BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was doing business through PayPal and a client was paying for service through PayPal and when I tried to withdraw funds they wouldnt let me so I contacted via phone to let them know that they kept saying its a error to withdraw my funds so the lady instructed me to follow her instructions and I tried 3 times and it locked me out so she then told me to say 48 hours to try again so I called back and another PayPal representative told me to do the same thing the First Lady did that caused me to have to wait 48 hours to try again and I told her that I tried that with another representative already and it locked me out from doing anything for 48 hours so she said just follow her instructions so I did and it did the same exact thing and she hung up immediately so it cause a flag to go over my account and then they came to terms they would hold my funds for 180 days for chargeback feeds. I emailed the executive of escalations and he would not be understanding of my situation to get my funds back with it being there phone representative fault they flagged my account so its been forever and they still not giving my funds back. I have photos and emails from the conversation Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Innovate Managed Holdings, LLC
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:
Been disputing a particular account on my XXXX report since XXXX every 30-45 days for Innovate Loan Service . This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX  and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of XXXX even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from XXXX. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXXXXXX XXXX is not there business as listed either I went there! I live in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
PNC  bank has charged me a late fee on several occasions when I am making my payment on time. I was charged a late fee but my payment was not late even after the bank sent the payment on time. I have had the worst customer service from this bank. I was told I would be sent a passcode to access my account online. I receive the code and it never worked! I am so upset about this. I have not been able to view my account online! I have never seen a more complicated online process. Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt. 

I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt. 

I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower. 

I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions. 

I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made final payment on two separate accounts with XXXX XXXX XXXX. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in XXXX and transunion. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.

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 2019-03-13
Company: Nelnet, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I received a letter from Nelnet as response to a forbearance request that I made saying my loan was in forbearance. On XX/XX/2019 they withdrew {$120.00} from a bank account not associated with the loan I placed in forbearance. All of my other loans were on auto-pay for several years, but I never placed my new loan in auto-pay because I intended to pay for it with a different account. The money was not authorized to come out of the other account, but they took it anyway. When I called on XX/XX/2019, they told me that I could not get a refund for the money they withdrew without my permission or the permission of the account holder, and that my loan does not qualify for forbearance or repayment options. This account has already caused me problems because my grace period was taken away and I am in a situation where I'm being charged {$120.00} per month on this loan. I make {$350.00} every two weeks. I'm already starving myself to make ends meet. I can't afford this high of a bill, but I have no alternative except to pay because the department of education sent {$300.00} more than they were supposed to and if I pay that money back to get the grace period that I was guaranteed in my promissory note, then I won't be able to pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX  multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX  and Transunion has stated this multiple of times : That the data furnisher says that XXXX XXXX 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX XXXX, XXXX XXXX  and Transunion 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: CA
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:
There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN ODA Inquiry Date XXXX XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX  CARD Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date XXXX XX/XX/2020 XX/XX/2020

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 2017-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
<P/>
I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
<P/>
Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 - There is a fraudulent hard inquiry ( making my credit score go down ) on my Equifax credit report ( but not my XXXX  account ) from XXXX XXXX dated XX/XX/2019. I disputed with Equifax and their reply was 'inquiries are a factual record of file access - contact the creditor '. I contacted XXXX twice and after being on hold forever, finally reaching a person, I was then disconnected on both calls ; the third call I was told there was nothing with my name, no account and my social security did not show up with them at all. I asked them to contact Equifax to verify this information and was told they could not do that because there was no information showing up. I have never requested any wireless service or tried to set up an account with XXXX XXXX - have had my wireless service with XXXX for 15+ years now. I contacted Equifax and told them what XXXX said and was told filing a dispute with FTC or police was my only option now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Recovery Group and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: FL
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:
15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  accounts 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. 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 2022-08-15
Company: JPMORGAN CHASE & CO.
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 wife passed away on XX/XX/XXXX. We had a title and she was the only XXXX on the title of the loan, I did not have the information on where to make the monthly payment, a few months later I received a call from a collection agency which claimed we would have to pay the full balance of XXXX of the car loan that was issued by XXXX Bank. I asked them if I could make a payment arrangement, the lady said she was going to send a tow truck to tow the car, they told me that since my wife passed away there was no payment arrangement that I could set up. I decided to transfer the money from my investment account to my checking account that I have with Chase. I gave the lady the information on XX/XX/XXXX for the electronic payment to the bank. I gave her the information to withdraw the money. I asked her to send me the letter indicating that she had received the payment when she took the money she told me that when the time comes I could go to the DMV and request the title of the car. On XX/XX/XXXX I moved to Florida and lost all the documents I had. In XX/XX/XXXX I went to the DMV to request the title of the car. They told me that I couldn't do any transactions because there is a lien on the car. I went to XXXX Bank which had issued the loan, to request the title and they claimed to never received the payment and in order to get more information I must have an in state document from the court. I went to the court, and they said in order to obtain an in state account I must have a receipt of all the payments that I made for the funeral or I must have a lawyer. Since I seen that the charges were too much I went to Chase Bank where the money was withdrawn through ACH. I went to the bank that issued the payment and I explained the situation to them. They said they never received the payment. I filed a claim and the bank gave me a temporary credit. The bank said they had to take the money back from me. I asked if they could tell me who took the money so I could take them to court, and they told me they couldn't give me and information. I still haven't received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OR
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief