BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
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: Account status incorrect

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: United Accounts, Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had someone use my social security number and open many accounts and also inquires I never had made and Payments not showing on paid accounts and my credit score is very bad due to this and I pay all my bills and have not even had a chance to ever ruin my credit but someone is. No one helps me they just keep sending me to online operator and get hung up on I am just so furious I do not even know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello. I opened an account with PayPal around the middle of 2021 on some recommendations from friends that used the service. I never ended up using the account for a long time. However, I recently wanted to start playing at an online casino and PayPal were advertised as a method for deposits and withdrawals, so I thought I'd see if it worked well. I couldn't initially upload funds to my PayPal account and when I tried to use my bank account with it, it wasn't working. Eventually I had some funds sent to the account and I made my deposit to XXXX XXXX. A registered online casino with the New Jersey XXXX XXXX. The deposit worked great, so I intended to start using my account. This was when I asked my friend, XXXX to transfer me some money over the weekend. He transferred me {$6000.00} but instead of the money arriving in the account, the transfer was placed on hold and I immediately started receiving emails from PayPal congratulating me for my first sale. I have never sold anything or accepted payment for any purchases or sales. I thought this was strange. Then, yesterday I received an email at XXXX titled : " We need some information regarding your PayPal account. ( Ref ID XXXX ) ''. This email said that some limitations have been placed on my account and they would like some information from me. I did not have time to respond to this because exactly XXXX minutes later at XXXX I received another email titled : " You can no longer do business with PayPal XXXX Ref ID - XXXX ) ''. This email detailed the fact that my account has been locked and closed and that my money is being held for 180 days. This is ridiculous and surely illegal?! How can they just seize my money? I need your help to get my account unlocked as soon as possible, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an official grievance against Experian situated in XXXX. XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXXXXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Experian has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.

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 2018-01-18
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: Account status incorrect

Complaint:
In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

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 2021-12-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promotion set to expire XX/XX/21. The amount due was {$950.00}. I paid {$1000.00} on XX/XX/21. I was still charged the deferred interest amount of {$300.00} despite paying the amount in full. When I called I was told the charge could not be reversed for XXXX reasons, one was that the amount didn't cover the promotion plus the monthly payment that was due. This is NOT correct. The monthly payment that was due was {$43.00}. The {$1000.00} covered BOTH the promotional balance set to expire and the monthly payment. I was then told it wouldn't be reversed because I didn't dispute within 20 days. They made the mistake, and now I'm forced to pay an additional {$300.00} even though the mistake was on their end. This should be criminal. The should not be allowed to take advantage of customers this way. They make PLENTY of money legally, taking advantage of customers to pay for their mistake because of some bs timeframe they put on me being able to catch it. It is shameful.

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
Consumer complaint received 2019-05-13
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Follow up to complaint XXXX Co unwilling to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Lota Financial Group, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I am not quite sure I have a real complaint. 

I have been trying to get a definite quote from XXXX XXXX ( NMLS ID XXXX ) for refinancing my mortgage. After a lot of wiggling around, I finally got Loan Estimate with a lock on XX/XX/XXXX emailed directly to me ( no signatures, attached ) and I got an email on the same day asking me to e-sign the documents on XXXX XXXX XXXX. When clicking on XXXX XXXX XXXX the loan number ( picture XXXX ) was different than the one on Loan Estimate. So, I did not proceed. 

Today ( XX/XX/XXXX ), XXXX XXXX forwarded me an email from XXXX XXXX ( XXXX ). XXXX claims that the loans are the same, however, he attached a screen shot ( picture clarification ) which seems to show that they are not. Note that this picture shows two different loans : 1 ( float ), 2 ( LE locked ). I think I was emailed 2 but I was asked to sign 1. 

I am not in mortgage business. This could be either blatant attempt at fraud or just clumsy way of accounting. I got other offers which were much more transparent. Can you clarify this ( if Trump did n't fire you yet )? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ), XXXX XXXX ( Original Creditor : XXXX XXXX  ), XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

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 2021-02-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These are medical bills that have the incorrect amounts. All of the collection items from United Revenue Corp says that I owe {$840.00} for medical services. This information is incorrect and a violation of HIPPA law and I have repeatedly asked to remove the accounts and they refuse.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation / No knowledge of the account / too many inquiries.

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 2022-08-13
Company: Bepensa Capital, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have continuously made letters to business as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX in request to the following information regarding the sale or auction on the account listed. I've asked this business to provide all documents of when and the amounts in which the vehicle was sold or auctioned. I've asked for the deficiency balance or surplus amount following the sale or auction of the vehicle, as well as the original balance of the vehicle. I was told via telephone from a XXXX that they do t have any info in reference to acct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!

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 2021-12-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today, XX/XX/XXXX, my sister in law called US Bank in regard to a letter she received from them. The letter was asking about transactions on a certain account. When she called, she spoke to a banker who asked her a series of questions regarding ownership of an account. She affirmed that she has an account with my wife, which is a savings account that is being held in trust. The original owner was my mother in law who passed away on XX/XX/XXXX. She was then asked to verify deposits in various amounts, but those deposits did not coincide with any accounts she holds with my wife. Those deposits coincided with an account that my wife and I hold. After her phone call with the banker, my sister in law called my wife and I to notify us of the conversation she had. I had received a phone call on XX/XX/XXXX from the XXXX XXXX XXXX asking me to verify some transactions on my savings account ( for the record, this conversation with the bank regarding my account activity was totally appropriate ). I do not know how my account & my wife 's information had been cross-referenced. But what is more disturbing is that this banker shared private information on my account with someone who is not on that account as a signer. This banker shared balance & deposit information to an unauthorized individual. I feel this is a serious violation and this needs to be remedied.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Transunion regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any 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 2021-03-24
Company: EQUIFAX, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation