BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
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:
credit reporting agency ignoring delete fraudulent accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 around XXXX, I received a text alert from XXXX that a transaction on a card that was in my possession ( never stolen or missing and rarely even used ) for {$3100.00} was PENDING from Wells Fargo in XXXX XXXX FL XXXX I immediately called my bank to block the card ending in XXXX and told them that I did not authorize this. I am a XXXX veteran and this took 99 % of my XXXX check. I asked them to stop this pending transaction and was told by the CS that I had to wait until it posted to do a dispute. The next day, the transaction ( {$3100.00} and {$3.00} over the counter fee from Wells Fargo ) posted to my account with the following memos : Signature purchase from XXXX WELLS FARGO C/A # XXXX XXXX FL XXXX XXXX Card ending in XXXX Debit : OTC Withdrawal Fee Posted on XX/XX/2020 at XXXX I immediately filed the dispute with my bank and called Wells Fargo Fraud number on XX/XX/XXXX. The CS at Wells Fargo told me that because I was not their banks customer to contact me own bank for this dispute. And that was that with Wells Fargo. They took my money and now Im suffering undue hardship. The claim ( # XXXX XXXX for this fraudulent transaction at a Wells Fargo in XXXX on XX/XX/XXXX has left me devastated. I was told the investigation with Wells Fargo could take up to 10 days XXXX XX/XX/XXXX. ) I am a XXXX veteran that suffered from XXXX  XXXX and XXXX XXXX XXXX and the fact that all but {$120.00} from my entire VA direct deposit for my XXXX check is gone has been completely devastated! I am unable to pay any of my expenses to include Rent, car payment, car insurance, etc. I have incurred late fees, non sufficient fund fees from my bill collectors as a result of this fraudulent transaction. I believe this is an inside job with an employee of XXXX and an employee of Wells Fargo.I also believe I aint the only one that got ROBBED from this type of fraud by these two businesses.

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 2021-04-02
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. PayPal customer support wont even try to figure out the reason why they closed my account. I've been with paypal since 2008 with no problems at all until now. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX XXXX noticed for fraudulent closed accounts appearing on my credit report these accounts are hurting my credit report I have attached an FTC report and other supporting documents.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained Educator with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2020-12-10
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:
XXXX XXXX XXXX XXXX is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to Experian to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

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 2020-06-02
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use XXXX for investing and saving for the future. I essentially use it as my savings account. I have had my PNC account linked with XXXX  for almost two years now. This has happened twice before, where PNC has not allowed me to link my account up with XXXX. I have called numerous times, and they give me some reason why it can not be done, and eventually goes back to normal a few days later? Well it has happened again, and I am not sure for what reason. I've heard the entire fraudulent activity script but come on now. I have been making money transfers to XXXX  for two years now. I am growing angry with having to repeat this process of being able to relink my account every year for an investment service I have used seamlessly and has not given me any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Receivables Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: SYNCHRONY FINANCIAL
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:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : SYNCH-XXXX**** This is not mine.

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 2018-07-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am complaining for the second time about the same issue : the Chase XXXX XXXX ( being marketing as a premier travel card ). Again, I discovered no auto payment was taken out. Again, I directly called customer service and was told I was OK - no payment due because my credits exceeded my purchases for the month. But this was precisely what caused Chase to threaten cancellation of my card prior. This time -aware of this issue I inquired directly again to customer support " Do I owe anything ''. The response a full 5 minutes later - after manual calculations on their end - was that nothing was owed. Again, looking online at my account, it is impossible to ascertain exactly the timing of credits and purchases to see if my credits are over my purchases for a particular time period. So Chase 's prior suggestions saying that a consumer should do that - is impossible as the online system does not provide the cycle timing to be able to compute this. In short, the consumer MUST rely on Customer service to tell them if a payment is due when the AutoPay has not gone through. Given that the purpose of utilizing AutoPay is to cover all payments due - Chase is putting consumers in an untenable position. It's not possible to tell exactly what is due because of the way they provide information online and their Customer Service people are responding with 'nothing is due. '' Secondly, again, as the card is being marketing as a premier travel card - sending notification via paper of card in errors - is disingenuous. They can do this of course, but if the consumer has elected email notifications - precisely because they travel - then the company is best advised to provide notifications in duplicate or triplicate or however they wish but certainly in the manner the frequent traveler has requested. Bottomline - Chase appears to be " tricking '' the customer into non-payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Experian Information Solutions 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:
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX Bank ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. XXXX, Experian both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX Bank does not do student loans. I explained this to XXXX and Experian but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2022-06-19
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Just prior to the pandemic, Netcredit created a loan for me in the amount of {$4000.00} at XXXX percent interest which is illegal in the state of Florida for them to do so. The company has been sued for several issues, and they have damaged my credit report for years because I refuse to pay a percentage which is not legal for them to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern Fifth Third Bank is reporting a 30-day late payment on my credit report for the month XX/XX/XXXX. This is an erroneous error. 

I made two payments for the mortgage payment for the month of XXXX, A payment for {$2400.00} posted on XX/XX/XXXX and a payment of {$1000.00} was posted on XX/XX/XXXX. Totaling the full amount due for the month of XXXX of {$3400.00}. So at no point were the payments a full 30 days past due. 

I tried to resolve this several times with Fifth Third Bank but I was not successful in getting them to properly investigate it. 

I am currently applying for a mortgage and the late mark is affecting my credit score and approval Please find my bank records, Mortgage Statements, and credit report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for AMEX or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used it and my signature from the one on the application was different. They also showed me an itemized bill There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for AMEX. I have never applied nor used their CC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: ORG GC GP Buyer, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Yes i got a sony card. Yes it was only XXXX. Then guess miss some payments. And return payments from family members.Then rack it it to owning them XXXX. They didnt reduce this or let me set up payments. To fix this issue and card open. Yet they were rude and not helpful. I loved that card and now it is gone due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
My social security number was compromised, resulting in the unauthorized opening of a bank account with Chime banking in my name. Additionally, my XXXX debit card was used to make an online purchase without my authorization, prompting the fraud department to intervene and issue a new card. As of now, I am uncertain of any further activities conducted using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Regional Management Corporation
State: NC
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:
Regional Finance is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XXXX of XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my XXXX and XXXX  and it's now showing 90 days late with XXXX and XXXX  days late with XXXX. on XXXX it's showing late for XXXX, XXXX, and XXXX, on exeperian it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to XXXX on XX/XX/XXXX with false information and XX/XX/XXXX with false information on XXXX and XXXX this is preventing me from getting credit and ive already reported them to the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit score and noticed it had a derogatory remark from XX/XX/XXXX  in the amount of {$17000.00} from Rent Recovery Solutions XXXX XXXX XXXX XXXX. I discovered it on XX/XX/XXXX  and notified all 3 credit bureaus that this was identity theft and I did not have any outstanding rents, nor did I take out any type of lease or rent any property. I have owned my own home in XXXX, AL for 8 years and someone has clearly stolen my identity.

Company response to consumer: Closed with explanation