BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am not able to submit a dispute online with Transunion website, as it is giving me issues. Attached to this complaint is my police report showing the unauthorized inquiries on my Transunion credit file. These inquiries are a result of fraud, as I am a victim of identity theft for many years now. The other attachment shows the inquiries that are being disputed.

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 2023-07-28
Company: Wilber and Associates, P.C.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023, I received a notice from Wilber & Associates, P.C. located in XXXXXXXX XXXX  dated XX/XX/2023 stating that a subrogation claim was passed to them from their client, XXXX XXXX XXXX XXXX  The notice states that they contacted my insurance carrier and were informed that I did not have an active insurance policy on the vehicle at the date of the incident. This is false information as my insurance carrier had no record of ever being contacted about the incident. I initially called the law firm 's number to get more details on XX/XX/2023 and spoke with a representative who was unable to provide any additional information. Ultimately, when I stated that I had an active policy and that I was not going to pay any claim within additional information, the representative became hostile and informed me that I was going to go to jail, be taken to court and forced to pay and further that they were going to mark my case as a refusal to pay and then abruptly hung up. 

I subsequently called my insurance company who tried to call the company but had a similar experience, they then reached out to XXXX XXXX XXXX XXXX who informed my insurance company that they had no record of ever attempting to file a claim on the matter or contact anyone. My insurance company established a claim with XXXX XXXX and is working through the normal process to issue payment. They additionally reached out to Wilber & Associates to inform them that the matter is being resolved directly with XXXX XXXX and to not contact me further on the matter. I have since, ( XX/XX/2023 ) received calls from Wilber & Associates demanding payment and stating that they have no records of any such resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello : In XXXX I had my mail stolen from my mailbox. I followed the police instructions, went to my bank ( Chase ) and closed my accounts and opened new ones. 

During that process, I had multiple fraudulent transactions which I had to deny. I also dug into my past transactions by signing up for online banking. I found 3 questionable transactions that I brought up to Chase and the Police. Two were quickly explained a way - a funds transfer to a wrong account that was still owned by me and a fraudulent transaction that Chase had credited me for the next day without notifying me. However, one fraudulent check for {$4100.00} was clearly an issue.

I filled all the paperwork with Chase and the police. In XXXX, my request for refund was denied by Chase because I hadn't notified them within 60 days of the transaction. I petitioned this denial citing that I didn't have on-line banking at the time, had been out of town a fair but and wasn't notified of the previous fraudulent activity that Chase had resolved without notifying me. Today, XX/XX/XXXX, I was told by Chase representative that my petition had been denied and that they would not be reimbursing me for the fraudulent activity. 

The fraudulent check had my banking information on it but was otherwise not my check- it didn't look like my checks at all. And it leveraged an older check # that I had previously used. Neither of those things were caught by Chase. My paper statements didn't show the check or the name of the person it was written to. I didn't know how to go on line and see the check image. I have lots of checks for my business and I missed this. 

I would like some help trying to get my money back. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My account is Account XXXX XXXX with Navient, formerly XXXX XXXX. I have been paying on this loan for more than 10 years. My original borrowed amount was about $35K. Ten years in, my balance now says XXXX. I was in forbearance many years ago, right after I graduated, so I definitely incurred more interest and fees, but does it really seem reasonable that 10 years in I owe almost as much as I borrowed? I have paid over $25K and I know it was due to the forbearance, but I am wondering if there is any way to lower the principle I owe - I haven't missed a payment in over ten years. I am actually in a good place now and can even pay a little more per month, but does it really seem fair I will pay over $55K to borrow XXXX? Seems like loan sharking to me. Please let me know if there is anything I can do. I'm certainly willing to pay my full borrowed amount plus some extra for the forbearance, but this seems a little ridiculous. Thanks for any help. I have all records in my account. The loan company has some sketchy accounting so it looks like they are only charging me for the XXXX  online in my payment records, but you can see over ten years in, there is still a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to XXXX. That after 3 months they still have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Social Finance, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I ( XXXX XXXX ) signed up for a personal loan with SoFi via a referral link from my husband, XXXX XXXX on XX/XX/21. The loan was funded and eventually paid off. However, SoFi has denied the promotional referral bonus of {$300.00} each to both of us. They state that because I had previously referred him for a personal loan and we both received a referral bonus for that loan, that we are disqualified from the additional referral bonus. I reach out to SoFi repeatedly over the past several months and they eventually decided to deny the bonus. They quoted their referral link terms which state : " You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. '' However, that is not the scenario under which I am requesting the referral bonus. Neither of us has taken out multiple loans. He took out one personal loan in the past, and I took out one personal loan, hence those terms which were used to justify denying the referral are not applicable to our situation. Hence, we should both qualify for the {$300.00} bonus ( for me as a referee and him as a referrer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-28
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I am very upset at Portfolio Recovery and the credit bureaus. Not sure why they are not removing the errors on my report after 4 disputes. I dont know a lot about credit repair, I had my attorney review letters I sent and the letters they responded with. He told me that according to the FCRA, they need to tell me how they verified the accounts and according to 15 U.S. Code 1681i they are in violation. We compared balances they sent and what is reporting on my credit file and they're also in violation of FDCPA 15 USC 1692f. I know this has happened to a few friends as well they harass, they call at all hours of the day. At this point I do not care to receive validation of debt as requested before I just want them to cease all communication with me and delete the accounts. If you would like a copy of my report with proof of inaccuracies I can provide that. I have copies of dispute letters and reports for the past 8 months. I will be calling a CFPB representative to discuss what other actions can be taken, if accounts are not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
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:
CHEXSYSTEMS IS REPORTING AN UNPAID BALANCE ON AN ACCOUNT THAT HAS BEEN PAID IN FULL. XXXX XXXX  HAS BEEN PAID IN FULL AS OF XX/XX/2023 AND THEY HAVE SENT CORRESPONDENCE TO CHEXSYSTEMS. CHEXSYSTEMS HASN'T UPDATED THE STATUS OF THE ACCOUNT EVEN AFTER XXXX XXXX  HAS INFORMED THEM OF THE CORRECT STATUS ON XX/XX/2023.

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 2023-06-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in two separate refund transactions : {$25.00} and {$190.00}. 

On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received one refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. 

PayPal 's Dispute ID : XXXX XXXX XXXX contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour, and was ultimately unable to resolve the issue.

Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2021-12-15
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I was taken advantage of by the companies listed due to XXXX  where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.

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 2023-06-08
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my new Citibank business checking account with an offer up to a {$2000.00} cash bonus at Citi branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

The bonus term : To qualify to earn up to a {$2000.00} cash bonus, open a new Citibank business checking account between XX/XX/XXXX, and XX/XX/XXXX. Then, make a qualifying deposit in New to Citibank funds to an eligible account within 30 days of account opening and maintain that balance for 60 consecutive calendars days. The cash bonus will be credited to your Citibank business checking account within 90 days from the end of the month in which you completed all offer requirements. 

My new Citibank business checking account was opened on XX/XX/XXXX and new to Citibank funds {$100000.00} more were posted on XX/XX/XXXX and XX/XX/XXXX. So, my new funds in Citibank within 30 days of my account opening. 

{$100000.00} more funds were available on XX/XX/XXXX and need to maintain to XX/XX/XXXX for for 60 consecutive calendars days. I maintained my fund until XX/XX/XXXX which was more than 60 days. 

I should receive my cash bonus {$1500.00} by XX/XX/XXXX but I did not. So, I contacted local branch and the manager told I need submit W-9 form then I sent my W-9 form to the banker who opened my Citibank business checking account . My W-9 form was submitted on XX/XX/XXXX. 

As of today XX/XX/XXXX I still not receive my {$1500.00} bonus since my Citibank new business checking account opened 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 monetary relief
Consumer complaint received 2019-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer in the mail for a capital one credit offer of 0 % interest for 18 months and {$150.00} after spending {$1000.00}. I filled out the application and was denied this based on one credit score which was lower then my other two. Additionally I was offered a different credit card however. Therefore the company in my belief is baiting and switching me. They are not denying me credit but finding a way to not give the bonus offer solely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I initiated a transaction totalling {$700.00} and {$140.00} respectively. Both transactions were declined by the system, however the funds were preauthorized and held from my available funds. 

Card company acknowledged the error on their side however states that it will take 7-10 days to resolve the issue. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Huntington National Bank, XXXX XXXX XXXX - XXXX on XX/XX/XXXX addressed to my husband XXXX XXXX XXXX and me, XXXX XXXX XXXX, stating that my husband, who passed away on XX/XX/XXXX that he asked for documentation on our Mortgage Loan, signed by Consumer Loan Servicing. was told that they didn't know, that my husband had passed away, although I presented his death certificate at a branch, advising them of his passing. 

They also included a Tax Form, stating the outstanding balance of {$25000.00} with recipient XXXX XXXX and my husband 's SS # XXXX.This loan was paid in full with {$21000.00} on XX/XX/XXXX. 

I called its Mortgage Department several times at XXXX on XX/XX/XXXX at XXXX XXXX, talking to several Representatives including Supervisors within 30 or more minutes without any resolution. I also asked to be connected to a Manager, and I was told, no Manager was available, and one would call me back today. 

Due to their dishonest behavior, I an unable to file my Taxes for XXXX when I received their notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion is reporting a bankruptcy on y credit report. I have attached a letter from the United States Bankruptcy XXXX, XXXX XXXX XXXX Missouri XXXX XXXX. This letter states that, they do not report bankruptcy to no one or no agency. I am attaching a copy of the letter to this dispute. Since the court is not report this, and I am not reporting it. I request that this please be deleted from my credit file. I this can and is impacting my credit 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation