BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review.

2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 

3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 

4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item?

5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. 

To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My PayPal account got hacked and my bank had to close out my account. However PayPal continued to charge my account and even took money out of another PayPal that I had to create that was not linked to my bank account. They are also stating I still owe them a balance even though the police and my bank had stated that I was in fact not at fault. I would really like to get PayPal to refund the money to me that they stole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. 

I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. 

I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I received an e-mail that stated my credit score dropped by 13 points. I was confused as why it had decreased since there were no derogatory marks so I called Experian and they confirmes this as well. I asked Experian what couldve possibly caused the drop and they informed that they could not relay that information which is my sole right as a consumer. They provided no answer to the score drop and basically told me there was nothing they could do.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

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 2018-03-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXXY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: NC
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 have been the victim of fraud, I don't have a clue where these inquiries came from and I did not give authorization for any of these companies to check my credit report. PLEASE provide proof of original date, s times and years, I gave autorization 's for these INQUIRES. Please seed me original contracts from parent companies that I allegedly signed, NOT billing statements. ORIGINAL contracts.

XXXX XXXX XXXX XXXX XXXX   ... .XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ..XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... .XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At the end of XX/XX/XXXX I traded in my Toyota leases ( XXXX XXXX & XXXX XXXX  ) to XXXX XXXX in XXXX NY. XXXX Sent Toyota check ( s ) to pay both off. It appears that Toyota misapplied funds, all monies were apply to XXXX leaving an overage. I received a late notice for the XXXX? I called XXXX to find out why. Mr XXXX, sent me a copy of the canceled check for the highlander. I could not reach Toyota. Mr XXXX DID get through to Toyota XX/XX/XXXX, talked with XXXX ID # XXXX she assured him money would be transferred. I figured that would be the end and Toyota would correct their mistake. The beginning of XX/XX/XXXX I noticed something odd on my credit report reported from Toyota so once again I phoned Toyota on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 people XXXX ID # XXXX, XXXX ID # XXXX & XXXX ID # XXXX. XXXX was the only person that seam to have some knowledge and found the mistake, she asked to give it a couple of weeks so the money could get correctly applied after the account was reviewed. I called today XX/XX/XXXX ( 2 wks ), talked to XXXX ID # XXXX, after explaining what happened to the account, she went through the notes. XXXX told me that the account need to be reviewed & give it a couple of weeks. This has given me much trepidation, and is affecting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent merican redit cceptance A certified letter via usps tracking # XXXX which arrived on XX/XX/2021 at XXXX. In the mail I sent was documents they sent to me violating my rights saying I owed a debt when by law I know I dont. As well as invoices for the violations. Below 15 usc 1692c. C2, 15 usc 1692c. C, 15 usc 1692c. b, 15 usc 1692b. ( 2 ) and as I write this today XX/XX/2021 American credit acceptance came and repoed the car which is a violation pursuant to : 15 usc 1692c. C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
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:
To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have private student loans through XXXX, and had been paying them through XXXX XXXX XXXX, until XX/XX/XXXX. My minimum amount was around $ XXXX/month, for all my loans, but I was paying {$500.00}. Around XX/XX/XXXX, I increased it it $ XXXX/month. In XX/XX/XXXX, my loans were transferred to Navient, and I was paying he same amount. On XX/XX/XXXX, I called Navient to try to reduce my payments to the minimum amount, since I couldnt figure out how to do it online. They told me that {$590.00} was the minimum! I asked to speak to someone else, and all she said was her manager came and looked at the screen and confirmed that the computer screen said {$590.00} was the minimum. I have been paying these loans since XXXX. I know that is not the minimum, because I have been paying $ XXXX/month for 8 years. Also, the easily accessible XXXX website showed me my minimum was around $ XXXX/month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/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 2020-12-15
Company: Chime Financial Inc
State: TX
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 XX/XX/2020, I opened Dispute ID XXXX with the fraud department in which I disputed three transactions that were unauthorized. These three transactions included a single purchase from XXXX in the amount of XXXX and two transactions at XXXX  for {$14.00} and {$360.00}. The unauthorized purchases were made on XX/XX/2020. The last valid 9authorized ) purchase before the disputed transaction was at XXXX for {$6.00} and this also occurred on XX/XX/2020. 
On XX/XX/2020, Chime closed dispute without justifying why. Also, on this day, I requested additional documentation showing why Dispute ID XXXX was denied. On XX/XX/2020 I received the additional documentation and it stated that : 1. As per Documents we received card was lost. 
2. With valid card present transaction from ( XXXX XXXX XXXX XXXX XXXX, XXXX, TXUS transaction id : XXXX ) after the last disputed which isnt part of the dispute while the card reported lost. 
3. The approximate travel time from valid card present location ( XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) to disputed location ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) is 22 minutes away from each other. 
4. No fraud alert captured by the system. 
I then contacted Chime by email and phone to submit a rebuttal. In my rebuttal I stated that although the transaction for XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/2020, I physically used the card to make the {$6.00} purchase the day before and I believe I lost it soon after, probably while I was at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020, I get an email stating that my claim for Dispute ID XXXX was denied once again for the following reason ( s ) : Base on the dispute form provided, disputed XXXX was lost/stolen. 
Upon investigation, a valid card present transaction happened after the disputed transaction. 
We determine that the disputed transaction is within your vicinity. 
No fraud alert/indication captured by the system. 
No declined transaction/s after the last disputed transaction. 
I insist that the purchase at XXXX XXXX XXXX XXXX XXXX was made on XX/XX/2020 and not on XX/XX/2020 as my credit account has it listed. NO VALID TRANSACTIONS happened after the disputed transactions and my claim was not handled properly. I believe that my claim, Dispute ID XXXX, should have been approved and refunded to my account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: OneMain Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
found several discrerpencies in loan after signing what was not agreed, at time of signing " electonic " in branch my co signer ( father ) and I were not supplied with loan docs and told to pick up next day and upon reviewing hem at home found several discrepencies to include multiple account numbers, not extra credit and life insurance premiums choosen at time of signing ... ... ... ..lender only changed credit life and XXXX premiums without my consent ... ... entered branch were loan originated and closed and was told by branch manager since loan was closed she was unable to assist and given the customer care number XXXX and have explained over 3 times and told loan will be reviewd and i will be contacted and to date have not with any resolution ... ... I have only received banckruptcy cease orders from one main and i to date have not filed banckruptcy ... .My fther XXXX XXXX, co barrower recently XXXX  and claims have been submitted for life insurance payouts by unknown source and still no resolution to my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX PennyMac assumed possession of my loan from our prior servicer. We had a large loss draft pending on the property and PennyMac has created an undue hardship on us due to their lack of transparency and unwillingness to help. Ever since they assumed possession of our loan, they have continued to claim that they do not have certain documents that they should have easily been provided by the prior servicer. It is not our responsibility to secure these documents for them as we did not choose to have a new servicer take over a loan with a large loss draft pending. 

I have called every 2 days since XX/XX/XXXX asking why I can not receive the final disbursement to settle this loss draft claim ( btw our house was completely lost in a house fire on XX/XX/XXXX ). Finally today, this company once again said they needed additional documents and I am baffled as to why they continue to play these games with the money sitting in our escrow account that is now past due to the homebuilder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
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 received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.

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 2017-11-29
Company: EQUIFAX, INC.
State: OH
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 have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: The Bureaus, Inc.
State: NJ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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 keep disputing account that are not mine. I have called and mailed several dispute letters about these fraudulent accounts. They are all crooks experian and these so called debt collectors. They are keeping negative information on my report after Ive told them they are not mine. I called the fraud department to report identity theft and was told my account would be deleted. Per 15 usc 1681c-2 these accounts are suppose to be removed no later than 4 days. These negative remarks are affecting my living conditions and financial situation.

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 2018-02-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.

Company response to consumer: Closed with explanation