BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.

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 2020-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-02-05
Company: EQUIFAX, INC.
State: NJ
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 have noticed multiple inquiries on my report that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed some fraudulent charges on my Chase Bank account, which the denied. 

I did not give anyone my card or my PIN number and my phone and wallet was also stolen. 

My Pin was the code to my phone so whoever stole my debit card already knew the code to my phone. I never shared my PIN number so they must've been someone I knew personally. 

The person has to be one of my old care-takers, my wife had to fire a few of them because they were caught stealing other things from our room in the past. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CLAIM # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I had USD {$3.00} as balance in my Paypal account and I decided to withdraw it, transferring that to my bank account ( already verified by Paypal ).

The transfer transaction was done by me on XX/XX/2018, according with Paypal it takes from 1-5 days to be the money in my bank.

I received an email from Paypal on XX/XX/2018 informing the money was being transfer and the estimated arrival was going to be in 1 day. 

I have called many times to Paypal costumer service and the answer was just wait that the money could enter to my account the next day. 

Today, it's been almost 15 day and I do not have the money in bank account.

I talked with the bank and they said they don't see any intents of transaction from paypal in my bank account.

Finally I talked again with customer service supervisor and she told me, that now she could see it was Tecnical Problems with the transfers made between XX/XX/XXXX and XX/XX/XXXX, and they do not know when the money could be available. 

Meanwhile I have to pay interest for that money and latefees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SANTANDER CONSUMER USA {$7200.00} XX/XX/2013 This debt does not belong to me the car was not mines the car was sold by the company i had no knowledge that the car was gone or late or was sold until i information was reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Spring Oaks Capital, LLC
State: OH
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:
On XXXX XXXX collection agency ( Spring Oaks Capital LLC ) add a derogatory mark on my credit report per XXXX  Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Spring Oaks Capital LLC ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
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:
My CHASE account was missing {$6500.00}. I found out when a check came back for insufficient funds in XXXX of XXXX. My branch researched and found that back in XX/XX/XXXX someone created an online Bill pay and took {$6500.00} without my knowing. The person also changed the mailing address for the account. All I was getting was my monthly credit card statement from CHASE ( VISA ) showing fully paid each month. XX/XX/XXXX XXXX was killing people over XXXX in in Florida and the stress was relentless In XX/XX/XXXX, I filled a claim ( # XXXX ) with my branch, and I got back the funds. Now today XXXX XX/XX/XXXX I received a letter asking for the money back. Reason : I should review my online statement every month. I did not get a statement and did not ask or created an online account. I've been a Chase customer for many, many years and paid off a mortgage with Chase over those years. Years before there wasn't such a thing as ONLINE banking. Chase had kept my money safe until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was coerced into signing up for a XXXX XXXX by a salesclerk at a XXXX store and I did. I signed up for the card and purchased to items with the card. However right after I purchased the items I returned to my residency at my university and therefore never received the card because it was sent to my home address. After a couple of months passed I received a call from Comenity Capital bank saying that I was overdue on the payment and therefore would have to pay XXXX which I did. 

A couple of months go by and I make another purchase at XXXX with my card ( though I still don't have the physical card so I have to use my phone number associated with it ). This time I make sure to pay it within a reasonable time frame so I can avoid the interest fees. However without a card I have to call to make the payment. I call to make the payment with a representative to make a payment, and then I am directed to a machine. The machine is unable to process my payment so I have to call back to speak to a representative to make the payment with the representative. The representative tells me I have a payment coming up THAT IS NOT DUE YET but I can still make the payment with her for a fee.I told the lady as there was no other option for me I did not think it was fair for me to pay a fee and she agreed to waive it ( though I was still charged an additional fee ). Now I am receiving calls from Comenity saying that I owe them a late payment fee of over XXXX dollars because my recent payment ( the one I was told was not due yet ) was overdue, and I did not pay it for 6 months so the interest accrued ( XXXX per month for 6 months ). This was not what I was told on the phone and now it is also my affecting my credit score. Please do something. I have proof that I paid the balances that I described in FULL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXX XXXX  Account Number : XXXX 2. Account : XXXX XXXX Account Number : XXXX 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2018-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went XXXX XXXX. It would not return my ATM card or checks. I immediately reported the incident inside the branch. The ATM was not investigated or taken offline. The 2 checks I deposited totaling {$890.00} were not returned or credited to my account. I complained to the CFPB. 
In response, on XX/XX/18 Wells Fargo told the CFPB it had issued me Monetary relief of {$890.00} for the 2 checks I deposited that were lost by and in its ATM.

Then four days later, Wells Fargo issued me a XX/XX/18 letter saying it is going deduct the {$890.00} ( it told the CFPB it had issued me as Monetary relief ) because it has been unable to locate the 2 checks I deposited in its ATM. This letter says that I need to have stop payments put on the 2 checks I deposited in its ATM, at my or the issuers expense, and that I need to have the 2 checks reissued. 

Wells Fargo 's ATM ate my deposit. Wells Fargo lost the checks I deposited. Wells Fargo is at fault but burdens me with the remedy. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

Is there no sanction when a Bank submits a false response to the CFPB?

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 2020-02-27
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX To whomever this may concern/XXXX, the XXXX XXXX   ; I am returning this XXXX XXXX XXXX  to you VOLUNTARILY. I have called CNAC, as you have instructed on numerous occasions, to update/change or modify my payment frequency from bi-weekly to semi-monthly. This car is valued at {$4000.00} if that. I have tried to get it refinanced, and you know no one will touch any of your vehicles being over-priced. As you instructed, yes, she ( XXXX ) stated that she can make the change, but why should she when everyone is on the same pay frequency. I am not everybody, I said to her. It is sad that XXXX/XXXX  even tried to make the attempt, by stating that he was pulling up the form to make the change, on Friday XX/XX/XXXX around XXXXXXXX He stated he would call me back with the updated numbers. He never called back to say yes or no. I made the payment arrangement in lieu of them modifying my pay frequency. When there are more than 3 months in the year that I will get an extra pay. I do not expect to keep paying an extra car note, against my will. I am paying almost over {$600.00} every other month or the months that I get an extra pay. I asked over and over. You do not want to help so take your car back. I refuse to pay another cent. 

This company is taking advantage of people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2017-09-12
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went to the university of XXXX from XXXX. I received private student loans from the AK XXXX XXXX XXXX XXXX. Years later, I ran into hard times and filed bankruptcy in XXXX. I had never made a payment on these loans because when the payment became due, it was way too much for me to pay. They were included in my bankruptcy as well anyway. I 've disputed these loans all year XXXX XXXX ) and have disputed them in the past to no avail. TN law states they have to be removed after 7 years anyway. They wo n't remove them. They lie and say I was late on payments in XXXX when I 've never made a payment. They even lied and are acting like they were n't included in my bankruptcy. Either way, please help me clear up their negative reporting that they keep doing month after month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This bank does a horrible job at processing disputes. I have a major dispute created XXXX against a company that has been scamming consumers out of money. I called in multiple times and emailed but no help so far. The dispute process is frustrating because I have to write in a complaint about the dispute to be taken seriously. I have proof that I tried contacting the merchant in several different ways - email, text, phone, and social media and never once got a reply. I have proof that I reported the business to the XXXX XXXX XXXX and to the federal trade commission over the fraud, but I haven't heard anything back from PNC. I sent over screenshots of other victims saying they got scammed too and their banks helped but mine is radio silent unless I report them to your establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I XXXX XXXX and my wife bought a XXXX XXXX, he the dealer XXXX XXXX XXXX XXXX and we had a bad situation with some legal things which violated our rights as a consumer. 

We sent the application online and thus receive some of the discounts and specials, and the interest of the promotion, Then we had an appointment with the seller to buy the car, which we did in about two days. 

The offer was about XXXX to XXXX dollars a month and an initial payment of {$3000.00} dollars, and the financing on behalf of my wife, after we went to the dealer they told us that they had to have, more income, which then XXXX XXXX was added Then they said we had to put XXXX dollars, which we paid, when they came with the approval, they gave us a 13 % interest paying {$980.00} dollars a month to 84 months, so I XXXX XXXX asked to speak with Toyota Finance and the manager He refused and said that I could not talk to the bank, I told him that because, as a consumer, I have the right to talk to the bank and fight that interest ... because the manager said no and I could not talk to Toyota Finance. 

I asked him to do a lease and they told me that they could not, and thus have a lower paid, and they refused. 

They did NOT give me the promotions and interest they currently have on the dealer 's website at 2.9 % APR for 72 months. They did not give me, they did not give me the XXXX XXXX XXXX Cash Offer of {$750.00} cash back. 
I think they did everything wrong here, just we pay {$980.00} to 13 % and for 84 months, it is an abuse of the manager and the toyota. In addition to behavior the unethical manager on some occasion. 

I want a lower interest as the promotion says, and the cash back offer of {$750.00}. And I ask for a contract review to be restructured with a new term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2022-06-15
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I closed all associated accounts with PNC bank after a stolen purse. The afternoon the purse was stolen, we put a freeze on all account and fraud warning were issued. The following day we opened brand new accounts. XXXX  days after opening the new accounts, a bank teller at a branch XXXX hours away gave the fraudsters access to our new checking account using our closed checking account checks. They then let the fraudsters drive away with {$2500.00} of our money. It is now going on XXXX weeks and no one has any answers for us as to when we will receive our money back. The customer service is horrible. The local branch has no answers, the territory manager has no answers, the XXXX people I have talked with at executive consumer relations has no answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money

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 2020-02-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. please remove them.

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 2018-11-07
Company: SLM CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found a hard inquiry from XXXX XXXX B that I did not authorize. It shows to have happened on XX/XX/18 but I received nothing from them nor have I ever communicated with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
Because of the Equifax data breach, my credit report information was compromised. Ive gone to great lengths to put security issues on my credit file, so if a credit application is filed, I am to be contacted to verify its for real, by calling my number. Now, since my information was taken, its back out on the market to anyone who can use it

Company response to consumer: Closed with explanation