BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

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 2016-10-26
Company: EVERBANK, NATIONAL ASSOCIATION
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Stellar Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to 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 2022-08-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-24
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.

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 2022-02-24
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have three loans with lendingclub.com. I had been making regular on-time payments until XX/XX/2022 when due to XXXX I hit a snag. I called Lendingclub.com and was able to cancel my autopay set up with them and set up a deferred interest only payment plan on 1 account. On XX/XX/XXXX, lendingclub.com automatically took out a loan payment. The same day I called them to again revoke my authorization for them to auto debit my account. Since then, they have attempted to debit my account twice ( once successfully ) without my authorization. They are stealing my money and are breaching their own contract and provisions with auto debit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There were 4 charges on my PayPal account to the same person using 3 of my cards that were saved on PayPal. I did not authorize these charges, certainly not sending money using credit cards. I do not know the person that I allegedly sent money to. 

I submitted a PayPal claim stating such, and it was denied and closed in a matter of hours. They claimed that they did not see evidence of it being unauthorized, even though I am claiming and TELLING them I did not authorize those charges. 

I have tried to get in touch with their customer service only to be greeted by robots and when asked to speak to an agent another automated message states they can not take my call and hang up. I have called all 3 customer service numbers. I was able to speak to an agent after being on hold for over an hour, for her to transfer me to a dead end and my call was dropped. 

I have messaged the askpaypal XXXX account with no answer. Messages their XXXX with no answer. As well as PayPals own message center multiple times with no answer. 

I have emailed them as well regarding the claim for {$470.00}, with no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19
Company: HOVG, LLC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. 
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. On my Venmo account, I'm informed the transaction went through and the money successfully was sent to XXXX 's bank XXXX XXXX. XXXXXXXX XXXX is informing XXXX that the transfer failed. XXXX sent me proof key bank is not allowing her to accept it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CNG FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XXXX, XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX XXXX through XXXX XXXX XXXX Two CRAs, XXXX  and XXXX  are listing 2 separate attempts from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX  lists the original debt as from ChecknGo, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This involves a company called XXXX XXXX. They provide internet services. XXXX XXXX has a package deal including their services. I initially signed up for that package because the only cable internet company in my area keeps raising rates because they have no real competition. The day of instillation comes, XXXX XXXX shows on time and does everything they need to do. I call XXXX XXXX twice confirming that they were coming, they said yes. 30 minutes after the projected time was over the technician calls and says he needs to reschedule. That, luckily, was my only day I could stay home. I decide to call both companies and cancel the XXXX XXXX half of the bundle deal. After a lot of headache I get it canceled and I decide to keep XXXX XXXX, since they already installed. Fast Forward about a year later I get a bill from a collection agency saying I owe XXXX XXXX XXXX. The collection agency says it 's " early termination fees. '' And they were fighting with me that I had a verbal contract to pay the money. XXXX XXXX is saying they paid that much to XXXX XXXX on my behalf. XXXX XXXX is saying they never received any money from them. All are blaming each other. But I do n't own any money. I never had any services from 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 2022-08-29
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2015-07-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions. 

Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments. 
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation