BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
OnXX/XX/2019 I ordered appliances from Home Depot, a XXXX range and an XXXX washer dryer combo for a newly renovated home.I used my Home Deport credit card.  Home Depot Credit Services XXXX XXXX XXXX XXXX XXXX, SD XXXX  My card ends in XXXX.On XX/XX/2019 Home Depot's subcontractors delivered the appliances and damaged my home.  They drilled 6 extra holes in the brand new floor while trying to learn how to install the stove anti tip bracket.   They tried to force the stove into it and broke the leveling leg on the stove. So now the stove sits crooked with a broken leg (see photos).  While driving away, the delivery men ripped wires from the building and damaged my roof where the wires were attached.I had to call 911 because wires were 3 feet off the ground and it blocked traffic and was dangerous.  I have attached photos of the responders fixing it so public traffic would not be impeded.  I have attached photos of a metal rail sticking up on their truck that ripped the wires down.I reported it that day on the phone and on the paperwork (see attached)I incurred $XXXX in repair bills fixing my roof.I have tried filing 3 disputes and all I get told is to deal with the delivery company or call the store.  I didn't buy from a store.  I bought online.  Homedepot.com referred me to their subcontractor who is giving me a runaround.  The credit card company is siding with home depot.  They are biased.

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 2020-11-16
Company: D2 Management LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a telephone call from D2 management the week of XXXX about a XXXX XXXX debt that is from XXXX. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
re : One Main Financial Adding Vehicle Insurance On Title Loan # XXXX On XX/XX/2018, in response to written communication received regarding failure to supply proof of insurance on vehicle used to secure funding, we faxed copy of Declaration Page for policy with XXXX XXXX XXXX XXXX/XXXX Insurance to number supplied, along with a US Mail copy sent for the second time. 

On XX/XX/XXXX we received notice, that 'despite two prior notifications ' a 'Lender-Placed Insurance Premium Add-On ' premium of {$470.00} was being added to loan amount. 

On XX/XX/XXXX a call was placed to Customer Service seeking information as to why, despite confirmation of document received, we are being charged this unnecessary premium amount. 'XXXX ' informed us 1. Mail received requires a month to reach data entry department for update to account and 2. No telephone calls are initiated by One Main to account holder requesting a second fax, if one page of original fax was blurred or hard to read, which was the case here. 

On XX/XX/XXXX, via the 'Contact Us ' page on website, we sent a notice of our displeasure with how our communications were not acknowledged in a timely manner to avoid a {$470.00} additional fee. We explained and verified both mailing address in XXXX, GA and fax number indicated on their documents. We were reassured all was now ok with our account and the additional fees would be 'waived '. 

On XX/XX/XXXX, we received 'Creditor Placed Vehicle Insurance ' policy from XXXX XXXX XXXX XXXX XXXX IN, indicating amount due of {$470.00} was being added to loan amount. 

On Tuesday XX/XX/XXXX, e-mail was received from 'The Executive Office of Customer Care ', asking us to contact XXXX XXXX , @ XXXX, option 1, extension XXXX to address our concerns. No mention was made as to what time zone this person is located, so our first two calls from PST were disconnected when keying in all the numbers. We attempted an earlier time, and finally did make contact with XXXX XXXX who is in CST. 

Unfortunately, this call was very unsatisfying, since this department had no copies of ANY documents pertaining to my issues! 

Please help us straighten this out! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Trans Union received my dispute certified mail no. XXXX for a negative account listed on my consumer profile that was a result of fraud activities that should have been removed. They failed to do a proper 30 day investigation. Additionally I requested for them to NOT use the XXXX system and retrieve the police documentations and send it directly to the DATA FURNISHER for a 100% complete and accurate investigation.

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 2017-08-07
Company: ENCORE CAPITAL GROUP INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Midland Funding, L.L.C reported the same debt of {$2600.00} ( A charged-off XXXX Card sold to Midland Funding by XXXX ), as " Collections '' to XXXX Credit on XXXX/XXXX/2016, and then reported it again as " Collections '' to XXXX on XXXX/XXXX/2016.
This debt was then reported as a " New Account '' to XXXX Credit on XXXX/XXXX/2016, and then reported again as a " New Account '' to XXXX on XXXX/XXXX/2016.
I believe Midland Funding is in violation of the Fair Credit Reporting Act as Midlands DID NOT prevent re-aging ( inaccurately changing the date of the first delinguency on a consumer 's account to a later date ), and duplicate reporting.
In addition, I received no written notice of this adverse posting to my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: CA
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 got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called XXXX XXXX XXXX and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that Wells Fargo wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from XXXX XXXX XXXX XXXX. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.

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 2021-04-29
Company: Paypal Holdings, Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the night of XX/XX/XXXX of 2020 I purchased 3 items on line for a total of {$510.00} from XXXX and pay pal was a third party. The side was ended to be fake and I was scammed. The transition appeared in my card as PayPal superstore and it said I bought the stuff from a wired side which wasnt XXXX XXXX. I immediately called the number on the back of the card and they cancelled my card but the transaction was through so they filled a dispute with PayPal. I called the real XXXX XXXX and they didnt have any records of the purchases so they said I was scammed and it have happened to other people. I dont know why pay pal wont give me my money back because they know it was a scammed. I have done some investigations and there is around 145 people that have been suffered the same scam that I had. In addition Pay pal know I didnt got the items that I purchased not knowing that I was dealing with a fake side instead of the real XXXX XXXX. According to my bank the items were delivered to New Jersey and I live in CT. I put my correct address when I did the purchases but still the items were delivered to New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
I just received written confirmation that XXXX XXXX, my ex-wife, will be removed as an Authorized User on my Wal-Mart Credit Card, account number XXXX ( the Account ). It is my understanding that Walmart intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of securing a mortgage for the purchase of a home. The negative impact ( lower credit score ) from reporting the Account on her Credit Report, will cost her several thousand dollars in order to obtain an applicable interest rate if the Account was deleted and no longer reporting ( higher credit score ). Since she is not, and was never, responsible for the balance on the Account, I do not understand why you would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the negative impact the Account has on his Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Wal-Mart, to  discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. Time is of the essence and I would like written confirmation immediately. I look forward to hearing from you right away.

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 2021-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my credit report in XXXX, I noticed that Toyota Financial Services has reported incorrectly that there have been 13 missed payments on my XXXX XXXX XXXX lease. Unfortunately this is significantly impacting my credit report. The car was considered as a total loss, was paid in full & the account, account number XXXX, was closed. I was in complete contact with Toyota and even purchased another XXXX XXXX at the same location, XXXX XXXX XXXXXXXX XXXX. 
I am needing to purchase another car as soon as possible, and I have requested that Toyota update the credit reporting companies with the correct info noting that this account is not & has never been delinquent, all payments were up to date through the end of the lease completion ( XX/XX/XXXX ) & that this is now a closed account. 
I sent Toyota a letter detailing this information & it was confirmed received on XX/XX/XXXX. I've spoken with Toyota weekly & finally received a letter from Toyota dated XX/XX/XXXX confirming that my account is 0 days past due and is closed. However the missed payments are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXXXXXX XXXX XXXXXXXX account belong to someone with similar name. bureau deleted then it came back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: OR
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX and 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 2019-05-31
Company: EQUIFAX, INC.
State: MA
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:
There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX  that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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:
I provided Experian, XXXX  and XXXX  with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.

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 2023-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
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:
My TD Bank Business Credit Card XXXX was last used by me at a restaurant in NJ on XX/XX/2023. I live in New York and my card was used in Florida. I'm in fear that my card was cloned and the card was not used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my vehicle for {$2000.00} more than I owed. XXXX paid the total to my lender, Ally within 3 days at the beginning of XXXX this year. Ally said the overage due me should in my hands by the XXXX. Which seemed like too long. I didnt receive it so I messaged them. They said it wasnt even mailed till the XXXX! Here it is the XXXX and I STILL dont have it. That is not their money to trifle with.

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 2021-02-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account due to false accusations from customers via XXXX causing it the Paypal account to be suspended and will not help me with getting it back up and going. I am a trusted seller on XXXX with over 40 five star reviews proving how safe I use Paypal. I rely on Paypal hugely is a source of income and without it I struggle. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to the Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, 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:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

Company response to consumer: Closed with explanation