BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: Paypal Holdings, 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:
I purchased a XXXX from XXXX on XX/XX/2020 on a quarterly ( every 3 months ) subscription base. It was for me to ensure that my forex trades stayed active when my personal computer goes to sleep. However, I kept having issues with the system. It wouldn't allow me to log in and eventually it stopped my trades completely out of nowhere. I reached out to XXXX about the dispute via email after I had already tried sitting and waiting for hours for their support to respond via chat. they NEVER answered the chat! I then sent an email requesting a full refund. They tried to offer me a free month of service and I told them NO. They told me to cancel my account. I responded to them stating that the cancellation " needed to include a FULL refund ''. They responded " Yes, you may send the request to cancel, thanks ''. Paypal refuses to issue the refund and are trying to say the merchant didn't agree to the refund. I sent them a screen shot of the conversation but they still refused to issue the refund! They need to give me my money back! I am being charged for services that I am not receiving and that hadn't been working. I have complained several times!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The JPMCB CARD with the account number XXXX appears to be a charge-off account with a specific balance of {$3800.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: IL
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:
These loans were paid in full in 2019. I have emails from XXXX XXXX that show my balance as {$0.00} for each loan. When I disputed their reporting that my accounts were still open and that I still owed a balance, I provided the said emails.

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 2020-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.

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 2022-03-31
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans have been mishandled from starting with NavientXXXX XXXX to account information being sold to multiple lenders, XXXX  data information incorrect on my credit then transfer to XXXX XXXX XXXX which have stated that i don't qualtify as a public service. Over the years I have been getting mislead wasn't given the opportunity to help lower my monthly payments when my students loans was first with Navient and XXXX XXXX. The law suit about them was true which cost me alot of interest builded up. For the last 15 years I have been in income driven payments and have been a public server for over 8 years and never was approved for the program and its not right to get mishandled with U. S department of education lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
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:
Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX/dept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/22, I received an alert from XXXX XXXX stating that a collection in the amount of {$3600.00} had been placed on my account. I pulled my credit report and found that the company reporting the collection was National Credit Systems Inc. out of XXXX, GA. I contacted them the next day and was able to obtain a copy of the bill for past due rent at the XXXX XXXX at XXXX Apartments in XXXX, XXXX. Needless to say, I had never rented and apartment at that complex. I immediately contacted the XXXX, Illinois Police Department and filed an Identity Theft report. I then carefully reviewed by credit report and discovered that another apartment in the City of XXXX was currently being rented in my name. I spoke with the manager at this complex and she suspected that the renter was there fraudulently. She even provided me with the DL # and I shared it with the detective on my case, and it was a fake ID. The XXXX contacted The XXXX at XXXX and obtained the fraudulent information used to rent the apartment. The applications from both apartments were sent to National Credit Systems , Inc. NCS has informed me that they do not make the determination on whether it is a valid debt, and that the apartment complex makes that determination. The apartment complex has told me that the collection company determines the validity of the debt and that it is out of their hands. This has been going on for almost 3 months and the collection is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am concerned. I graduated in 2008 and I am still paying student loans and owe over {$100000.00}. I don't understand why. I started looking at my statements and it looks like my balance goes up some months even though I have been paying for years. 

I have an account with Navient and XXXX. Navient is the worse culprit. Now the federal loan has been transferred to XXXX but still in deferment because of the pandemic. 

Please help me figure out how to get this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Finance of America Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original lender, Finance of America, advised my that my first payment for my mortgage was due on XXXX XXXX, 2017. They then sold my loan to XXXX who advised me 6 months later that my first payment should have been XXXX XXXX, 2017 and that I was behind in monthly payments. My original complaint # XXXX was against XXXX and this complaint is related to that previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My XXXX auto loan was reaffirmed through my bankruptcy, has been paid on time ( 1 late ), is being repo reported as closed derogatory. I have sent these crooks complete documentation over and over and over again.
They only have to look at the report to see account has been reaffirmed and being paid correctly. The bank has se my me written documentation and they still refuse to correct.
I have spoken to the bank and they are reporting Open SATISFACTORY.
TransUnion needs additional fines, they are horrible and have zero QC or control systems or proceedures to be accurate.

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 2022-03-31
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I ( last XXXX ssn XXXX ), opened a checking account ( XXXX ) at a Huntington bank branch on XX/XX/2021 based on {$150.00} bonus offer " Deposit at least {$1000.00} in cumulative new money within 60 days of account opening and keep your account open for a minimum of 90 days. '' All requirement was met but the bonus did not arrive. The bank said that my {$1000.00} electronic deposit from another bank did not count. That's not fair. Huntington bank should keep its promise to give me the {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ].  You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX Account # L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXXXXXX XXXX   Account # L XXXX account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi I bank with Wells Fargo for checking and savings, I am XXXX XXXX  XXXX! I paid my mortgage payment in error twice through bill pay from my Wells Fargo checking account! When I noticed the error I contacted my mortgage holder which is XXXX XXXX! They expedited it to send the extra payment back to my Wells Fargo Checking Account w/ Confirmation that the payment was reversed back on XX/XX/XXXX! Since then I have put in two claims XXXX XXXX ' talked to management & after 3 weeks XXXX XXXX XXXX  refuses to put the money back in my account?? The first claim number I placed was XXXX with a Team Lead named XXXX on the XXXX? Below is the other claim number and email I received? XXXX did their job by sending the money back! XXXX XXXX has still refused to track and/or put back in my account! I need that money back in my XXXX XXXX Checking Account ASAP! 

Please assist w/ this as usually they provide a temp credit while they are confirming the funds have been sent back? This has not been done! I still XXXX weeks after XXXX reversed the payment 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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to run my credit.

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 2018-06-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX   have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
Unauthorized inquiries on my credit report. I am a victim of identity theft. Inquiries were added on my report without proper verification. Credit was frozen to prevent further inquiries. 

XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the 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 2019-02-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from 1 credit card company to wells Fargo. The terms of the balance transfer for Wells Fargo were 0.00 % interest for the term of the balance transfer which means I would not have to make any payments whatsoever. Now, without any notification or changes to our agreement, Wells Fargo is making me pay monthly payments on this balance transfer. This is a BREACH OF CONTRACT, and should be considered illegal.

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