BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: PNC Bank N.A.
State: PA
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 Everyone, I am an international student at XXXX XXXX, XXXX. I want to bring up an incident that happened to me last month. On XXXX XX/XX/2022, a fraudulent money withdrawal transaction was done from my PNC Bank Account. The cash withdrawal slip made the withdrawal. At that time, I wasn't in XXXX ; I was in XXXX, Minnesota. There are no PNC Banks in Minnesota. The debit card was with me all the time when I was there. The day before the fraud, {$900.00} was deposited into my bank account. 

When I got the notification of the withdrawal, I immediately called customer support ; The representative told me that the signature on the withdrawal slip didn't match the signature associated with the account. And she also said that there is a policy in PNC that before taking out withdrawal, at least two ID verification proof is needed. The customer support asked me to wait for at least 1.5 months to 3 months. 

After returning to XXXX, I visited the bank for help ; the manager said that she couldn't do anything and asked me to wait for the period that customer support told me. 

Right now, I am only left with {$260.00} in my account, and my loan amount will not come to me until XX/XX/2022. 

I did a police complaint today, i.e., XXXX XX/XX/2022, about the same, and reported to the bank ; the manager again asked me to wait for the time frame and said we couldn't do anything for the complaint.

Also, she told me that the affidavit was sent to my mailbox, and I didn't respond, so they closed the incident. However, I have never received any testimony. The incident number for my case is XXXX. 

And today on XXXX XX/XX/2022, again a fraud transaction was done by someone to pay a discover card payment of {$1700.00}. I also reported a police complaint about the same today i.e. XXXX XX/XX/2022. I don't know what is happening with my account. 

I am a student and this is my loan amount. Right now the current balance of my account is- {$1400.00}. 

I am really very stressed by this. I am not able to concentrate on my studies also as almost {$2700.00} is not a small amount for me. I have to pay my bills and I have to get groceries to eat food. 

Please help me with the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from Oportun on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I rented a car from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX branch ) for a 7-day period. On XX/XX/XXXX, after I had stopped at a gas station on my way to return the car to the rental office as scheduled, the fuel injector broke. I called the XXXX customer roadside assistance, who towed the car to a mechanic. A month later, I received a {$1700.00} charge on my Chase XXXX XXXX credit card from XXXX, who were under the assumption that I had the car from XX/XX/XXXX to XX/XX/XXXX ( the amount of time between when the car was towed to the repair shop and when the car was fixed/returned to XXXX ). As stated above, I only had the car for 7 days, from XX/XX/XXXX to XX/XX/XXXX. I have tried unsuccessfully to dispute this charge with Chase three times : ( 1 ) once prior to receiving the receipt from XXXX ( at which point I had no idea why I was being charged so much ) ; ( 2 ) a second time after I received the receipt from XXXX ( but it was in French so I misunderstood some of the charges for which I was in fact responsible ; and ( 3 ) a third time after I went through the receipt and XXXX 's response, and provided proof that I could not have had the car after XX/XX/XXXX. 

I am filing this complaint against Chase for the {$900.00} ( a portion of the {$1700.00} charge ) that remains on my account. Chase has failed to acknowledge that I am not responsible for the cost of the rental car between XX/XX/XXXX and XX/XX/XXXX, when it was in the repair shop, nor that I am not responsible for the cost of the deductible ( because the breaking of the fuel injector was not my fault - in other words, XXXX rented a car with a mechanical issue to me ). Chase 's most recent correspondence to me, dated XX/XX/XXXX ( after my third dispute ), stated that they were not successful in contacting the merchant to negotiate a credit. 

The document " XXXX receipt '' is the receipt from the rental car company, which I got after my first dispute with Chase. The document " XXXX '' shows that I withdrew money from a bank in XXXX, XXXX on XX/XX/XXXX, after I flew there from XXXX. ( Given that a one-way trip to XXXX is more mileage than what the XXXX receipt shows I drove on the rental car, it was impossible for me to have driven the car all the way to XXXX and to still have it on XX/XX/XXXX. Thus, this document proves that I could not have had the car between XX/XX/XXXX and XX/XX/XXXX, as XXXX claims. ) The document " Chase dispute 3 ''  is the letter I sent Chase, along with the XXXX receipt and " XXXX '' document, to file my third dispute ( for {$900.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CORELOGIC INC
State: PA
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:
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( 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 2022-02-11
Company: EQUIFAX, INC.
State: DC
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 submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report # XXXX. Equifax did not remove all inquires requested in the report. The left the following inquires ( 1 ). XXXX XXXX XXXX and ( 2 ) XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I checked my emails as I normally do each morning. At this time I read an alert from my credit monitoring service and was advised of a collection being placed at the credit reporting agencies by Diversified Consultants ( This may be the 2nd/3rd time I've reported this same agency to your bureau during the past 11 yrs ). This was in reference to a {$240.00} unpaid bill allegedly owed to XXXX XXXX in XXXX. That said, I've had this same item removed from my credit report on 3 different occasions during the past 11 yrs. Also, I'd received no correspondence from Diversified services nor XXXX XXXX  relating to this most recent attempt to collect this alleged debt prior to it being placed on my report. It mysteriously appeared out of nowhere. Placed a call to Diversified and was transferred to 3/4 different departments and voiced my displeasure of the tactic used by their company and was advised that they would " Make notes " of my complaint. In closing, I would like your assistance with having this unwarranted/derogatory remark removed from each credit reporting agency in which it was submitted. Thanking you in advance for your prompt and professional handling of this matter. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2021-09-18
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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 explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: DC
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/XXXX I submitted a CFBP complaint # XXXX stating the following I did not consent to authorize nor benefit from any of the following inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. And requested Experian removed the inquiries listed in the FTC Report. Experian did not comply to my request and is currently in violation and I will seek litigation if this matter is not rectify. I submitted proof of my identification and provided Experian authorization to remove the requested inquiries.

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 2021-03-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I have been submitting claims, complaints and cases through the Coinbase website and have only gotten automated responses, and then no responses at all. I originally purchased {$1500.00} worth of XXXX currency in XXXX on the Coinbase platform. I purchased XXXX, XXXX and XXXX. In XX/XX/XXXX, I noticed all of my funds were taken from my account. There are no transactions showing the money being withdrawn from my account, nor did I sell any of those positions or take money from any of the investments. I am not getting any response when submitting claims. Please help, I am seeking whatever legal recourses needed at this point. I have multiple case numbers and a complaint number. Here is the case number I tried re opening XXXX and complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
My Santander auto loan should be part of the class action lawsuit. We took action the summer of XXXX through XXXX XXXX courts to put a hold on all transactions and action until a hearing was taken. At that time we were unaware of the lawsuit. Covid hit and we had no hearing set, but found out about the lawsuit. I feel we were overlooked because we put the hold in the court thinking that we were doing the right thing. They say our loan should not be part, but I feel that I have proof of unfair and predatory lending and fit into the subprime practices of the company. The loan originated on XX/XX/XXXX and falls into the actions by us being taken before XX/XX/XXXX. The company violated the fair lending requirements of the ECOA ( Regulation B ). Proof of that should be the 3 copies that I have from the Automobile sales company of them restructuring this subprime auto loan. I have sent a letter to my Attorney Generals office and was directed on XX/XX/XXXX to call Santander, whom I have had no contact with due to the court advising me onto do so. Santander was harassing me with phone calls even after the court order was on file. I have All dates in my phone. It is starting again due to we tried to have a lawyer take this action and he wasnt following through. I called XXXX XXXX who also directed me to Santander. I then called Santander on XX/XX/XXXX spoke to XXXX # XXXX who said that he had nothing saying that my loan was eligible. I asked who could evaluate my loan and he only offered to settle ; even after Santander illegally took the vehicle while the petition was in court. I then called CFPB on XX/XX/XXXX to be sure I should put in this complaint. There is not a loan number on my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I OPENED MY SAVING ACCOUNT WITH CIT BANK ON XXXX XXXX,2017.THEY PROMISED ME BONUS AFTER THREE MONTHS OF OPENING ACCOUNT. SO FAR I DID NOT GET ANY THING FROM THEM. THEIR CUSTOMER SERVICE IS VERY BAD & ONE HAS TO WAIT FOR LONG TIME. IT LOOKS LIKE A SCAM TO ME.THIS BANK IS NOT TRUSTWORTHY AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EVER SINCE XXXX & EQUIFAX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX IN MONITORING SERVICES..

Company response to consumer: Closed with explanation