BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, it came as a shock to me when Paypal banned my personal accounts under the suspicions of fraudulent activity which I believe has no basis since I'm the only authorized user and owner of my verified accounts, because I transfered {$780.00} from the Paypal I created in XXXX to the one I use here in XXXX and spent it shortly after, it was marked as a risky transfer. I was planning to transfer all my funds here since I can't use the account I created back in XXXX. I'm XXXX citizen and I'm currently residing in XXXX, and thus I can only use one account and no longer wish nor intend to use the other since I'm no longer physically present in XXXX nor can I travel there due to XXXX travel restrictions in XXXX. 

I have been using Paypal since XXXX. I created my Paypal account here in XXXX since XXXX and was planning to transfer all my funds from the one in XXXX to the one here in XXXX so I can spend money and shop online, and send to family and friends. 

The permanent limitations will greatly impact and hurt my chances of getting paid as a freelancer in the future since most platforms where I am registered at require PayPal, also it will cause me a financial loss, block me from receiving money from family and friends abroad, and from sending to them as well. I have a sibling who is XXXX citizen living in XXXX, and planning to send some money to her next year. Also it could prevent me from shopping online since the better security Paypal offers when shopping online gives PayPal my full trust and makes it my main chosen method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In the late spring of 2016, about a month before getting ready to celebrate paying off my car loan, after six years ( last payment was to be made in XXXX of XXXX ) I received a letter from the bank telling me that I owed an additional {$600.00}, a total of a little over $ 900.I was in shock. I wanted to know how this could possibly be. I found out that it was some kind of compounded principal that I owed from putting the loan on hardship deferral a few times which was completely allowed. However, I was never told to expect this and they demanded the money in a month from XXXX or it would go on my credit report. I had just coincidentally got laid off from my eight and a half year job. I fought and fought this to no avail. They would not reduce it either. I told them that if they did not do something and it ended up on my credit report, I would never pay it. They marred my report and as promised, I did not pay it. I could not believe however, that this bank was still holding my title, stubbornly all these years. Finally, I had to get rid of my car which unfortunately broke down. I wasn't sure what I was going to do but in the interim, I was in touch with the Department of Financial Services. I spoke with them at length about this case and they investigated over at least a year. An expert there told me that the bank could not sell this to a collection agency or " write off '' the debt or they would have to give me the title. Of course the bank knew this. As said, I had no choice, in XXXX to get rid of the car as unfortunately, the transmission went. In order to junk this car I needed the title. I settled with them for {$150.00}. I guess that might be considered okay after three years but when I recently looked at one of my credit reports ( I believe XXXX XXXX ) it clearly states that the debt was charged off and " written off. '' It clearly states this and I am pretty sure that it was on there before I settled. So, they did write it off? If that is the case, then they were supposed to release my title and I never should have paid them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case number # XXXX account # XXXX I was billed for a purchase on XXXX. the purchase was cancelled and the merchant was suppose to return the money like they did with the other charges that were cancelled. around the same time on the same card. 
Capital one was the credit card issuer. I have received nothing for this charge and informed capital one to dispute the charge. but for some reason capital one is not disputing any charges. I turn over a lot of evidence for the various charges and capital one always comes back even when the merchant does not even dispute the charge back, with, '' we need more information '' and because i did not provide the information they were asking for they repost the charge to my account and expect me to pay for something i did not receive. I am really getting tired of dealing with them and fighting them so many times for a charge back. that is very easy and legit. 
I want CFPB to fine capital one or refer capital one to a government agency which has the power to fine them. I have reported it to capital one with in the 180 days I am aloud to and even with a not received merchandise charge back there is no time limit.I am a XXXX  also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-02-26
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. 

PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, XXXX, TransUnion, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the 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 2019-05-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is with Navy Federal Credit Union. I paid the settlement about to settle the account but on my credit report it still says I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 Midland Funding added a derogatory mark for {$810.00} on my XXXX, XXXX, XXXX  credit reports. Upon further research, this account was trasferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there were NO written form of 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's mines. According to the FCRA ( MIDLAND FUNDING LLC ) Has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: IL
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:
MISLEADING AND FALSE INFORMATION i have inquirys on my credit report that i didnt do XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 i have a letter for my XXXX  XXXX bankruptcy its been dismiss they did the paper wrong I reviewed a copy of my credit report and didnt unauthorized credit inquiry on me on I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below XXXX XXXX XXXX XXXXXXXX Illinois 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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I started seeing inaccuracies on my credit report with dates due to my bankruptcies that's not being reported correctly due to transunion depending on a third party for accurate reporting with is XXXX so I ask them to delete and they using the computer generated system to keep telling me it verified as accurate and i know its not true because i have the actual documents from my bankruptcy and two of the bankruptcy I never went to court for and its stopping me from buying a house and new car, because it's showing 3 instead of 1 that been discharged. XXXX took there inaccurate information off. 

Complaint is against Transunion XXXX XXXX XXXX XXXX pa XXXX Start of disputes started 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 2023-05-30
Company: EQUIFAX, INC.
State: TX
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my home and I was charged {$30000.00} pre payment penalty. I've had the loan since 2018 and only had a 2 year prepayment penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from credit collection services regarding a debt of which I was unaware. Id like to submit payment now via the payment slip, but there isnt an address provided, a return envelope, or an option to pay online. Can you please advise? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2023-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief