BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 dispute is with Transunion only who seems to be the only credit bureau inaccurately reporting on my credit report. On XX/XX/2022 I submitted a dispute to validate and verify this collection account, XXXX XXXXXXXX XXXX, for it was an account I did not recognize. Dispute results came back on XX/XX/2022 with no corrections made and continues to reflect on my credit report. First, I do not believe TransUnion maintained reasonable procedures to assure maximum possible accuracy in my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. In addition to disputing the validity of this collection account, TransUnion is reporting this collection account as an " OPEN ACCOUNT '' which is not under FRCA compliance. 
I would appreciate if this matter be investigated further.

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 2023-09-11
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Today on XX/XX/2023, I was paid from a settlement directly to my zelle. Upon opening the app to accept my funds I was told My account was permanently locked. I called, and was told they do not accept my cards anymore ( no email or text was sent telling me about these changes. ) They would not tell me why I wasn't told, they would not tell me why things changed. They would not help me access my funds and kept giving a run around answer ( we do not support your bank anymore ). As I've said nothing has been sent explaining any reason to any of this all of a sudden change. When I've been receiving funds just fine with my card on their app. They say they do not have any more information of mine and never have, yet I've used their app multiple times and my information was there. Now all of a sudden, it's permanently locked and they can't and won't do anything. Making me and my kids suffer and have to wait for them to send the funds back and to get a check from the sender. ( Process about XXXX months ) this is absolutely obsurd. Had they had communicated with their customers I wouldn't be as mad. But the ignorance and refusal of a decent answer is absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXXXXXX XXXX XXXX  Was charged late fees and interest charges never received a statement. 
Requesed a statement of all changes and payments never got it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
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 the treasurer of a 501 ( c ) 3 non-profit that has had a PayPal account for quite some time. They recently offered to lower our rates/fees since we are a non-profit organization, and so we submitted all of the information they requested, and on XX/XX/2023, they approved our " charity status '' and moved us to their charity rates. However, we recently realized that this actually significantly RAISED the fees that we are paying them ( nearly tripling! ). 

When we contacted them to go back to our old rates, they have refused. When we asked to escalate and speak to a manager or supervisor, they promised one would contact us, but then they have not. Our previous rate with them was 2.99 % plus XXXX cents per transaction. Our new " charity '' rate with them is 1.99 % plus XXXX cents per transaction. Our average transaction with them is {$7.00}, so our average fees have increased from around XXXX cents per transaction to nearly XXXX cents per transaction. 

We just want to go back to our prior rates ( 2.99 % plus XXXX cents ) but they refuse, and we're not sure why. They did offer to put us in a micropayment rate plan, but that would still be significantly more than we were paying. We also feel like they should refund the extra fees we have paid them since XX/XX/XXXX, since they misled us by telling us they were going to be lowering our fees, and instead nearly tripled them. 

PayPal is telling non-profits they are helping them by lowering fees, then tripling their rates. That can't be legal. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.

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 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, I visited a local dealership to make a purchase. After getting the vehicle information. I submitted an application with Navy Federal Credit Union for an auto Loan. I was declined twice. I called into see why I was declined and was told a letter would be sent out. 

After reviewing this letter, I believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I feel like I dont want to apply for any more credit. I am losing faith in this banking system and I am considering taking my money out of the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: TX
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:
Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX  XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: GA
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:
There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people. 

These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$40.00} -This is not 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 explanation
Consumer complaint received 2023-09-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XXXX XXXX  XXXX my statement said next payment due was XX/XX/XXXX. I called them to confirm that this was correct and they said yes. I none of my statements every showed anything past due. When I wanted to make a deposit into my escrow they accidenttally processed it as a payment. I had them reverse it, now all of a sudden they claim I am two months past due and need to pay right now. My spouse had to file bankruptcy XXXX years ago and just becaus she was on the deed as a resident they took toal advantage. Now my spouse is ready to discgare here bankruptcy they are coming back for on last pay day. Please do not work with company they operate in a very unprofessional manner, I feel like i need to operate through an attorney at all times when dealing with them.

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 2023-07-20
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a new car from Clay Cooley XXXX of XXXX on XX/XX/2023. They gave me the wrong car. On XX/XX/2023 I returned to the dealership to exchange cars. They had me sign new papers with the correct VIN. 
I discovered they ran a hard inquiry on my credit report twice. I was not told about either report. I assumed they would run one on the XXXX but I never agreed to the report on XX/XX/2023 and I want that inquiry removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
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 I the consumer and natural person was denied credit by XXXXXXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXX XXXX  also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!

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 2023-09-11
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX ) On XX/XX/XXXX, they debited me XXXX euros for an email program in XXXX that I use. 

Paid with ( XXXX XXXX XXXX XXXX  ) {$23.00} on XX/XX/2023 Exchange rate {$23.00} USD = XXXX EUR XXXX USD = XXXX XXXX XXXX XXXX XXXXXXXX XXXX. payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Purchase details Purchase amount XXXX EUR Total XXXX ) the XXXX euros came up to XXXX, as you can see. From their own account. 
Then they debited me for the same service {$23.00} ( not in euros, but in dollars. ) there was no money in the account. So now I am negative {$23.00} XXXX ) then they went ahead this morning and charged on my other debit card ( XXXX ) {$23.00} So I have paid 3 times for the same service The attachement in red is PayPal And the attachment in black is from XXXX 
As you can see I am paying three time for the same service. 
XXXX  is saying PayPal direct debited them. They have nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I obtained a private student loan through XXXX XXXX several years ago, this account was transferred to another lender in XXXX. 
WELTMAN WEINBERG REIS purchased the debt, re-aged this account by updating the " date of last activity '' to reflect the date of XX/XX/XXXX. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail. 
I am asking for an immediate investigation and to have this account deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud. 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 2023-09-11
Company: WESTERN ALLIANCE BANCORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am XXXX of the XXXX XXXX XXXX XXXX. We placed $ XXXX CD with this bank years ago when they had a branch here in the Florida area. They closed the branch and now have offices only in XXXX AZ area. So we have sent letters. We've made calls. We signed up for online banking but can't close the account and request a wire via the online banking. We did receive one email response from XXXX XXXX ( XXXX ) XXXX but that was XX/XX/XXXX  ( nearly 3 months ago ) and that one email response took us 3 months ( since our initial XXXX contact request to close account and send back the money ). 

We have sent a certified return receipt letter ( which we have the receipt for ) 6 weeks ago and still nothing. We must now ask our attorney to send a letter. I've never experienced anything like this - - being unable to get a CD closed and money returned. Any help you and provide would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
I am submitting another CFPB complaint directly to XXXX and Equifax Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit file : XXXX 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 2023-07-20
Company: Aqua Finance, 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 status incorrect

Complaint:
Aqua Finance marked my account as 30 days late in XX/XX/2023. From XXXX XXXX XXXX Aqua Finance was a Line of credit which I signed a contract as and I was make more than the minimum payment often times covering more than one months payment. Then in XXXX of XXXX  they closed that account and opened a new account as a revolving credit without my approval. I was still making more than the minimum payment. I have documentation that shows on XX/XX/2023 I paid {$150.00} which was XXXX months payment and XXXX payment. Then on XX/XX/2023 I paid {$300.00} which was XXXX monthly payment and XXXX monthly payment. So as you can see I was never late. When I spoke to the costumer service rep on the phone today, XX/XX/2023, the rep did not listen to what I was saying and talked over me. When I asked to speak to a manager he put me on hold for 20 minutes and came back and told me that no manager was available to talk to me. He did not listen to what I was saying as I tried to explain this. 
If I was late I should have received emails with my statement saying late since I am paperless, I never received anything stating that. I have phone records that also prove they never called me either. I have always paid and more than the minimum.

Company response to consumer: Closed with explanation