BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While processing a payment for an online purchase through PayPal, I was the victim of Identity theft. I thought I was communicating with a PayPal employee ; however, someone intercepted and instructed me to use a link to fix a problem with my account. I was using my debit card. In the space of a few minutes, the criminal transferred four payments from my bank account amounting to a total of {$2400.00}. As soon as I realized what was happening I ended the call and attempted to contact PayPal without success. I then called the credit card company and cancelled the card. I notified my bank immediately and they refused to pay PayPal for the transferred pending amount when they found out I had been victimized. I registered complaints with PayPay explaining that I did not authorize the payments. They were negligent because they failed to monitor my account. The purchases were way out of line for my customary types of purchases. I never made purchases that amounted to more than {$150.00}. They should have questioned the 4 transactions because the purchases totalled {$2400.00} and were placed within a period of a few minutes. I contacted the PayPal customer service department who transferred me to their Resolution Department. Three attempts were made to resolve the problem, but they refused to work in my behalf. They informed me the payments were not unauthorized. The incident happened on XX/XX/2020. PayPal has assigned a collection agency to collect the {$2400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found repeated hard inquiries opened by companies listed on my credit bureau report of all 3 bureaus ... .I sent certified letters to the reporting agencies and credit company that ran these hard inquiries and my letters were received threw certified mail ... ..I received only letters back from the Transunion bureau and 2 credit companies stating they didn't have to prove I authorized these repeated inquires by any written authorization constituting permissible purpose or consent by me. My complaint was dismissed and ignored by these bureau 's. ( Note ) My open XXXX XXXX Credit   account and XXXX XXXX XXXX Credit Card account ... those 2 inquiries are accurately reported and in good standing ... I do not dispute those. My name is XXXX XXXX XXXX My Social Security is XXXX My home Address is XXXX XXXX  XXXX XXXX. XXXX XXXX, Tx. XXXX I have the signature confirmations showing the certified letters were indeed recieve on XX/XX/2018 Requesting the hard inquiries.. I did not authorize be removed immediately. 
My requests were denied by all ... It has hindered my ability to have access to apply for any credit period. Thankyou for your attention on this matter. XXXX XXXX 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 2018-04-21
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I noticed several unauthorized charges on my account that began on XX/XX/2018. I filed dispute with card company, but am being given the run around.

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 2018-02-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive taken the proactive approach into reviewing my Equifax, XXXX and XXXX Credit Report after the Equifax 2017 breach. Ive contacted Equifax and was advised via Equifax website ; Based on Information provided we ( Equifax ) believe that your personal information may have been impacted by this incident. I enrolled in the TRUSTED ID PREMIER which was offered by Equifax and locked my credit reports. I recently received a copy of my Equifax, XXXX and XXXX   credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NV
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:
***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 XXXX has not established a central portal for consumers to dispute errors*** I called XXXX  on XX/XX/XXXX XXXX dispute a medical collections added to my credit report from XXXX XXXX XXXX XXXX After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to XXXX on XX/XX/XXXX which was delivered XX/XX/XXXX ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/XXXX received by me on XX/XX/XXXX ) Indicating the debt was verified as accurate and the date was updated. 

XXXX did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/XXXX and their investigation response was dated XX/XX/XXXX ( 3 days )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: KY
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2020-05-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/29 I purchased a game for my son just prior to leaving him with my babysitter while I went out of town for the weekend. When I arrived at my destination, my credit card wouldnt work and I found out it was because my XXXX son had somehow charged {$980.00} onto my card through the XXXX  ( in app purchases ). I contacted XXXX immediately, after having the phone turned off and the game never played again, to let them know about this and requested a refund for all of it. They refused. I wrote them back explaining the scenario that somehow in the 15min window in which I put my passcode in, my son was able to continually purchase over and over and over. They didnt care, refused it again. I then called my bank, because of covid, it took hours to get a hold of the dispute department. After explaining everything, I was told by Chase that they take the stand with XXXX and that these were all authorized in their opinion because I chose to have my credit card information in my phone. I explained to them that I had no idea about this exception for the 15 min window, they did not care, asked if I had anything else they could help me with. Refused to do anything. 
I understand its my responsibility as a parent, to watch my child or have someone else who is capable to watch them. But one doesnt know this hidden rule that XXXX has and being responsible for {$1000.00} for in app purchases is absolutely ridiculous. Its so inappropriate to not even listen to what is going on. This was not an XXXX young adult, this was a XXXX XXXX XXXX who has no idea what he was doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have had a high interest loan with Netcredit.com, since XX/XX/XXXX. I have always had access to their website to review my account information. Payments have also always been made on a monthly basis. 

In XX/XX/XXXX, I started to notice that the website was down. Each time I logged in, I would continue to receive a message that stated " Whoops, something went wrong. 
Please try again. Or call customer service at ( XXXX ) XXXX. '' Since XX/XX/XXXX, I have had absolutely no access to my account information, yet Netcredit continues to deduct my account on a monthly basis for payment. I have called at least once a week, with only to be left on hold for over an hour - and only having an automated message to listen to. 

I have also sent them several emails thru their " XXXX '' email with no response. The first email sent was on XXXX, and since then I have sent XXXX emails asking for follow-up with no response. 

Since this loan company has essentially " disappeared '', I have contacted my bank and temporarily stopped payment until I have access to my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: CA
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 has been an ongoing issue since XXXX of 2018. 

I have a disputed {$450.00} Charge that I submitted evidence to justify the dispute. This charge is from XXXX. They did not provide the services paid for. They were to insure shipments, and didn't. I had to cover the repairs to equipment shipped. I have sent them e-mail transcripts, itemized bills, and they never bothered to process them until they claim XXXX. 

I have disputed this with Chase. I can not get consistent information from their executive staff who claim they had already credited this in XXXX. It now shows back on my card for XXXX, XXXX. This had been permanently cleared per my discussions with their representatives in XXXX. 

They now claim that it is too late to dispute. This comedy of errors is their fault due to misinformation, poor process control, and flat out false and misleading information by their people. 

They have allowed other merchants to charge my account utilizing cards that were blocked and replaced by their fraud team. Any attempt to rectify any of this is simply tossed from one department to the next. They seem more concerned that I recording the calls now than solving the problem. 

I need this {$450.00} removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BMW Financial Services NA, LLC
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 from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When paying for online services for some companies such as XXXX and XXXX you can only set up monthly recurring payments rather than pay for a year at a time. 
The timing of the charges is inconsistent and frequently is charged right before payroll direct deposits. 
When there arent available funds, Wells Fargo pays the company and then tacks on a {$35.00} over draft fee for transactions under {$10.00}. I have personally spent an hour or more in front of bank managers asking Wells Fargo to not decline authorization for these transactions when the account has insufficient funds. The Wells Fargo company policy specifically states that Wells Fargo reserves the discretionary right to decline these transactions. 
These arent critical services I dont want them authorized when there are insufficient funds. 
Not all vendors do this. If you attempt a recurring transaction on XXXX from XXXX and funds are insufficient the transaction is declined and service is suspended as it should be.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to 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 2020-05-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.

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 2019-04-26
Company: ERC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation