BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of XXXX XXXX on XX/XX/, I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, XXXX 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXXXXXX, XXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with TransUnion ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from XXXX ( see attached ) - actual score will be updated within a week. XXXX Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.

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 2021-09-13
Company: TD BANK US HOLDING COMPANY
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:
They keep charging me overdraft fees. TD bank have these predatory overdraft pratices that they use to charge people overdraft fees. I was told if my account overdrafts and i put money in there same day before certain time i wont be charged a fee. My account was overdraft so i transfer money from another TD Bank account same hour and they charged me a fee of {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: MT
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 opened a dispute with Experian at the beginning of XXXX because there is a XXXX account on my credit report that does not belong to me, and has been open for far longer than I've had a bank account. It's severely affecting my XXXXredit score, which is troubling, but when Experian followed through with the dispute, they said that the account is mine, so it stays. They said that the company that reported the information to Experian has certified that it is accurate. Still, it is not as I do not recognize the 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 explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: IN
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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 explanation
Consumer complaint received 2022-10-31
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2021 a loan was funded to me. I needed the money to survive from getting XXXX. This was done online over phone. Net Credit 's disclosure is small print and very long and confusing. It shouldn't be appropriate due to the interest rate being 98 %! DAILY INTEREST In a state where that rate is illegal! I borrowed {$2000.00}. After 3 months of bi weekly payments automatically being drafted out of my account. I happen to see the balance was {$2400.00}. I was in shock. Not realizing making payments on time and the balance only increased! There was no way I could afford this. Especially after hurricane XXXX. Rent doubled along with gas and utilities and food. I had to move in with a friend. And my child had to go live with his father. All Net Credit will say that I electronically signed saying that I understood the disclosure. If this is how they do business? I am sure there are many other people going through this same thing. This takes loan sharks to a whole new meaning. They should not be in business. And someone needs to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: OPTUM BANK, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Optum is the XXXX XXXX for my employer. I added a bank account for reimbursement of a procedure for my husband on their website XXXX. I waited the XXXX days and as of XXXX there were no test deposits to initiate a claim for reimbursement for the procedure. Each employee including supervisors provide different information. The supervisor XXXX that I spoke with on XXXX advised there was an issue and the account should have been confirmed. He offered to send the payment to me overnight if the bank account wasn't confirmed once the claim was processed or I could change the account and within 3 days see the test deposit. On XXXX, I changed to a XXXX bank account and here it is XXXX there has been no test deposits. On XXXX the uploaded receipt was sent and email to XXXX XXXX requesting a paper check overnighted to me. The claim was approved and a check has been issued without any response from XXXX XXXX XXXX XXXX she would get back to me and XXXX XXXX dated XXXX noted Monday ) with the overnight information. This company has been very hard to deal with. Everyone provides different information as timeframe and I paid for services yet the company has yet to reimburse me which is what they are holding funds for. I would like my payment sent to me overnight as I was told and it is now XXXX with no response from XXXX whose email notes she would respond XXXX. They have been incompetent in answering basic questions and finding the issue in their system to link bank accounts to receive funds quicker than a paper check in this modern time. I have screenshots the banking information is correct yet not receiving any deposits which is on the companies side not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paypal XXXX reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. 

I am a customer since 2029 and yesterday they blocked my account and my money. 

Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. 

After studying your account, we have decided to restrict it permanently, as it presents potential risks. 

Therefore, we can no longer offer you PayPal services. 

No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. 

If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Go Capital Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My parents who live in another state received a voicemail on XX/XX/XXXX stating that they were about to pursue legal action against me if I did not contact them right away. This would be their last attempt. I called them that day and the lady would not disclose the company she worked for right away until I gave her my case number. She asked me if I owned a vehicle in 2015. I said yes but I had not seen anything on my credit regarding the vehicle in 7 years. She proceeded to talk very fast about pursuing legal action and having to go to court if I did not pay that day. I have never been in this situation and was very scared she said I owed an amount that I was not familiar with or sure of if it was correct for a vehicle I only had for two months. It was constantly in shop for repairs. Was a complete lemon and surrendered it to dealership right away. 

She gave me the option to pay half of the debt and they wouldnt make me pay the rest or else I would have to make payments for the next two years. I didnt have anyone to discuss the matter with in the moment and I panicked and said I didnt have the money to pay a lump sum now so I will have to make payments. She made me sign a document and charged me {$50.00} that day. {$200.00} a few days later and then they just charged me {$250.00} on the XXXX of XXXX. I then explained the situation to my boyfriend who had been out of the country for some time and I called back the debt collector, XXXX XXXX XXXX XXXX XXXX ). The lady was extremely rude, aggressive and threatening to me and refused to let me speak to their supervisor. She said she will put this on my credit immediately if I dont pay her. I was just trying to get more information on the company because I could not find anything online about them. No one would give me the address of the company, the full name of the women I spoke to or the name of the supervisor. I also tried to collect their professional license number and no one knew and has not answered my calls. I will be calling the authorities and reporting this company as well.

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 2018-06-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX has violated my rights .

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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 2022-10-31
Company: Experian Information Solutions Inc.
State: AL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX - Account Number : 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 an 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 ) ( a ) 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 explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2022-12-01
Company: PNC Bank N.A.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I want to add additional information to my previous complaint regarding PNC bank. I read about a customer sue in pnc bank for taking money out of my checking account without my permission during a bankruptcy I had to file due to theft and fraud. During this time my checking account was supposed to be closed. I called the bank 3 times requesting this account be closed. Instead of closing my checking account pnc bank deliberately kept the account open because they knew I was going to receive my 2nd stimulus payment by direct deposit from the irs. Pnc bank then took half of my money without permission and applied to a loan and a credit card that they issued a year previous. Knowing full well I could not pay back because all my money in stock was stolen and loans were taken out in my name. Due to my identity was sold in the XXXX XXXX then posted on XXXX in a different language using my personal information. I wrote letters to pnc bank with state police report explaining that XXXX.with recipes showing I had no money left. Because it happened in XXXX I would not get any of my money back that Was stolen from me. Pnc bank did not care and said I was lie in and did not believe me. So they took my money out of my checking account to pay the loan and the credit card balance without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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