BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
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: Account status incorrect

Complaint:
I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had not been informed of the 500 % interest rate on the loan, I was told there would be a {$270.00} finance charge, not {$3300.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This has to be illegal and they give me run around on the phone and calls keep getting disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.

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 2017-10-30
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am aware of how much they deduct from me Until I start noticing why my balance is still the same amount like it goes in circles, never ending payments. After I pay {$440.00} something dollars on due date, after a week before the next due date my balance is going up again the same from the last time I paid. The interest is so high so I did call a toll free number to verify if this company licensed, and to my surprise an agent said the company is not licensed at all. I am from California, the amount I borrowed was {$500.00}, at first the pay back amount was {$170.00} dollars every two weeks, 20 times, as it was stated on the agreement. Then after I paid my very first payment, there 's an option ontheir website called " loan up '', where u can borrow again but less than to what u first borrowed, and did that few times until the agreement change from {$170.00} to {$440.00}. My main concern is is this legal In California? The interest is so ridiculous high. And it is not licensed. I dobtk ow what to do anymore.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX  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 non-monetary relief
Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: FL
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 filed a dispute on my chase credit card for fraudulent transactions. The merchant XXXX sent me 2 different emails. One alerting me to fraud on my XXXX account. The second notifying me that the charges were determined to be fraudulent and that they would be refunded. Chase refused to refund the charges, even after providing them these email evidences from XXXX. Chase has zero reason for denying this claim outside of greed. Even the merchant agrees. After reviewing my documentation emails and review the attached Chase statement with the refunded charges that were reapplied, you can see clearly that Chase has all the evidence and even merchant admittance to refund these charges. Chase even has documentation of the merchant saying that they would personally refund these charges. Chase Bank 's failure to rectify this situation just shows that they are acting recklessly. This goes beyond a simple mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

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 2022-03-30
Company: Experian Information Solutions 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:
Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

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 2019-06-28
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
here is the XXXX case : XXXX : XXXX This is the same complaint I posted against PayPal Inc on the XXXX XXXX XXXX : I made a transaction with a business in XXXX using PAypal because Paypal promises 100 % refund, but now will not give me my refund, tho i have proof. 
We wanted to purchase tooling to make tires in quantity from XXXX at XXXX XXXX XXXX XXXX via Paypal payment, because Paypal guarantees 100 % money back. XXXX at XXXX XXXX XXXX XXXX did not hold his end of the bargain and wasted a lot of our time, so we tried to get the money back from paypal ( {$1200.00} ) because XXXX never provided a product according to the agreed specifications and time. We have emails of these specifications and XXXX agreeing that he would give us a full refund if he was unable to produce the product before any transaction to paypal ever occurred. I called paypal 3 times prior ) to transaction. The only reason I took the risk with XXXX was because paypal protected my risk The issue is that Paypal will not give us our money back, despite full evidence provided. I called paypal over 15 times in total, spending about 8 hours across a few different days, first calling on XX/XX/XXXX and opening a case with paypal in which I was told to send the evidence via their website upload, which i did. I received an email 3 days later saying I hadn't sent them the evidence and that the case was denied because of this. So I called again, re-opened the case, and this time made certain the paypal employee had received the files and read them/viewed them and confirmed they had them. A day later, I got an email saying my case was denied because I hadn't sent the evidence ... So I called again, confirmed they had the files again, and again my case was denied a day later for the same reason. I did this about 4 times across XX/XX/XXXX to XX/XX/XXXX, each time trying to get a manager/supervisor who could promise me they would handle it, to which they would all tell me that I can not speak to the people who actually make decisions on the cases. I asked to speak to the employee who previously promised me they would handle it, and the paypal employees all say " I'm sorry we do not have the technology to connect to a specific employee. It is random sir. '' Every single employee said they can resolve this case and get my refund, but then my case is denied. It is very obvious by the emails that the seller promised me a refund as well. This should be an open close case in my favor. During all the time on hold, paypal 's waiting commercials kept reminding me that they guarantee protection for 100 % refunds as well, but they keep denying my simple and straight forward case, seemingly without even looking at the glaring evidence. 

So how am I supposed to hold anyone accountable/be sure that anyone will do anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used my paypal account in XX/XX/2020 to sell some goods and services, and then in XXXX of paypal, my account was frozen for no reason. Then I was asked to wait 180 days before I could get back the funds in the account. I have been waiting for the information to be retrieved, but when I logged in to my account, I found that on XX/XX/XXXX, Paypal transferred about XXXX USD in my account without my consent for no reason. It didn't give me any reason. I sent a message to paypal, but I didn't get any reply. This is not what PayPal does for me alone, PayPal often does this. I think paypal is a robbery, he is stealing money from his users. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused. 
Never applied therefor or wanted. supposedly for a XXXX account charge. 

Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M. 
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance. 

XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX. 
Demanded the account be closed. 

3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX 

Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}. 
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions. 

XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration. 
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our company recently leased 4 vehicles and the lease was financed by JP Morgan Chase ie. Chase Auto Finance. This was arranged by the car dealership. The bank bills our company and the lease payments are made by our company manager in a timely fashion. JP Morgan Chase for some reason has not been crediting payments appropriately ie. they get credited extra to a couple of accounts and a couple others are reported as delinquent. 

The bank representative called me on XXXX/XXXX/XXXX and it was explained to her that this was a company account. I told her that she should be calling the office as the issue will be addressed by the office manager. She mentioned that she had called and nobody answered. When questioned further as to what time she had called, as during the business hours, there is no reason why she would not be able to reach somebody there, she was unable to give me the details. It was mentioned to her that I will pass this on to the office manager and this issue will be addressed by her in a few days when she is back from her vacation. The representative was quite rude on the phone and she stated she will continue to call me. 

In a few days when the office manager was back, she called them and was told that they had made the mistake and credited some accounts extra in error. They said that it will take 20 days to resolve the issue. The office manager mentioned that, that was not appropriate as the payment had been made and the error was on their part, so they should rectify it soon. The office manager mentioned to me that the representative was rude to her also. 

In spite of everything being addressed as noted above, I continued to get repeated calls ie. 6 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 5 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX. At that point, I had to block their calls. 

Then I got a letter dated XXXX/XXXX/XXXX stating that I had fallen behind on my payment of {$480.00}. I spoke to my office manager and was told to ignore it as the matter had been addressed. Then today morning XXXX, I find that my credit score has " dropped close to 80 points '' because the bank had put in 1 late payment to my account. 

It is quite likely that this arrogant behavior of the banks and their staff is not isolated. Their attempt to bully individual customers who do not have the resources to stand up to them should not be tolerated. I would appreciate if you could look into this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.

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 2017-10-29
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.

Company response to consumer: Closed with explanation