On XXXX XXXX I transferred {$260.00} and on XXXX I transferred {$740.00} to resolve the account and close it. It still has NOT been closed despite my instructions that any future bills for my husband be paid through my account or forwarded to me.

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 2023-11-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the XXXX XXXX XXXX. the account was closed with a XXXX balance and would be removed from my credit report by XXXX Customer Service department. The account is closed but still being reported as delinquent. According XXXX the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.

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 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
After reviewing my credit report I noticed some inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NV
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 my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX  IN ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to XXXX XXXX XXXX car dealership Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XX/XX/2019 with a guarantee of an approval a XXXX  XXXX XXXX. I asked them if I could bring my credit report and let the banks run my credit. They agreed. I told them I needed to stay under a price range of {$20000.00}. The pressured me into test driving a XXXX XXXX. I did asked the price they said under {$20000.00}. when it came to paper work to see if I could get the finance. The price changed from XXXX to XXXX and the sticker price was not on the car I test drove. I was told there was a rebate but was not shown the rebate price but eventually when they wrote out the figures they stated my car cost would be XXXX. I was also told I didn't need a down payment and could use rebate as the down payment. They ran my credit said they had good news and said the bank tried to call my phone number in order to get approved. It confused me and i said how is that good news? Then they pressured me if i could get a co signer and confused me more. I bought my first XXXX from them no problem whatsoever and my crdit score was much lower than it was. Not sure what is going on now I have all these inquiries on my credit and it lowered my score. They lied from the very beginning..Wasted my time and made me late for work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.

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 2020-02-11
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare assumed my mortgage from XXXX in XXXX/ XX/XX/XXXX. I wasn't notified that Loancare assumed they loan. Loancare sent information to my wife 's address. I received information from XXXX that payments should be sent to Loancare. 

Loancare approved a loan modification of payments of {$870.00}. Payments were made to Loancare for this amount for several months. My ex-wife is listed on the loan modification payment. She lives 2 hours away and works second shift. By the time the paperwork was completed, Loancare stopped receiving the payments of {$870.00}. 

I have tried several times to get this issue resolved through Loancare. I have only received a few billings from Loancare in XXXX. I have sent several letters and spoken on the phone several times yet the issue remains unresolved. 

I spoke with XXXX  XXXX  yesterday who they said I owed {$7500.00} ( yes a different mortgage company provided the information that Loancare would not provide ). I sent {$3100.00} on XX/XX/XXXX. I have the balance of {$4300.00} that I can send on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
I am submitting to express my appreciation for your efforts in addressing some of the fraudulent items in my credit file, stemming from an alleged identity theft. However, it has come to my attention that several remaining items persist, demanding your urgent attention and resolution. Upon a thorough review of my records, I have identified numerous files that do not pertain to me yet continue to be reported in my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I would like to bring to your immediate attention the legal requirement for Credit Bureaus to expeditiously remove such items that are proven to be opened due to identity theft. To support my claim, I am attaching the necessary Federal Trade Commission ( FTC ) Report, with reference numbers XXXX, XXXX, and XXXX, and a copy of my bank records. The disputed items, detailed below, are unfamiliar to me and do not align with any transactions I have authorized : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: KY
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-12-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX different occasions I am paying my bill in what I believe is in full. I am then being charged interest. The first time is on XX/XX/XXXX when I paid {$7700.00} but was charged interest of {$83.00}. The next XX/XX/2019 when I paid {$1900.00}. My bill was due on the XXXX. I was charged XXXX in interest. My intent when logging into Citi.com was to pay my bill in full. I then logged in XX/XX/XXXX, to pay the balance only to find another interest charge of {$13.00}. I can't tell what this is for.

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 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information with Equifax has been breached here is the proof and they refuse to delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IN
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 applied for an car I was told they would only pull from XXXX  now I have 16 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I had a American Express card opened in someone elses name and auto payments taken from my personal account. XXXX XXXX  recovered XXXX of the payments and told me that American Express was liable for the remainder of the amount that the person took from my account via ACH payments. American Express stated that they could not tell myself or the police that are running an investigation who the person was andvthat i have to take the lost money as a loss. I would like for them to : 1. Inform thr police of the person on the card 2. Re efund my monies - XXXX that were taken from my account to pay for this card 3. I assumed thr payments were for my card and American Express closed my sccount for lack of payment. This has ruined my credit and i would like my credit cleared from these account going into default. 

If the money was applied from my account to my cards directly i would still have a higher credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief