BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent Transunion a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.

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 2021-06-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am a small business owner. I used PayPal as my on-line point-of-sale. In XXXX, they froze my account with my money in it ( {$21000.00} XXXX with no notice or explanation. When I inquired, they could not explain why the account was frozen, but said my money would be released in six months. No details were given despite my persistent questioning and I was not requested to provide any documentation Six months later ( XX/XX/21 ) I called to check on the status. The {$21000.00} in the account had been transferred out, directly into PayPals corporate offices account. They could give me no details as to why this money was being taken from me, will not provide documentation to explain my apparent fault, and will not provide a supervisor to elevate my inquiry to, or refer me to any department to pursue this. They will not provide a ticket number to pursue this as they say the case is closed. Their only statement is that I am in breach of their user agreement, and that this situation typically involves drugs, nudity or weapons. As a respectable business woman, I am horrified at these accusations. 

I am a XXXX XXXX ( XXXX XXXX. ) and have my practice in XXXX XXXX. My clients refill their recommended supplements through my on-line store and thus PayPal. These supplements are from professional line manufacturers, and as such are high quality. This also means that they require my store to be password protected so that only my clients can purchase them. Each of these clients I know personally The {$21000.00} they have taken from me came to me as many small purchase transactions from my clients. I had been using PayPal as a payment gateway for many years, without a single chargeback or complaint. 

I have repeatedly called them with no success I have filed a complaint with the XXXX  and California Attorney General XXXX am in the process of writing my Congressman & the CEO of PayPal In my research, I see that this situation has happened to many others for many years, and most fail to get their money back. I believe this is an injustice on the part of PayPal that needs to be resolved not only for me but for other customers. I do not know of any other business that can just take your money without due process, providing documentation, or at least a verbal explanation as to why, with no opportunity to correct their information and the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several withdrawals from my account made via XXXX. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local PNC Bank and filed a dispute, changed my password, froze my account and set up XXXX pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from PNC Bank that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called PNC again and asked for the documentation used and they didn't have any. They told me to contact XXXX. I tried to contact XXXX and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So XXXX is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with PNC I still do not have any answers or money. XXXX XXXX from PNC is elevating it to the XXXX XXXX but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by PNC Bank. They didn't even bother putting it on letterhead this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for 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
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

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, Acc # XXXX, XXXX XXXX, Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX has violated my rights.

Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? Can you please investigate, if you find this true can you please remove inaccurate info of my report please.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX should be removed immediately. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
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:
Remove all negative items thats over 180 days. Per THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., 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 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 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

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 2022-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX XXXX XXXX mother, was scammed and sent 4 checks to someone she did not know. The 1st 3 checks to the same person came out of the Wells Fargo HELOC acct. The checks were XXXX, XXXX and XXXX. The bank was able to get the XXXX back. 
Then my mother sent a Wells Fargo trust checking account check to the same person for XXXX. The bank says my mother signed the check, so, so sorry. I say, she also signed the HELOC checks and you got that back. 
In the interim, XXXX XXXX, a criminal financial investigator, of the XXXX County Sheriff 's Office has requested from Wells Fargo information on what bank was the money deposited by the scammer. At first they said they had no copies of the checks. Due to my diligence at the beginning of this mess, I sent copies to the sheriff 's office and XXXX XXXX told Wells Fargo that he had the copies and would send them to them. As of today, they have asked for an extension. Ridiculous. Our case # is XXXX. Give the man the info, so he can do his job.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on Transunion and XXXX. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.

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 2022-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022

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 2022-05-24
Company: EQUIFAX, 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:
The company never responded in the matter of CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 2022-12-03
Company: EQUIFAX, 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:
My name 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
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I took out a personal loan with XXXX XXXX with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the XXXX through XXXX of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, XXXX XXXX still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe XXXX XXXX any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, XXXX XXXX has not submitted this 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 explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-02-20
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MILAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Velocity Portfolio Group
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is for the following debt collection companies. XXXX XXXX XXXX XXXX LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.

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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I was returning a call to office of the president for my auto loan. I went through all the normal verification of social security number and date of birth which the rep always thanks you for verify information and says they have account in front of them when they answer. Only this time when representative shouldve started talking it was an open line to which I said hello, several times and then a child started talking said something and disconnected the phone. I called back immediately, explained what happen and they pulled the call. Representative confirmed it def sounded like a child and a complaint would be handled internally!!! What about a security and rights to privacy? How many others times has this representative allowed someone else to do this? I wanted my loan either paid off so I didnt have to deal with them any more and was told there was no security breach????

Company response to consumer: Closed with explanation