BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2023-06-21
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
PayPal said I tried to send money with a card ending in XXXX. The person I spoke to was XXXX. They said if denied they won't reattempt. However they tried several times. Now PayPal was accessing my savings account. I tried to dispute the transaction etc. PayPal denied me. The bank told me to erase my savings account. Only reason the savings account was on file was to transfer my money from the app. Only way to access a savings account is with autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Paramount Recovery Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a identity theft report in XXXX and there is still showing a collect from Paramt Rec ( original creditor : XXXX XXXX  XXXX XXXX for {$710.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: United PanAm Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am an aggrieved man, UNITED AUTO CREDIT is rescinding my loan. I did not break my loan agreement. I ended up in the hospital for health issues. I had XXXX and was out of work. I got released from the hospital XX/XX/19 and go back to work XX/XX/19. I notified an agent with UNITED AUTO CREDIT that I would be late with my payment because of this unexpected issue. I paid {$100.00} towards the balance with the little money I did have and was going to make a payment of {$100.00} a week until I get paid again and could pay the balance owed in full. UNITED AUTO CREDIT agent told me this was okay because of the unexpected health issue. Fast forward to XX/XX/19 my vehicle was repossed by XXXX XXXX. I spoke with XXXX from UNITED AUTO CREDIT and he advised me they did not give XXXX XXXX permission to repo the vehicle. He advised me now UNITED AUTO CREDIT is cancelling my loan and leaving me without a vehicle to get back and forth to work. I respect that this is a business but that's a horrible business practice. To repo a vehicle from someone making payments in good faith and asking for some time. I am not a debtor and always pay my debts. I intend on paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to Experian and XXXX ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both Experian and XXXX actually decreased my score, Experian by XXXX  points, and XXXX by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted XXXX. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX  points. I then asked them why my score was lowered XXXX  points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXXl XXXX. 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my XXXX score by XXXX  points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.

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 2019-12-30
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2023-06-30
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: TX
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 have a ton of automobile inquires ranging from XXXX -XXXX and XXXX  mortgage inquiry in 2017 that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, Equifax, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did NOT authorize any of the listed accounts to be furnished on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote a letter to TransUnion Consumer Solutions dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. TransUnion refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that TransUnion conducted a thorough investigation because the information is not provided by the Sacramento Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to TransUnion dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate TransUnion Consumer Services so this erroneous information shall be deleted from my TransUnion credit report. 

Thank you, 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 2019-12-31
Company: SYNCHRONY FINANCIAL
State: MD
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 fully paid on a settlement agreement ( all documents attached ) with Synchony Bank in XX/XX/XXXX. However, as of XX/XX/XXXX, credit bureaus, including XXXX, XXXX, and XXXX, are showing the status as " Collection Account ''. The status should be " Paid Charge Off ''.

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/19 at XXXX my wallet was stolen from my purse at an after hour spot by who me and friends had to share a section with. According to witnesses XXXX friends ) a week later due to me being in intoxicated he followed me to the ATM ( i did not know he was behind me whole time ) he watched me put my pin code in and Then at some point plotted to steal my wallet with my chase debit card and was successful. At that time my friends didnt think nothing of it since they said they thought he was going to get a bottle as well. He took my wallet out of my purse without my knowledge i called chase as soon as i noticed my wallet and phone missing and an alert that said my account was low {$19.00} he took out almost XXXX XXXX to be exact at different ATMs including my own banks atm he also made {$1000.00} cash back at XXXX. Chase took my statement to file a claim. Chase then denies my XXXX claim first then told me the Reversal would be back on my card in XXXX hours then they said by the XXXX so it came back on my card on the XXXX. On the XXXX my claim got denied for XXXX total and that when i called crying saying what else do i need to do the prove this is wasnt me they said go get a police report so i got that then they said they need more poof so chase told me which XXXX he pulled money from and i went and the security at XXXX showed me a picture of the guy who used my card and it was the guy i was setting next to at the club and who followed me to the atm wearing the same XXXX hoodie. Chase then says they want a written statement from XXXX Im dude i was a picture!!! So i went back to XXXX to ask them what do i need to do to get a statement from them they said they need a police officer there to do that so i called one a sheriff came XXXX mins later but he told me since i file a police report with XXXX i would need XXXX to come then i called XXXX again to send a police XXXX not sheriff they said they not coming and that chase is doing to much a police report should work and Im like omg it wont apparently!!! So after XXXX hours of dealing with this i went to the bank right after and told me what happened at XXXX the guy called chase and said they will reconsider my claim and to wait but they took the money back so here i am now. I want to close my account this chase. If it was me who took my own money who would i file a whole police report on myself and waste everyones time because they could easily find out who did this in which they did i have proof!!!!! At this point chase just doesnt want to pay me the money that was taken from me even though its no ones fault but still i didnt tell this guy to follow me Im only XXXX and hes XXXX he can stand over me and see my pin code. I just want my money back i saved that money and i thought i could trust my bank which is why i put the money in my bank instead of leaving it in my shoe box i regret that so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone and wallet were stolen in XXXX XXXX on XX/XX/XXXX around XXXX XXXX PST. I was without a phone until Saturday XX/XX/XXXX at XXXX XXXX. I reported fradulent activities on my capital one account. On XX/XX/XXXX they said that my claim was denied due to electronic activity or login history. I was unable to log into my account until I was able to get home on XX/XX/XXXX. There are numerous charges that I need the company to reverse on my capital one checking account. there are as follows : XXXX charges in the amount of {$300.00}. XXXX are investigating it is an incarceration company to where you can pay imates. I have no one that I know that is in prison. The other charges are XXXX resorts in the amount of XXXX, XXXX for XXXX, XXXX in for XXXX charges of XXXX and XXXX, XXXX charges of XXXXXXXX XXXX XXXX XXXX  of XXXX and XXXX and lastly XXXX in the amount of XXXX. All I would like is to get my money back. I was able to get with Capital one to change all my accounts to new checking and savings accounts so that no other transactions are made. The are XXXX disputes numbers : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: D2 Management LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Santander Consumer USA Holdings Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got approved for a car loan. The dealer didnt tell me how much it would be for or a month in payments. It would up being {$600.00} for 60 months for a {$18000.00} car. Mind you I put $ XXXX down when I bought it. XXXX XXXX XXXX NJ no longer in business and check out this their XXXX reviews didnt tell me but they added a ton of fake/ nonexistent warranties to it. Never once was I told the total loan amount. Fast forward 4 months later I couldnt afford the payments. I missed 2 and they came and took the car. No notice no warning no note. I never received anything about it going to auction and it still had a ton of my personal belongings in it. 1 being my personal laptop and camera. They still are reporting it as a charge off on my credit.

Company response to consumer: Closed with explanation