BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Byrider Franchising, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had purchased a vehicle from CNAC JD BYRIDER located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted XXXX  XXXX XXXX and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact XXXX  XXXX XXXX and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the XXXX  XXXX XXXX claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. SO I started to contact the stores these purchases were being made at. They gave me the name of a person that works for CNAC JD BYRIDER. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and CNAC because I trusted JD BYRIDER with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only CNAC JD Byrider. After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with CNAC because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still XXXX  XXXX  XXXX have not refunded me. CNAC and their employee have stolen {$3800.00} of unauthorized purchases made on my XXXX  XXXX XXXX CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX issued a check for an auto insurance claim payable to me and a lien holder. I, ( the account holder ) deposited the check into my account as the lien holder was listed on the check in error. Chase bank ( my bank ) received electronic funds from XXXX XXXX  XXXX ( payer ) for XXXX. Chase bank has determined they can not negotiate the check because they can not validate the lien holder within their directory. Chase bank refuses to release the funds back to the payer ( XXXX XXXX XXXX ) so a new check payable to me ( the account holder ) only without lien holder data can be reissued. Chase has not released the funds and despite a conference call with XXXX insurance claims verifying the validity of the check, Chase is holding the funds and refusing to send the funds back to the issuing bank. Additionally, my accounts with Chase are frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Every time i have a mrchant credit to my account my financial institution keeps or withholds my money for to long.   Every night i check my checking account for my credits at  XXXX  (   XXXX   ) and the credits are not there, but then i check again the following day and the money that was suppost to be credited now shows the date of the day before, but as i mentioned at  XXXX   XXXX  no credits are there.   It seams to me the bank is playing with my money and as i recall this bank was caught committing fraud to it 's customers before.   Also they are slow reporting my balance to different companies like  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My identity was stolen in XX/XX/XXXX. I recieved an email from M & T bank about a new account being opened. I called them to have the account closed on XX/XX/XXXX. They told me the account would be closed. I recieved an email from them again on XX/XX/XXXX. I called them again to close the account they told me I called them and asked them to reopen the account. I told them I did not and that it was a fraudulent account and I want the account closed. On XX/XX/XXXX I received a statement email from them I called back to demand the account be closed. They told me the account would be closed. On XX/XX/XXXX I received another statement email from them. I called to have the account closed again. They told me it would be closed by end of business that day. On XXXX I received another statement email. The bank account is still not closed. This is a fraudulent account that I did not open. It's not even opened in my legal name. The account is opened under XXXX XXXX XXXX and my legal name is XXXX XXXX XXXX. I told them when I spoke to them in XXXX if the account wasn't closed I was filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Exeter Finance Corp.
State: CA
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:
This Auto loan company showed up on my report and I asked both XXXX  and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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:
I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This XXXX point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 Equifax, XXXX, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XXXX 2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for XXXX drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX  Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CARD These was not done nor was it approved by me please have them deleted off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had submitted my personal loan application on XX/XX/2022 and had also unfrozen my credit files at XXXX, XXXX, and XXXX. My XXXX XXXX is in the 760 area and have one existing loan with XXXX XXXX with an balance of {$29000.00}. I was looking to payoff my loan with XXXX XXXX with this new loan at Discover. I have made numerous calls but was told they still needed to verify me and would require a copy of both my Driver 's License and Social Security Card which I sent on XX/XX/XXXX of this year. I am still waiting and the payment for XXXX XXXX is due on XX/XX/XXXX of this year. Since Discover has not resolved this issue I will be making the XXXX payment and would like to have the remainder of the loan proceeds sent directly to me and not to XXXX XXXX. I will payoff XXXX XXXX once the current payment has been processed. The loan request with Discover is referenced with # XXXX. Requesting this loan has affected my XXXX XXXX in a negative manner because of their inquiry and lowered my XXXX XXXX. This is a form of discrimination of the Elder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This 30- point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TransUnion, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XX/XX/2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?

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 2018-07-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I, XXXX XXXX qualified for a discharge for my loans, however I had made future payments to the company until 2019, and they never refunded me for payments that I already made. The company was still charging me interest everyday despite the fact that they were already paid for the interest and principal for that month. For example if I already paid for the month of XX/XX/XXXX and XX/XX/XXXX which is XXXX dollars a month, I would still owe interest on XX/XX/XXXX and XX/XX/XXXX. When I asked isnt the principal and interest included in the monthly payment they reply yes. I dont understand why I have been paying double interest and captalization. The company Mohela even entered my account under a forbearance and they already have a monthly payment. Im so concerned that they are taking advantage of the individuals that owe student loans please look into my account.By the rate that they are going I would never pay them off and I have since cancelled my discharge until they give me the right amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Neither of the 3CRA 's upheld their obligation to my first complaint, requesting for a four day block and removal due to identity theft as per 15, US 1681C-2 stating that the CRA 's have two block any accounts said to be inaccurate due to identity theft by the consumer, no later than four business days after receipt of communication. I am now and pursuing of the next step in continuing the pursuit of legal action. The first complaint was made on XX/XX/. It is now the fifth day XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: MO
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:
After disputing account # XXXX, Equifax stated the account was verified as belongs to me. I have requested validation of debt from Equifax and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my Equifax report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a dispute to Commercial Acceptance Co after finding their address on the XXXX  website because this account is inaccurate. Commercial Acceptance Company reported the wrong address to my XXXX  report dated XX/XX/2021. THE FOLLOWING ADDRESS IS INCORRECT, XXXX XXXX XXXX XXXX XXXX, PA XXXX, THEREFORE THEY HAVE REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT. That is a violation of the FDCPA and FCRA! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: E*TRADE BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want to preface this complaint with the fact that I have, up until this point, had no issues with either my Etrade account services nor any customer service issues. I had initiated an online ACH transfer from my Etrade checking account on XX/XX/XXXX to fund a new account opening at another bank. There were issues at the other bank, so the account closure set off a string of poor customer service experiences related to the retrieval of the original ACH transfer at both banks. 

In addition to numerous customer service email requests and phone calls, the funds have still not been credited back to my account. The fact that an unknowledgeable customer service representative indicated that the funds will be credited within 1-2 days over a week ago, and the bank is now backpedaling regarding the need for dispute documents makes me just as suspicious of where my money currently is as I am with the new bank. When they told me today that this simple credit of the funds back to my account will take 90 days, I couldn't help but have to file this complaint for incorrect information provided by the initial customer service representative and the fact that a legitimate transaction would take 90 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I attempted to change my Auto Pay settings so that my bank account would debit more than the minimum payment amount. Navient 's FAQ indicated that to make changes to Auto Pay, I would need to cancel and re-enroll. After unenrolling, my interest rates were increased by 0.25 %. I attempted to re-enroll my bank, but my bank information was erased and I was not allowed to make automatic payments beyond the minimum. I attempted to enroll in Auto Pay again on XX/XX/XXXX, and I was informed it would take about 3 business days to re-enroll. On XX/XX/XXXX, my account still does not have Auto Pay enrolled, so I reached out to Navient by email. In response, they said that they can't make adjustment since it is within 14 days of XX/XX/XXXX ( my payment due date ), which it is not. I attempted to re-enroll on XX/XX/XXXX again. I have not received any correspondence on getting my bank re-enrolled in Auto Pay and in the interim, Navient has increased my interest rate unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NE
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:
Complaint filed against : Equifax Information Services LLC Unauthorized hard inquiry : XXXX XXXX XXXX 1. On XX/XX/2021, I gave such creditor, XXXX XXXX XXXX, the authorization to run a soft pull on my Equifax credit file. This was shown on my credit file as a hard inquiry and as a result I disputed this with Equifax over the phone. The representative told me to urge XXXX XXXX XXXX to furnish me proof that this was indeed supposed to be a soft inquiry. I was able to get such documentation from XXXX XXXX XXXX, and I sent such documentation to Equifax on XXXX XXXX and Equifax confirmed receipt of such documentation on XXXX XXXX. 
2. On XX/XX/2021, Equifax responded to such dispute via mail notifying me that such hard inquiry will stay on my credit file. Equifax has not provided me with any additional documentation proving that they conducted an investigation into this matter. They have not contacted XXXX XXXX XXXX, nor have they taken the documentation I sent them into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
By mistake, I made an online purchase on a site that I suspect belongs to thieves. I paid by paypal in the name of XXXX PAYPAL XXXX. 
XXXX ID : XXXX XX/XX/2022 Invoice number : XXXX. I would like you to help me recover my money from Paypal because PayPal has not yet transferred this money to these thieves. 

Total amount of this transaction : {$44.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
Company: Delta Management Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My fed student loans were transfered to Delta Management Associates , Inc . 
back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.

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 2020-11-02
Company: JPMORGAN CHASE & CO.
State: MD
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/XXXX my chase freedom credit card was charged {$2000.00} for a transaction I did not autherize. I disputed charge on XX/XX/XXXX. When I contacted chase to dispute they did not reverse card stating chip was used and I had the card after. When I requested any information pertaining to purchase, even a receipt I was given nothing. I asked that it be reviewed and escalated. I was told I would hear something in about 2 weeks and never heard back. I called back at the end of XXXX because I never heard back. I was then told it was escalated but never reviewed. This is MONTHS later. I was again told they were not investigating because it was a chip purchase even though I did not make the purchase and have no idea where the purchase came from. I closed the account at this point because of the horrible horrible customer service. This is unacceptable and they have done absolutely nothing to resolve it.

Company response to consumer: Closed with explanation