BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: LA
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 a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX | XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I placed a call to Freedom Mortgage 2 weeks ago in regards to my escrow analysis. Freedom has incorrect tax line amounts ( XXXX County ) they are projecting for XXXX which caused my payment to increase {$400.00} per month. I provided them a copy of my tax bill as requested showing my XXXX taxes were XXXX per installment not XXXX per installment. They confirmed they would update the tax lines and process an updated escrow analysis effective XX/XX/XXXX in 7 days. Well, today was day 14 and I called them only to find out nothing was fixed or even submitted. The rep told me she would submit the request and it would take another 7 days to have it fix! And then they would request another analysis to adjust the payment. Freedom is collecting extra money that is not needed if they just simply update the tax lines with the correct information. I expect them to update the lines and fix my payment amount due XX/XX/XXXX. Worse customer service I have ever received.

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 2019-02-02
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/XXXX I tried to open a checking account with pentagon federal credit union. I was declined even though I currently have a saving account with PENFED. The Rep could not tell me why until I insisted and she researched and claimed I owe money and wasn't sure on why. She had to email someone and will call me back. Of course she didn't. So on XX/XX/XXXX I contacted PENFED AGAIN. With further digging, the rep informed me that I owe {$120.00} for my account that was dormant since XXXX. And was informed that my account was seized and didn't know on why. I was never informed in writing or by telephone that I owe any money for a dormant account. 

my complaints for their violations : - The equal credit opportunity act violation - illegal seizure of my money without prior notification - discriminate me as a XXXX minority veteran to open an account - Pulled my credit and informed me that they didn't know whey I can not open - FCRA violation -FTC Violation -ACLU Violation

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 2021-02-12
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
OnXX/XX/2021I was notified by PayPal that they we no longer offering services to me as I had violated one of their regulations. I had no idea I was in any violation, they accepted payments for goods I sold, made me ship and wait on confirmation of delivery, wait an additional 24 hours, then found another excuse to hold my funds. They have permanently suspended my account. There is over {$640.00} in the account that they are not releasing. Their exact words were to do what I have to do to collect my funds. I have no access to the funds, the product has all been shipped out and received and now I have no funds for the product. I am reaching out to you guys to aid in coming to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX i sent a certified letter to NCC Business Services requested that they validate an account that they put on my credit to the credit bureaus. The letter was delivered and NCC have yet to respond. Per the fair credit ACT they have 30 days to respond or remove the account if they can't validate. This is very damaging to my reputation as a business woman and has hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed seven accounts which were opened which are not mine on all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: NY
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/XXXX  XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right?

I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Thanks.

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 2018-02-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
About 3 Or 4 mouths ago when I review me statement I fount transaction I did not made them I filed a claim and chase bank remove that transaction I found It again in my statement On XX/XX/2018 amount is XXXX it is for XXXX XXXX I contact XXXX XXXX company and asked them if I bought anything from the company or I have to pay anything to the company and they replayed that I did not made any transaction or bought anything from the company. ( please see the attachment ) I also contact chase bank about same transaction and the answered that the order is shipped to my address and it was under my name. 

I did not made this transaction and I did not receive anything The company which ( sold ) me said that they never sold any thing under my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with Transunion, XXXX  & XXXX to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it 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
Consumer complaint received 2018-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 at XXXX I was paying for a purchase at Kohl 's department store in XXXX  , AZ . I handed the cashier a Friends & Family coupon for 20 % off and she immediately began asking me for personal information ( address, DOB, SSN ). I asked her if all of that information was really necessary for the coupon and she said " Yes ''.

Then she told me that I was denied. I asked her if that meant I couldn't use the coupon, and she said that I was denied for a charge card, but could still use my coupon. When I told her I didn't want a charge card and did not give her permission to pull my credit, she just handed me my receipt and went on to the next person. 
When I got home, I called the store and spoke to a manager who apologized and gave me the phone number to the credit department to have the inquiry removed from my credit report. I called the number XXXX and they were unable to help me since an account was not established. They referred me back to the store to dispute the credit inquiry - the store referred me back to the credit department. This is a violation of both UDAAP and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are XXXX XXXX XXXX XXXX. Bridgecrest is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called bank of America to let them know their was unauthorized Charges on my account. Due To me losing my debit card. On that date they open my Claims For {$1000.00} and {$550.00}. I was told that I'm not responsible For any fraudulent or unauthorized charges according to the Zero liability policy. BANK OF America said I would have to wait 10 business days. On XX/XX/XXXX I was Credit the money back until my account. XX/XX/XXXX I goes into online bank to find that they put a $ -XXXX hold on my account. I had to wait until Monday to call because they weren't opened when I called due to the holidays. Not only did they tell me they was closing all my accounts but that they didn't have to tell me why. After being with them for about 3 plus years. It has been about 2 to 3  months of them telling me my accounts was being closed and that they mailed my check out. They have told me on two occassions that I could go pick it up from the bank but when I went to the bank it was a totally different story. I would call every couple of days to see if my accounts was closed and if the check was mailed out from them and they would keep telling me the same thing or giving me another date. So now I'm just out of {$1500.00}. I've been lied to and manipulated for 2 to 3 months just for them to tell me that my claim has been denied. They are telling me that I'm a liable and that they believe that the transaction was authorized. What am I to do from here?

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 monetary relief
Consumer complaint received 2018-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is trying to collect on 3 XXXX XXXX accounts, that do not belong to me. I have disputed the allegations. Portfolio Recovery Associates has been harassing me about 3 alleged XXXX XXXX accounts, that they claim belong to me. I have no knowledge of these accounts and have disputed the allegations with PRA and the 3 major credit bureau 's. XXXX XXXX is not listing these 3 accounts on my credit report. And if they were mine, negative information would stay on my credit for 7 years. Secondly, XXXX XXXX has a policy where a consumer can only have 2 directly issued cards with them. So it is impossible to have 3. I have provided proof of this statement directly to PRA. In PRA 's letter to me, they promise to provide a " chain of title '' if requested. I have requested this multiple times, and they have not provided it. This is a violation of the FDCPA for a misrepresentation and false statement. The Illinois collection Agency Act requires PRA to provide a signed contract of the agreement, the assignment, and the consideration for the assignment. PRA has willfully not provided these items to me after I have submitted multiple letters requesting this information. They did provide me a generic BILL of Sale which makes no reference to me or the alleged accounts. Which violates a consent order that the Consumer Financial Protection Bureau ordered against PRA. Enacted in 2015, file No. XXXX. The Illinois law also requires PRA to be a licensed debt collector whether they are collecting directly or indirectly. And PRA is not licensed in the state of Illinois but is threatening to sue me and get a judgement against me. I believe these accounts may be a result of identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. PRA is the only one with knowledge of these accounts. And they have not provided me with proof they own these accounts, that these accounts belong to me, and that I have a contract with them or with XXXX XXXX. PRA has used multiple false and misleading representations to me, has threatened to take legal action that can not legally be taken, they never investigated my original dispute within the 30 day time frame, and they are reporting false information to the Credit Reporting Agencies without verifying and they should have known this info was inaccurate. They claim they investigated my claim, but if they would have called XXXX XXXX to verify a consumer can't have over 2 directly issued accounts, they would realize I was correct. I faxed in documents of my claims to the CFPB yesterday. The fax contained the generic Bill of Sale documents. I am contacting you again because I didn't include my email address yesterday in the fax. I apologize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: AMERICAN HONDA FINANCE CORP
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have had multiple car loans/Leases with American Honda Finance. I now have have 3 unpaid charge offs on my credit report from 3 different cars purchased new from XXXX XXXX in XXXX Rhode Island. The unpaid charge-offs are for {$850.00}, {$540.00} and for {$270.00}. The dealership told us these outstanding balances should have been taken care of and closed out at the time of trading the 3 different vehicles in to purchase a new vehicle. The 3 amounts listed above have been reported inaccurately and the trade-ins were not handled accurately by Honda Finance. I have an excellent payment history with American Honda Finance. I want these charge-offs removed from my credit report. I have already submitted disputes with experian to have these removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello my name is XXXX, PayPal has recently closed my account FOR NO REASON that's holding {$730.00} in my balance for 180 days. I have reached out to them through customer service twice and have been rejected both times for help. I am not sure if this is some mistake as I assume it has to be. I feel as though this is strongly wrong and they are holding a large amount of my money which is effecting me greatly. If anyone see this please help me out!!! My Email Linked To My PAYPAL Account is XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CITI Credit card offered me a promotional credit card to transfer balances. I applied and was issued the card. CITI has continued to charge me for returned check fees and other fees when they had the incorrect information on file. I called them at least 6 times, and the last person I spoke to was a horrible person, rude and not the least bit interested in resolving this issue. I have tried to contact them and as I explained, they don't care, and they don't have customer service reps that care. All I want to do is cancel the card, pay the balance minus any promotional fees they charged me for the transfers and returned check fees which there were not any. 

I don ; 't want this to affect my crfedit score, which has been excellent for many years, and I hope that CITY pays more attention to their customers. I have had other credit cards for manby years and have never dealt with a company so bad as CITI

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