BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards  credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing  they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.

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 2020-06-23
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I filled out an application with American Express for a new XXXX credit card because I wanted to take advantage of a promotional offer. I was emailed a status update which I had to go to a secure site to check and was notified that i was declined. I then called a phone number which informed me that was application was declined due to an account I had with American Express being closed out with a balance on it. I have never had a personal American Express card but a Corporate Card. 

I had started working for my former employer XX/XX/XXXX. Due to illness and multiple XXXX I went on sick leave from XX/XX/XXXX. I did not return to the company until XX/XX/XXXX and where I was promptly laid off from my position. During the separation meeting, I informed XXXX XXXX that there were some charges from my Corporate Card from travel that occurred at the end of XXXX and first couple of days in XXXX for a XXXX XXXX   XXXX that needs to still be expensed but I didn't get a chance to since the charges had been purged from the system by the time I returned to work so there was no way for me to expense the items. 

What incenses me about this is because Corporate Cards are not issued on individual credit but n corporate credit. Even if I had used  the card or personal purposes, eventhough I did not, it should still not reflect on my personal credit as I never used personal credit to get the card. 
Without disclosing my medical condition, I was forbidden to access any work items during my sick leave. I shouldn't have to legally do this. It is very upsetting. 

They need to remove this for my credit immediately and request the company pay them by their contract terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For my account XXXX, they sent the remaining {$1200.00} back to the IRS. However, there were some ATM disputes that were left and they replenished $ 800-1,000 back into my account AFTER the money was sent to the IRS XXXX So now there is a balance in my account that is owed to me. I need that sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have leased two Chrysler vehicles in the last few years a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

- On the previous lease ( XXXX XXXX XXXX )  we were overcharged for a tax payment and ended up overpaying Chrysler Capital. I called and spent hours trying to get a mistake created on Chrysler Capital 's end sorted out over the last 18 months. 
- Because of a lot of back and forth, as well as misguidance from Chrysler Capital Allegiance Team, my account had a delayed payment on it in the amount of {$110.00}, which Chrysler Capital reported to the credit bureaus even though I did pay it right within 30 days ( we paid it once we had not heard anything back from Chrysler regarding overpayment ).

-After calling and explaining the situation ( as well as our perfect payment history ), Ive been told by Chrysler Capital Allegiance Team multiple times that this delayed payment would be removed by the credit disputes team but have yet to see this reflected on my credit report. 
- Last week, I was told previous associates " misspoke '' regarding getting the delayed payment being removed from the credit report and would be further trained and potentially let go Chrysler Capital has not only provided misinformation MULTIPLE times, which resulted in this dispute, but they have not removed this from my credit report as they have told me repeatedly they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a legal name change. As per Experian, I should update my name with all of my creditors. When the creditors update payment information with Experian, my new name would also update. I did just that. Except, when the payment information was provided to Experian, it caused my report to split into two. I now have a credit file under my old name, and another under my new name. I contacted Experian and they opened a case to combine the two credit files into one. The first attempt, on XXXX/XXXX/2019, Experian had me upload my name change order from the courts and told me they would merge the credit files within ' 3 business days. That never happened. I called again on XXXX/XXXX/2019 and was told another ticket had to be opened. They saw the paperwork was submitted, but it was never handled. As of this morning, I found that they did not merge my credit files, but instead moved my accounts off of my old credit file and onto the new XXXXne. This is still leaving me with two credit profiles which is causing issues obtaining new credit, etc. I contacted Experian again today, XX/XX/2019 and was passed around for almost 45 minutes before they finally just hung up on me. I tried to login to my XXXX XXXX membership through Experian, and I see a blank profile ( my old name 's credit file ). I need to get these two credit files merged properly.

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 2018-03-19
Company: EQUIFAX, INC.
State: AL
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:
I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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 I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
I paid XXXX XXXX XX/XX/19. {$800.00} with credit cards # XXXX to replace siding on my chimney. They didnt replace the siding but cleaned and repainted the old siding which had some rot spots. Repairing the rot wasnt in the contract only replacing it. I tried contacting them several times but no response by cell XXXX and work XXXX which wasnt in service so on XX/XX/19 I filed a complaint with Chase # XXXX. Chase rep XXXX who took the complaint # XXXX and called them while I was on the line before he completed it. I never received the complaint by mail so I called them and found out that it had been closed because of no response from me. XXXX XXXX said that he wasnt contacted until he got the chargeback which was a lie. Chase refiled the complaint # XXXX XXXX and I got the mail within 10 days. I had the XXXX branch manager fax the documents ( cashier check # XXXX XXXX  XXXX XXXX XXXX dated XX/XX/19 and statement of payments on XXXX  XXXX XXXX checking acct. XXXX a rep fax the picture of the new repairs by XXXX XXXX which I had to pay again to replace the siding that XXXX XXXX didnt as requested by manager XXXX in complaint department. My complaint was declined because I was told that it was untimely by a manager named XXXX on XX/XX/19. XXXX requires banks to charge back payments if you didnt get what you paid for and I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX/XXXX college and graduated. I did this despite barely attending classes and never doing any homework. I was pressured into attending the school by telling me that I would be guaranteed to make XXXX dollars upon graduation and that the program had 100 percent job placement. I was excited, but after one week of classes I realized it was impossible to fail. We were allowed to look up the answers online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complaint is towards the online bank Paypal.

This is my story. I will try and keep it short ...

I provided a writing service for someone who paid me approx {$50.00} for the service I provided. He paid via PayPal. I have screenshots.

A few months later this party opened a chargeback case with his bank.

The case was opened with PayPal.

PayPal assured me that if the case was lost they would give me the opportunity to provide any screenshots or proof that I have. This is actually required by law that the consumer has a right to dispute the case with proof.

PayPal later closed the case and NEVER gave me the opportunity to provide ANY proof what so ever. In fact they have been trying to collect on the debt PRIOR to even closing the case which goes against laws established by the Fair Debt Collections and Practices Act.

I want this case DROPPED from PayPal and I want my account CLOSED with PayPal.

They are breaking several laws and every attempt I have made to contact the party that paid me results in returned email as if his email no longer exists.

Every attempt I have made to resolve this with PayPal customer service results in a canned pre-scripted answer that does not help AT ALL. 
My PayPal account is under the email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Phoenix Financial stating that I owe them money for a medical bill. The letter said I had 30 days to dispute it and which I did. The letter was send out on XXXX XXXX and it was received by phoenix financial on XX/XX/2020. I asked them for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 
On XX/XX/XXXX I received a letter from Phoenix Financial stating I owe this money and showed me a bill from another collection agency. This is not what I asked for and they did not provide me with this original medical bill that they say I owe them. Now I am asking them to remove this collect account off of my credit report or I will do the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau which I am now.

4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.

6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. 

I know my rights and I expect them to remove this account ASAP. I am attaching all documents that was send to Phoenix Financial and to comply with my demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: MI
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:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, Experian and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not 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 2019-06-18
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I PAID IN 2016 OVER {$20000.00} TO 2 COMPANIES XXXX XXXX AND XXXX XXXX. THESE 2 COMPANIES SCAMMED ME AND THE PAYMENTS WERE DONE BY XXXX. I TRIED TO CONTACT THEM AND THE PHONE NUMBERS ARE NOT IN SERVICE. THERE WAS ANOTHER COMPANY CALLED BANCO AND THEY WERE A PART OF THE SCAM ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One prepaid credit card of {$300.00}. Payed off balance and closed account in XXXX, was told refund would be issued after 30 days. Called again at that time, was told after 60 days. Called again at that time, was told check was issued, should arrive in 7-10 days. Called again after that time, was told someone would call me back. Called one week later ( today ), was told no check was ever issued, call after 90 days. The stories and timelines never add up and most of the people I speak have foreign accents. I feel that I am being scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get my mortgage loan statement rectified. I have been dealing with this for six months, The company stated that I was short on my payments when in fact I was one payment ahead of schedule. They adjusted my payment receipt schedule and I feel it still not accurate as of XX/XX/19. They told me my payments were up to date but I feel the adjustments they made on the loan activity statement are incorrect. I have spoken to several agents of their organization and just can't seem to get them to understand the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as 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 2019-06-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two days ago a derogatory item suddenly appeared on my credit report that I have no knowledge of. Today, I was told by the collector that it relates to an alleged XX/XX/2013debt and no backup can be provided. I have no knowledge of this debt, was not contacted and given a chance to dispute the debt ( per FCRA ) and the age of the alleged debt precludes any research on my part. this has wrecked my otherwise perfect credit. 

I also learned this debt was just purchased from someone named XXXX XXXX XXXX and Commonwealth made no attempt to verify the debt.

Company response to consumer: Closed with explanation