BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 at XXXX XXXX, I received a text message from XXXX XXXX, an XXXX  Mastercard administered by Wells Fargo that an XXXX charge for {$15.00} had been attempted and declined. When I called the fraud department, I was either ( a ) told that I had no account with them associated with the phone number I called in from, even though they were the ones that messaged me ON THAT EXACT NUMBER or ( b ) put on hold to speak to a representative and then the call would would never connect to someone in their fraud department or I would be transferred to the incorrect department. I am currently unable to reach any person at Well Fargo after they messaged me at XXXX in the morning regarding a charge I did not do as I was home. 

Well Fargo already has a trash reputation after committing criminal fraud when opening up accounts illegally for people without permission and they are now precariously close to having a formal complaint filed to MasterCard for violating the card holder agreement and not properly connecting a customer to the fraud department for unauthorized use of their card.

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 2021-10-19
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not sure where the debt came from because I have never had a bank account with XXXX XXXX XXXX XXXX. I went to a branch that is about 45 minutes away from me and they could not help me. According to them they could not find an account in their system that bared my name or social security number. That said, The XXXX XXXX XXXX XXXX unknown/fraudulent collection accounts on my credit. I have reached out to them and I have not heard back but they verified the accounts belong to me- the don't!!

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 2023-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; XXXX On XX/XX/2022, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 observed numerous inconsistencies and inaccuracies among the 3 consumer reporting agencies furnished reports when compared across the board. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr TRANSUNION, it shows that there's 2 LATE PAYMENTS. 
XXXX*Then under XXXX , it shows that there's only XXXX XXXX XXXX*Yet, under XXXX XXXX it shows that the account is aready CURRENT.

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 2023-01-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Following is the email I sent the XXXX  of Fifth Third Bank. No response from the bank. 

XXXX XXXX I know you are busy. Having led a business for many XXXX before retirement, I don't often write XXXXXXXX XXXX. 

I deposited XXXX XXXXXXXX with your branch in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The check cleared my bank in XXXX XXXX XXXX XXXX. I needed access to those funds while in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Banker told me there would be no issue getting access to funds via a cashier check anytime I needed .... " just come to the bank ''. 

I returned to the bank on XXXX XXXX and was told my account was " on hold '' until XXXX XXXX and to take a screenshot and send proof the check I deposited had cleared. And " holding '' accounts for this amount of time was common practice. I sent the screenshot. Your banker didn't reply because he left early for the XXXX The next XXXX there was no response so I called the XXXX XXXX and was told the banker would call me back in XXXXXXXX XXXX No call back. I did receive an email from the banker indicating funds were still on hold. 

XXXX XXXX I spoke to XXXX of your phone reps and was told my funds were still on hold until XXXX XXXX for " confidential '' reasons ... .. what? I'm a retired XXXX XXXX. XXXX and a successful business owner as well .... Why would my funds be on hold for a check that cleared my bank XXXX XXXX XXXX? Why wasn't I told about this process when I opened the account instead of being promised immediate access via a cashier 's check? 

This experience has been horrendous across-the-board. 

If this is how preferred clients are treated I hate to XXXX how your bank associates deal with " non-preferred '' accounts. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: MN
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:
Experian is refusing to delete a fraudulent lease debt from my credit report. They also continue not to throughly investigate disputes, if they had they would be aware that this fraudulent activity was removed/Expunged from public record as well as Experian databases in XX/XX/2018. Which was a direct result of me taking the Debtor to court and winning my case. I have sent uploaded official documentation from the housing court stating there are no adverse lease judgments against me nor has there ever rightfully been. Yet, Experian has made no attempt at removing this false and fraudulent 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
DELETE THISES INQUIRIES 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 2023-08-09
Company: EQUIFAX, INC.
State: NE
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi there I have citizen bank account savings and checking through the acquisition of XXXX XXXX by citizens. I am resident of XXXX XXXX and the bank has no branches here. 

I have been trying to close my citizen bank savings and checking account for many months now to no avail. I have been on the customer care line of the bank for hours many times but no one answers. The only option on the website is to visit a branch. This makes no sense to me. I have no means to close the account. 

Please help me in closing the back accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Ive tried repeatedly to enter disputes on TransUnions digital portal. This was the o only option I felt I had since Ive tried sending supporting documentation by mail and TU denies is has been received. Attached you will find a billing statement dated XX/XX/2021 for XXXX Loan # XXXX. TransUnion is reporting this account as 120 days past due. This billing statement shows the balance and status and paid in full. I want my report updated immediately!

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 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
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:
I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied XXXX XXXX XXXX XXXX from American Express on XXXX XXXX this year ( XXXX XXXX and they gave me an new launch offer. With this offer, I can earn XXXX XXXX Bonus Miles after spending {$3000.00} in purchases on my new card in my first three months of Card Membership. And I can earn XXXX Bonus Miles after my first anniversary of Card Membership. I completed the purchase of {$3000.00} on XXXX. XXXX this year XXXX XXXX ) and it was within the time limit which is three months. I still have NOT received XXXX Bonus Miles now. 
I have contacted American Express via both message and phone call on XXXX. XXXX XXXX and they told me that my bonus was declined but didn't give me any certain reason. The message told me the reason might be I had opened Hilton Honors Aspire Card   from American Express and this was partner card with XXXX XXXX XXXX XXXX   And the phone call told me he would contact manager to give me certain reason. However I still have not heard back from American Express today XXXX XX/XX/XXXX XXXX. I have read the terms of card offer again and didn't find any reason that may cancel my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # 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

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 2023-05-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX  XXXX Balance : {$43000.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  XXXX XXXX : {$38000.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Capital One XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. XXXX is not correcting this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent Experian letters dated XX/XX/XXXX and XX/XX/2018 asking them to remove Regular inquiries no authorized by me and Public Records not verified by the Bankruptcy court. I spoke with a representative from Experian on XXXX-XXXX-2018 that stated that my letters were not valid.

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 2023-10-10
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:
I filed FTC report due to inaccurate/unauthorized accounts/inquiries on my report, nobody would help 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 2023-05-08
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Type : Charge Account Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief