BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX, XXXX years old and in the XXXX XXXX XXXX XXXX, had approximately {$100000.00} taken from him by his nephew, XXXX XXXX. Over a period of many months unauthorized checks were written on the account at Webster Bank and XXXX also destroyed the statements before XXXX could see them. Webster Bank was made aware of the situation and reported it to the CT elder abuse department.  XXXX was eventually XXXX in XXXX, XXXX and XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX Since then XXXX XXXX, who is now the POA for XXXX has been in touch with Webster Bank to try and recover the funds. Representatives at the XXXX XXXX XXXX branch have misled her, lied to her and done everything possible to avoid pursing this. XXXX met with the Branch Manager, XXXX XXXX, on XXXX/XXXX/XXXX again and asked for paperwork showing that any action had been taken and she refused to provide it. XXXX said the bank 's fraud department was not pursing this and when pushed told us to contact the Office of the President. Today, XXXX XXXX we called the number we were given and it was the general info number and not that of the Office of the President. We were on hold with XXXX for over 45 minutes who refused to give us the contact info until he tried to resolve the problem even though we told him that the Branch Manger gave us this number. He eventually provided the contact info so we can send a letter. It 's beyond belief that Webster Bank initiated the investigation which led to XXXX XXXX being XXXX for the theft yet they will not take any action to help recoup this money. They have obstructed every action we 've tried to take since the Fall of XXXX. PLEASE HELP US. XXXX is in XXXX XXXX now and is almost out of money. He will need to go on Title 19 unless we can recoup the {$100000.00} taken from Webster Bank. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MA
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:
Attached is affidavit of facts, invoice and fee schedule. Since it have been over 30 days as per required by law and FCRA and Experian has not address my disputes the following accounts are to be removed from my credit report immediately and indefinitely due to incomplete, inaccurate and/or unverified information and/or accounts pursuant to FCRA : Credit Acceptance Corporation-Fraud and they have been sued by the attorney generals office and judgment granted XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the following should be removed as well : all address on report are incorrect and are to be deleted address should be : XXXX XXXX XXXX, Trust. 
Office of the XXXX XXXX - XXXX : XXXX, XXXX XXXX. 
c/o General-Post office- XXXX XXXX - XXXX ; XXXX XXXX. 
XXXX XXXX Massachusetts republic for XXXX XXXX [ XXXX ] Non-Domestic without the United States XXXX Zip code exempt- XXXX XXXX XXXX ( XXXX ) ] all inquiries are not inquiries authorized by me all employer info are incorrect and are to be deleted Name is incorrect should be lower upper case 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 2023-09-06
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To Whom It May Concern : It has been brought to my attention that { HIRE RIGHT } has listed { negative listing } on my file. To my knowledge, I have never had no tickets or accidents on my license therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { HIRE RIGHT } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that any DUI, OPEN CONTAINER, POSSESION OF HAND HELD DEVICE, SPEEDING ETC, be permanently removed from my HIRE RIGHT report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Transunion 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 non-monetary relief
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: AZ
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:
Applied for the loan paid it in full and XXXX has not reported paid to credit bureaus

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: 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:
I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX they informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact Transunion the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against Transunion, XXXX, and XXXX in regards to my complaints outlined in this complaint.

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 2023-09-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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: Investigation took more than 30 days

Complaint:
I received a copy of my Chex Systems and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with Chex System and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by XXXX  XXXX XXXX. On XX/XX/XXXX  I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.

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 2022-10-21
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a notification that they allegedly owned alleged debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. 
I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by XXXX, remains on experian and XXXX XXXX : XXXX, DELETED by XXXX, remains on XXXX and Experian

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 2022-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have requested in-house assistance with SANTANDER concerning the accounts that were to be RETITLED. SANTANDER was XXXX XXXX  were the XXXX, XXXX XXXX XXXX, was assured by the bank that his estate plan via his Irrevocable Trust upon his death would be administered as his Trust and Last Will and Testament dictated. 

I visited at least 2 different Branches that were acquainted with the accounts and each refused my TRUST CERTIFICATE and the copy of the RETITLEMENT request from XX/XX/2008. I called on the phone to the Corporate office, spoke to DECEDENT affairs and spoke to 2 different persons from the EXECUTIVE offices who REFUSE to follow the process or rules for closing accounts and releasing funds of a deceased account holder with an duly executed ESTATE PLAN. 

The Bank is refusing me access to my inheritance and my 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 2021-10-06
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
About XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my bank account in the total amount of XXXX XXXX  utilizing Paypal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was supposed to receive a {$400.00} new account bonus from opening a checking account back in XXXX and I havent received anything yet. I have reached out multiple times via message and phone call and was told I would receive a call back. I opened my account on XX/XX/XXXX and completed the requirements within the first 60 days and should have received my money by now but I havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Act  # XXXX XXXX XXXX Act XXXX XXXX XXXX U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
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 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 correction due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom this might concern, My PayPal account is now permanently limited and I could not perform send or receive funds. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
In the email, it mentioned that " Specifically, the sale of items that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction '' I am not a seller, I am currently a university student and never been a seller of anything in person or online. I had no idea why PayPal wrongfully flagged my account as a seller account and suspended me for such reason. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if this issue can be resolved. 
I will attach the email I received from PayPal. 

I appreciate all the help and response I could get, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: SYNCHRONY FINANCIAL
State: SC
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 two accounts that have been paid/ settled. Syncb/Walmart and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please 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 explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
did not authorized transaction. 
XXXX XXXXXXXX XX/XX/22

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Report provided to employer without your written authorization

Complaint:
I am getting XXXXXXXX XXXX XXXX statements with my credit Score on them. 
They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from Trans Union. They said to call them. 

Trans Union- forced me into a text service for customer support. 
They had no idea how, with a credit freeze, XXXX was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. 
My question is how is Trans Union giving my credit score information to XXXX? I have confirmed my credit information is Frozen.

Doesn't Frozen mean Frozen?

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 2023-04-05
Company: Experian Information Solutions Inc.
State: LA
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:
Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : 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 2022-11-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Jefferson Capital Systems ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation