BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: First Data Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ic systems never sent any debt verification to allow me to dispute as I have never had 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 2016-01-23
Company: PROVIDENT FUNDING ASSOCIATES
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. Please 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 2022-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
These inquiries all fraudulent. Please investigate and remove from my reports 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 explanation
Consumer complaint received 2021-04-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. 

PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. 

Please note, PNC did not contact me re this. 

I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. 
That night, I contacted the Police, filed a police report # XXXX. 

I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX  XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Specified Credit Association, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. On XX/XX/XXXX I was notified by my XXXX  app that ( XXXX  XXXX ) been re-inserted into my credit file. Also this erroneous debt is being reported on my Transunion credit file under XXXX XXXX  XXXX # XXXX You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with XXXX XXXX XXXX XXXX XXXX  I have never done business with this company. I am not liable for collection from this debt from XXXX XXXXXXXX. I am not responsible for this debt from 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 2022-04-11
Company: Experian Information Solutions 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
Not my accounts showing on my credit report

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 2016-12-18
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
For the last 6 years I have had late payments reporting on my credit report from Student Loans from ACS/Wells Fargo/US Dept. of Ed. My loans were in deferment because I became very ill and was unable to work. I have disputed it multiple times through the credit bureaus and I get no results. After I received my doctors said I was not going to be able to return to work I filed for XXXX. I also while my student loans were in deferment filed for my student loans to be discharged based on XXXX XXXX. Which was approved! I have XXXX loans reporting that I was late 60 days late 1 time and 90 days late 3 to 5 times?? I was never 30 days late though.

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 2016-03-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was notified on XXXX/XXXX/2017, that due to me using the overdraft protection that capital one 360 had decided to close my account. At that time. I explained to them that I had a direct deposit coming into the account. They said no worries that as soon as the deposit came in for me to call and they would transfer the balance to my. External account with the credit Union. today is XXXX/XXXX/2017 and I still have not received my money. I call every day and im rudely told that it will be there the next day and as of yet it has not happen. I have been inconvenienced to the highest level. I need my money as I have requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a small DJ business that i run on the side for some extra money. XXXX XXXX hired me to XXXX her daughter 's graduation party. I have a signed and dated contract with XXXX that I've sent to paypal showing that we have business together and both parties agreed to do business through paypal and for the amount disputed. XXXX attempted to pay me through paypal. She frivoulsly typed in XXXX XXXX and paid {$370.00} to the first name she saw. It was not me. XXXX and I conferenced called PayPal to notify them what had happened. PayPal did nothing. The person she sent the money to gets to keep the money and Paypal took no action practically laughed it off. XXXX then sent the money to me a week later through paypal. Paypal without notifiying me took the money out of my account and sent it back to XXXX. I have not been paid yet and its now 3 months later. So some guy that didnt do anything got {$370.00} and my customer got free DJ service. I did 10 hours of work and have got nothing. PayPal went into my accoutn and sent XXXX {$370.00} just on their own accord. I've been ripped off despite doing the work, XXXX gets free DJ service and some other guy named XXXX gets a free {$370.00}. Despite BOTH XXXX and I calling together to notify PayPal what had happened they still gave the money to the wrong person, stole money from me and gave it back to the customer even though I am the only one out of the group who did the work and deserves the money. PayPal refuses to reverse the transaction and has done nothing to rectify the situation. I have yet to get paid and the other guy and XXXX made off with the money. PayPal stole my money and sent it to XXXX. In XXXX stole my money and gave it to some stranger for work that I had performed. I am furious. PayPal refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. I have NEVER used the name XXXX XXXX without adding the XXXX as my middle initial and it should have never been added to my credit report without the XXXX This is a fraudulent, erroneous entry as I have Never used that name. The ONLY name that should appear on my credit report is XXXX XXXX XXXX. On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail. I submitted a complaint to the CFPB on XXXX and as a result of that complaint, on XX/XX/2020, Experian again refused to remove the erroneous name from my credit report and Experian LIED when they said they were forwarding me a copy of my credit report! On XX/XX/2020, I received their latest letter refusing to remove the erroneous name from my file but Experian did NOT send a copy of my credit report as they had promised to do. Why doesnt the government take better control of these egregious credit reporting agencies and stop them from adding erroneous and fraudulent information to peoples personal credit information.

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 2020-03-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted XXXX  and XXXX  regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Account # XXXX I have called the creditor ; GM Financial at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. I sent a letter explaining the late payments 2. The account is closed 4. The car was totaled and I no longer own or have After XX/XX/2022. Please remove from credit reports. I spoke with XXXX the supervisor. He stated that if he did it for me, then he would have to do it for everyone else. So, it was made clear, that GM could delete the account, but they just don't want to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint because I have a collections that is inaccurate. The internet devices were already return so XXXX cant be charged for what I don't posses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My identity was compromised in XXXX of 2021. Subsequently, I discovered an erroneous XXXX  XXXX XXXX reported on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, LCI " LUNDQUIST CONSULTING INC. '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX XXXX XXXX is seriously hindering my credit worthiness. I DEMAND THIS FRAUDULENT BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!

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 2020-09-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Changed my address with usbank ReliaCard on XX/XX/XXXX, they in turn locked my card, without telling me. I called on XX/XX/XXXX, was told to fax drivers license and change of address card, I did, called again on XX/XX/XXXX, was told too dark refax I did, called again on XXXX was told it takes 5 days to read fax, I waited, called again, was told it takes 7-10 business days to read fax, I wIted till day 10 ( when I received a letter in mail from card services in XXXX Fl saying change of address was processed on XX/XX/XXXX ) they told me we still need to read fax, it could take 7-15 businesses days. Here I sit, 19 days later with no access to my funds. They did not protect me or my account when someone changed routing info back in XXXX and stole XXXX dollars from me, but they lock my card because I change addresses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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:
For full details, please refer to the XXXX XXXX, 2020 letter to TransUnion with supporting attached documents.

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