BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA Bank, XXXX XX/XX/2022, I booked a room at a resort, was charged {$420.00} to my card, After booking, they never sent me reservation info, no contact info my info was put in someone else 's name. When I looked on my bank to try to see if I saw a number The name of the company that I went through for the reservation was not listed, I found out there was another company, I immediately called them and told them I wanted to transfer and I told him the reason why, I that the room is in another name, I would not get my money back, and I would not get a credit. I immediately for my bank and let them know what was going on, The bank reversed to charges back to me, I waited for my bank to contact me but never got anything in the mail as I do not do paperless. I was told that I would get something in the mail within 14 days never received it, then I looked at my account and saw that the transaction will receive first back to the company. In my case was considered closed. I explain to the rep that I don't have PDF, and I don't have a computer everything I do is on my phone That's why I prefer they contact me by phone or by mail. Because of them I took the money from my account it causes me to have multiple XXXX  fees for transactions that could not go through I requesting they reverse to XXXX fees and I'm requesting my money we put back into my account. It is important of an individual says that they XXXX information be mailed to them that it be mailed to them. USAA Bank has not been very kind, there was an incident where I had a XXXX  loan and I was assigned a representative through them to help with my processing, The guy told me that I should go and buy my home through someone else and then come back and refinance through them because they just didn't have time to work with me. I continue to stay with my bank because my husband who was a XXXX and a XXXX XXXX  XXXX them so much and it's because of him that I don't close this account even though he is gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear PayPal Team, I am writing this formal complaint to address my PayPal account. I received a Personal Payment of {$250.00} from XXXX XXXX, after which I did not use my PayPal account. However, when I accessed my account on XX/XX/XXXX, I noticed that my balance was reduced to {$0.00}. Upon further investigation of my account activity, I discovered that PayPal has adjusted my balance due to the existence of additional PayPal accounts under my information that have negative balances. 

Furthermore, I noticed that PayPal had requested me to provide some information on XX/XX/XXXX, and someone has also submitted incorrect information to PayPal on my behalf. I am concerned that this situation indicates the unauthorized creation of accounts using my sensitive information. I can confirm that my identity has been stolen and is now being used to create additional PayPal accounts. I am open to providing valid identity documents and I am willing to cooperate with PayPal team to win this case and resolve the issues. 

Therefore, I am kindly requesting the PayPal teams assistance in addressing this matter. I would like to report the unauthorized account creation using my sensitive information and request that my balance and account be restored to their normal standing. Please help me in resolving this issue and prevent any further misuse of my information. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
M & T Bank charged over draft fees in the amount of {$38.00} on XX/XX/2021 and XX/XX/2021 totaling {$77.00}. I had direct deposits on the same days they charged me over drafts fees which covered my balances and I should not have been charged over draft fees. 
XX/XX/2021 direct deposit amount sent for {$50.00} XX/XX/2021 direct deposit sent {$42.00} XX/XX/2021 direct deposit sent {$60.00} M & T purposely held me direct deposits as the last transction on my checking account to arbitrage over draft fees. 
On XX/XX/2021 I sent an electronic communication via my online banking requesting my 2 overdraft fees of {$38.00} be waived which M & T did not respond or acknowledge my request. 
Also I never received a overdraft fee notification from M & T Bank via mail, e-mail or phone call.

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 2022-02-07
Company: Experian Information Solutions 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:
Pursuant to 18 U.S. Code 1028A, Experian has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Experian with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 adverse item of information, other than records of convictions of crimes which 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.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: GA
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: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.

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 2021-02-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have tried to contact coinbase with my issue over two dozen times. Their customer service is literally nonexistent there is no way to get ahold of them even with their phone number which just leads you to a dead end. I have never dealt with a company that is so nonexistent when it comes to dealing with problems in my life. I hope something is done about this because they are dealing with people 's money and in some cases lots of it. And if you have a problem regarding your money you have literally no option to resolve it because they do not respond ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, my mortgage lender company is Mr , Copper and in XXXX due to Covid-19 hardship, I had difficulty keeping up with my mortgage and I enroll in the program to stop payment till getting back to work and repay my debt. in XXXX My total year-end mortgage was {$11000.00} and I paid up to {$8400.00} and my Unpaid balance was {$3000.00}. 
in XXXX I total years-end mortgage was {$11000.00} and I paid up to {$16000.00} as per request and some point I called in Mr copper and report that I am getting charged over what I actually owed, and they do not have you directly talk to anyone they just take a report and sent it out to other departments to resolved the issues and do not give any email or confirmation number about the call, give you nothing at all so I do not have any proof of my call and that was the reasons that I called for, they just know about it and kept saying will be resolved in XXXX to XXXX hours and it is been going on and on and they kept asking for money by as of XX/XX/XXXX I have over paid them for {$1700.00}, I someone from Mr , Cooper who said that she is only one that I can talk to, and she at beggining had agrred that I paid up to a month of XXXX and later she changed her word around and when she found out that the mortage payment and i was making she deposited under the XXXX insted of mortage payment and made me to keep paying for mortage which I have already made. her name is XXXX XXXX this is a copy of now they are requesting another payment for the month of XX/XX/XXXX, I like to know where did go the mortgage payment I have made? why I can not ask for help but only XXXX XXXX XXXX. she is the one who made the mistake of taking my monthly mortgage payment and depositing under different locations. 
her email : Thank you for allowing me the opportunity to assist you today. 

I will be your single point of contact. 

My direct contact number is XXXX, please call me directly if you have any questions. 

XXXX XXXX XXXX XXXX XXXXrom XXXX A.M. ( XXXX ) to XXXX P.M. ( XXXX ) XXXX XXXX ( XXXX ) Executive Resolutions Team ( P ) XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2021-02-18
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XXXX XXXX XXXX PayPal has disclosed to my social security number through an email they sent which is very very disturbing. And I think PayPal needs to be investigated and I think the department of Labor needs to be contacted I just wanted to update I have created a support group online and I have tons and tons of people saying the same thing has happened that has happened to my account with PayPal as soon as I received my pua deposit for all my back pay which is {$6000.00} they have just all of a sudden and i did nothing wrong absolutely nothing wrong, they just come up with all these different excuses which they won't exactly tell me because I didn't do anything wrong just like they're telling all these other people they're just saying they can not do business with us anymore we can not use paypal and they're holding our money for 180 days I have so many cases that it's unbelievable and investigation needs to be done on PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The three reporting agencies ( XXXX, XXXX and trans union have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXX  Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXXXXXX XXXX Balance : {$380.00}

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 2021-02-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX should not be reporting to Equifax and XXXX  that I am ( 30 days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX XXXX and they assured me that no lates would report to the bureaus on this account. XXXX XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX XXXX to correct this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
FIFTH THIRD BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with FIFTH THIRD BANK. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with FIFTH THIRD BANK for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-06
Company: Experian Information Solutions Inc.
State: MO
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 submitted several disputes with Experian on the same matters and no matter what I say or what evidence I provide these items still remain. I have asked the alleged account owners to please provide me with PROOF that I made these accounts ( signature pages and a photo copy of my id ). These are HOSPITAL bills and as such it is a law that a photo Id be presented and COPIED at time of check-in. No one has provided me with ANY proof that I asked for. Also, several of these locations I have NEVER been too.

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 2023-08-07
Company: EQUIFAX, INC.
State: DE
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 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 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 explanation