BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer

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 2016-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX 2016, I was made aware through credit reports and an application for a PLUS loan that my personal information was fraudulently used to get student loans ( XXXX, XXXX XXXX ) without my knowledge or consent. I reported that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. The following accounts appear as a result of identity theft. 
XXXX XXXX XXXX-student loan account number unknown XXXX- student loan account number unknown CALIFORNIA FEDERAL COURT XXXX COUNTY/RECORDER OF DEEDS I also requested Experian to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires XXXX to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Experian informed me on XXXX XXXX, 2016 of the dispute results and that they are waiting 30 days for the Companies to respond. Experian did not acknowledge nor process my request to BLOCK the information within 4 business days as required by law ( section 605B of the Fair Credit Reporting Act ).

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 2015-05-20
Company: Webcollex, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-05
Company: BANK OF THE WEST
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: First Data Corporation
State: FL
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:
around XXXX XXXX i noticed my XXXX account was being deminished by XXXX XXXX ... all my va  XXXX money being wiped out of my XXXX XXXXccount by XXXX XXXX. the total amount in the end was XXXX XXXX ) that was stolen by XXXX XXXX. upon further investigation someone had been ordering products using my XXXX account that was saved in my XXXX XXXX account. contacted XXXX and XXXX stated someone did compromise my account and ordered products total of ( XXXX ). it has now been three months, XXXX assuring me i would receive a refund, and i have still yet to receive a refund. the only thing i have received from this is a lot of fees and headaches. i spent three months calling this company and XXXX states you need to call telecheck ... call telecheck and they state you need to call XXXX please assist in this matter as i am a XXXX veteran and i use my XXXX check for my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This involves a fraudulent sale ( scam ) enabled by PayPal. 
My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and PayPal. He then arranged for XXXX to ship them from my location in California. 

They were allowed to ship shortly after the payment cleared PayPal ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by PayPal until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 

Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. PayPal notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, PayPal informed me that the Buyers bank/ credit card company had sided with Buyer and my PayPal account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the PayPal Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the PayPal collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called PayPal collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 

The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. PayPal refuses to either pursue a remedy with, or release the name of the institution used by Buyer. PayPal, acting in bad-faith, has apparently washed its hands of this matter. 

Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 

Additionally, I have filed a Police Report regarding this fraudulent sale ( theft ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.

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 2020-06-20
Company: Advantage Credit, Inc.
State: VA
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've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through XXXX XXXX XXXX I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX CARD XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: CO
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 past month I submitted a dispute of student loan payment " late 's '' which were in XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. This was clarified and is accurate. 

However Experian added prior " late 's '' to my report which were past the seven year deletion rule. They added seven late 's prior to the XXXX  ones. 

Experian 's own information supports this contention.

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 2022-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXXXXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error

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 2022-07-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act 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 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 2016-03-10
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon!

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 2022-07-22
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 have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.

Company response to consumer: Closed with explanation