BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a personal check amounting {$1700.00} through online banking after doing that Citibank blocked my account. This Happen in XX/XX/2023. Ive been trto resolve this 2 months now this is my second complaint through this agency. The first complaint I was told that theyre going to close my account and within XXXX days I will receive all the funds thats in my account but I only received {$25.00} which the amount that I put in to open the accounts I didnt receive the money that I deposited which is {$1700.00}. I tried to contact customer service I spoke to multiple agents theyve been transferring me to different departments all of them are telling me the same they can not release the funds to me and and advise me to contact the XXXX XXXX to file a dispute. I had a 3 way call with the check XXXX and his bank and they said that they cant stop the payment nor dispute it because the check is already been cashed into my account which I have no access to it. So the other bank cant do anything in their end because it is not a fraud check and a legitimate check But Citibank is not willing to release the funds to me or return the funds to the XXXX XXXX I requested Citibank to just return the funds to the XXXX XXXX but they are not taking an action and keeping my money. Citibank is not helpful at all theyre not giving me other options. Even their executive department told me to request the XXXX to file a stop payment or dispute thats the only option theyre giving me but I was already told by the XXXX XXXX that they can not do that. So I dont know what to do now. Even their Executive department is not willing to help me. All I want if they cant release me my money is to just Return the funds to the XXXX so they can pay me in other way instead. I am willing to provide a verification of the check from the XXXX XXXX  if its needed. I really need help. I deserve to get 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 2023-10-23
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 {$450.00} I did not give this company to use my information to open up this account. 
The company also fraudulently sold my accounts to a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all XXXX credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX BANK # XXXX Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from. 
This is Federal Law. It looks like yall are not following the Federal Law to me

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 2022-10-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX Account number XXXX I just recently filed an Identify Theft my information came from XXXX XXXX this fraudulent account was not on XXXX XXXX I didn't realize it until I checked my Experian account I thought I had a freeze with all 3 credit bureaus so I am baffled how these fraudulent accounts are getting through

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I recently sold some of my investments with coinbase.com and received the money through PayPal. Paypal is a service that I used to transfer the money to my bank account. The money XXXX was sent to PayPal and everything was fine but when I tried to use PayPal to send the money to my bank account PayPal would not let me. First I tried XXXX and it was denied then i tried XXXX and it was also denied. Then I received a text message asking if I was the one who authorized this withdraw and clicked yes but still they would not let me process any money and they even put my account in a limitation status ( meaning I cant use it for anything but receiving money ). I then called them And they asked me to submit private information online like bank statements, my social security number, proof of transactions and proof of address. I submitted everything and was told a decision will be made in 72 hours. After 24 hours a decision was made to close my account for the safety of PayPal and that my funds will be released in 180 days. I understand that they closed my account but holding my money for 180 days when I have done nothing fraudulent or wrong is a abuse of financial power. I have children, bills, rent please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: National Credit Systems,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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX  tried to illegally 5 day evict me in XXXX. My attorney, Ms. XXXX, and I went to court and fought it on XX/XX/XXXX. Case # XXXX in XXXX XXXX County. Since the eviction paperwork was done wrong and served to me wrong, the eviction was tossed out. No money owed and I moved out within the time frame. They are now illegally placing incorrect information on my credit report stating I owe them {$1700.00} dating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 periodically review my credit report and axcess-financial/check n go appeared on my report. I previously requested a validation of debt but didn't get it until I filed a complaint with the XXXX regarding the matter and requested a validation of the debt. The company alleges I took out a payday XX/XX/XXXX in the amount of XXXX and paid XXXX before it went into default and was charged off XX/XX/XXXX, then sold to XXXX XXXX XXXX XX/XX/XXXX. Some areas of the documents are not initialed or signed, some of the amounts are incorrect or missing and I attempted to go to the location on the document to speak with someone in person because I don't recall this debt but there isn't a check-n-go business present. I received a notice in the document stating " This letter is an attempt to collect the debt described above '' but the letter itself states " Check 'n Go is not a collection agency or a debt collector ''. 

It shows in the installment Summary displays an ACH Return XX/XX/XXXX ( 2 years after the alleged debt was written off ), Past Due and Open. 2 years later XXXX was added 9x with an additional XXXX totaling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: OPTUM BANK, INC.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I call Optum Bank the bank provide the card I put every monts many in the card my company I work put same many but I call the bank I see transaction suspicios and the bank say the bank reemplace card this accion i do 3 mont ago end recibing card the same nomber have complain in i call secontime say the card is the same i have and bank say make mistake end resend new cards but the no recibing card and tray to speack againg no attended not have nating information and close my account and have many in the card i dont no wats i need to do thank you. I am sory for my Engles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account information incorrect

Complaint:
The company can not provide proof that a debt was owed. Never signed a contract with a debt collection agency. Debt agency has also failed to provide transunion with a signature contract that i have with them to prove that i owe a debt.

The account is also only showing on one credit report which is also a fcra violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized charge on my card and care credit allowed the charge.

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 2023-10-23
Company: ZuntaFi Corp
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Zuntafi contacted me about an alleged student loan debt. They reached out through an old address. I responded within 30 days of receiving the letter and sent Zuntafi a certified letter requesting validation and disputing the alleged debt. Zuntafi did not respond within the five days allowed. Zuntafi did not provide me with competent evidence or explain why they could not provide the requested information. Zuntafi has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g- Failure to validate this alleged debt. Zuntafi has violated other rights as well. As indicated in my attached letter, a follow-up letter was sent demanding that Zuntafi stop contacting me. Zuntafi agent XXXX called using the phone number XXXX ( XX/XX/2023 ) and left a voicemail. She has since sent me an email as well. I have received a new statement despite my insisting that without proper validation and providing competent evidence, Zuntafi stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email stating that PayPal has permanently suspended my account. I have searched and found out that there are no options for account restoration available to me through PayPal 's website. There is is no explanation whatsoever for why is the accounted suspended by paypal. Immediately prior to being suspended I was selling on XXXX  with a 100 % positive feedback from buyers. I also recently purchased a XXXX  XXXX  XXXX  of XXXX of XXXX XXXX XXXX. My Supplier has shipped the order to the customers already but my funds are in HOLD in paypal. I'm unable to pay the supplier now, which is heavily negatively effecting my reputation as a seller on XXXX  and the relation with the supplier for XXXX business. 
Along with the account suspension my funds are on hold for 180 days. Evidently, This includes the ability to pay my suppliers to ship the pending orders. It will lead to angry customers making charge backs. It will cost me big. 

Paypal Case ID ( Ref ID - XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: AR
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:
I am writing to formally register a complaint regarding the fraudulent items on my credit report. I have made several attempts to resolve this matter through your customer service department without success. 
I first noticed these unauthorized charges and since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. Please assist me to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
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 am submitting this CFPB Complaint requgarding ther fraudulent accoubts that I have been trying to have removed but up until now, you have done nothing. Let me remind you that under the Fair Credit reporting Act section 605b, you are expected and required to remove any accounts and information that resulted due to identity theft. Also, I have been sending dispute letters with complete attachments of my personal identifying documents as well as the FTC Report I received from the FTC. I have been waiting for you to respond to me letters but I received nothing! You have not provided me with copies of documents supporting your claims that the disputed items belong to me, and yet you continue to report these accounts as if they are verified. In accordance with the Fair Credit reporting Act section 605b, I need you to remove the following accounts off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019. Your inability to respond to my letters or provide me with copies of proof of verification with these accounts should have resulted in the deletion of the disputed accounts off of my Credit File.

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 2021-12-14
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was checking my credit report when I saw that it said I owed {$75.00} on an auto loan by KeyBank. I have never heard of this company. My auto loan was taken by XXXX and was closed in XXXX of XXXX. It is now XXXX and KeyBank has reported to creditors that I owe {$75.00} and have XXXXmissed payments. Never once have I heard of this company. Again my account was closed with XXXX and I never heard of KeyBank. When I called first they never heard of me, have no records of me. Then I call again after I gave some information and they tell me I owe fees that were waved by XXXX. Then I was told they see notes that the fees were waived and they will waive the fees as they should have been. Then I call back again because now there is a lien on my vehicle and they tell me I have to pay fees and interest. Again never heard of this bank until nowXXXX! I been closed this account and they are saying I owe this money. One : I was never contacted by XXXX  ( also I asked what is my payoff amount and I paid that in full ) .Two : I never even heard of KEYBANK until this year XXXX!! XXXX was an awful year since its when I lost my mother. Now I have to go back and relive that year because this random bank is ruining my life for {$75.00}. A bank that never even heard of.

Company response to consumer: Closed with explanation