BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has held my funds again. They are holding my funds and not telling me what the reason is. We had an issue weeks back and now again, theyre holding my funds against my will. They are saying that my traveling has flagged my account and never told me that this would happen. I called and they said that they had to clear some errors. They cleared the errors and they said to try the attempt again. I did, and it didnt work. This then extended the time that i can try again to 48 hours. I have done nothing wrong other than travel which i told them. My funds are held and Im now stranded across the country without access to my funds. They keep pushing back the date in which i can access my funds, but theyre the reason it is extended further because they told me to attempt the transfer. Im just trying to make it home, and me and my XXXX kids are without access to our hard earned funds. AGAIN after they pulled this similar activity in XXXX. I knew i should have stopped using the service as their arbitrary rules are not designed for us to take advantage of. This is an intentional abuse of power. They released a transfer already, and now all of a sudden Im flagged because Im traveling. They didnt call me or email me to notify of an issue with my account. They say that due to me continuing to try and access my money, it locked my account and they have no way to assist. Although they told me to try to withdrawal while they were on the phone. I spoke with so many people and their suggestions have now rendered me helpless when it comes to the accessing of my funds. I never was notified because they didnt notify me. To say the activity is due to suspicious activity, but not once notify me is wrong on so many levels. What if someone really was trying to access my account? Now theyre saying they wont tell me when that happens? I find that hard to believe because the times in which there has been suspicious activity, i was notified. Now that i need my funds again, they wont notify not allow me to use my funds that were made via legal activity and business. With so much fraud happening, youd think theyd assist better with that, as opposed to ruining the businesses of hard working Americans DURING COVID!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( 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 2022-05-02
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-04-02
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good afternoon evenjng I, as well as many others, have been affected by the lack of communication of Chime Bank regarding our stimulus funds. I received an email from them on Saturday stating they had received a payment towards my account from the XXXX  and I needed to submit documentation ( ID and XXXX Tax Return ) in order to verify this funds belonged to me and they could be released. The email also says if I did not respond within 24 hrs the funds would be sent back to the XXXX. I sent them the information requested and as of today I have not gotten a straight answer from them regarding the funds. The XXXX get my payment states I should be expecting my funds today XXXX XXXX.The total of my stimulus is {$5600.00} On calls I made to them on Monday they stated they could not see any money pending on my account ( even though I havr proof the email says they do ) and directed me to the get my payment tool even when I told them I already did and my funds should be there by the XXXX. I also received an email saying it takes 2 bussiness days to verify documents and to wait for a resolution within those 2 bussiness days. On Tuesday they told me they were still verifying but they could see my funds on hold pending the verification and I should expect a resolution Tuesday at the end of the day, if I did not see anything by today then give them a call again. 


Today ( Wednesday ) I called and got 2 answers. One was that they were still " verifying '' the information and they were sorry it was taking so long, that they could not promise I would get my funds today ( even though the XXXX  had it to be released today and they have been having my funds since Saturday per the email sent to me ) that I could get them today or tomorrow, maybe. The other answer was that the documents were still being verified and that she could not see my money as pending that the staff on the phones can not see any money pending only the staff that works with the email part ( but she was able to see my emails though ) regardless of me telling her 2 other representatives assured me they saw my funds and even told me the funds were from the stimulus payment and not the tax refund. 


I am not the only person with this issue and all they do is ignore you if you try to communicate through the app, they open a ticket and close it as resolved even though they never respond or they give you the answers I stated above if you happen to be able to talk to them on the phone. We need help, I personally need this funds my husband is XXXX and so is my son and them holding onto our funds with no explanation is absurd. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was at a local XXXX to get gas on XX/XX/2021 at approximately XXXX XXXX central time. I put my CashApp card into the pump and entered my pin. Before I could lift the nozzle to pump the gas, the electricity went out at the store, inside and out. I never got an opportunity to pump gas. I went into the store to speak with the manager on duty. She informed me she could not print a receipt because no transaction took place. She told many bank would refund the money. I reached out to CashApp several times and after approximately six months and several delays they still have not refunded the {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CITIZENS FINANCIAL GROUP, 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:
Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reported Suntrust to CFPB a few weeks ago for invading my privacy by sending strangers to my home for no reason. The complaint ID for my complaint is XXXX. The response was laced with misinformation and flat-out lies. I also wanted a response as to why SunTrust decided to only grant XXXX  months of forbearance when I requested 6 months. As such, I sent several emails to the rep that responded to the CFPB 's complaint, called SunTrust, and requested to speak with the person who is tasked with managing my account during forbearance. However, I am yet to receive a response from either one of them. 

I contacted the bank again a few days ago after receiving a statement that shows {$12000.00} due by XX/XX/XXXX XXXX see attached statement ). On this statement, you will also see several {$20.00} charges ( the rep stated she was going to address this in her response to my previous complaint ) for " home inspection. '' My monthly mortgage payment is XXXX. I have not paid since XX/XX/2021. Therefore XXXX XXXX = {$11000.00}. According to the Cares Act, no additional fees are supposed to be assessed against a loan that is in forbearance. To date, no one is willing to speak to me to address this issue. What is the reason for the additional {$1600.00}? 

In her response to the complaint ( XXXX ), the agent stated no one should be coming to my home since the account is in forbearance. Why are they still coming every month? In my previous complaint, I asked SunTrust to cease and desist ( even delinquent accounts that are not in forbearance can ask banks to cease and desist in-person visits ) but this has done nothing to stop SunTrust from sending people to my home, peeping in, taking pictures through the blinds, and walking around my home. 
At XXXX this morning, XX/XX/2021, Suntrust sent yet another agent to my home, peeping in and taking pictures through the opened blinds, walking around the home, taking pictures of the mailbox, and leaving an " urgent notice '' on my front door. My cease and desist was ignored by SunTrust. 
In summary, SunTrust has ignored my cease and desist request and refused to address concerns that I have regarding unauthorized fees on my account.

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 2023-02-14
Company: EQUIFAX, 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:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-18
Company: A & O Recovery Solutions, LLC
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 information incorrect

Complaint:
XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX  XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-17
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving debt collection notices through email for a debt I have no knowledge of. They said I owe for a balance left when I moved off of apartment and I have never lived there. I have asked for proof of lease and copy of identification but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America Auto Loan is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of BOA as it relates to [ me ] specifically Account # XXXX. I can not contact Bank of America directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to XXXX or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between BOA and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with XXXX ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX & XXXX XXXX XXXX XXXX XXXX they've reported incorrect information as opposed to the other LARGE BANK, here boa XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I contacted TransUnion to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and XXXX XXXX. 
I have XXXX and this has caused me great stress and anxiety. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any 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 XXXX XXXX Balance : {$28000.00}

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 2023-06-14
Company: United Credit and Collections Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fraud and identity theft I contacted the credit company to get removed from my account the lady representative told me I cant just to pay it! I submitted to ftc for fraud. Report number XXXX

Company response to consumer: Closed with explanation