BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened an account with paypal months ago and have made purchases with it, with no problem. Today, however, I sold an expensive plan locally. The person asked to pay with paypal and I allowed them to do so. They paid, then got in their car and drove away. Paypal decided to place a hold on the {$600.00} until I ship. But there is nothing to ship, they paid locally. I messaged the person and asked that they go onto paypal and marked the transaction as received but they just blocked me. So now they have my plant and the money. Then on top of that, paypal is now saying there is some issue with my account so it's frozen and I can't withdraw money. I've NEVER had another paypal account. I have had serious cases of identity theft, which has been reported. This is my first ever paypal account and now {$600.00} that I needed to pay for my dogs XXXX, to save his life, is not going to be given to me. Paypal is literally killing my dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

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 2022-03-21
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, My sons each received {$100.00} gift cards from their grandmother. They were purchased at a XXXX in XXXX XXXX, Fl. One of the cards was perfectly fine, the other only had 12 numbers ( instead of 16 ) so it could not be used. Both cards were sealed in packets. I am submitting a complaint because I called the provider, Vanilla gift cards, and I followed their process exactly to explain the fraud. I have not heard anything back or received any acknowledgment. I think it's shaky a firm of this size and stature doesn't even respond. It's only {$100.00}, but really the principal of not hearing anything back, and my mother-in-law is helpless as the purchaser as well. So the question to the CFPB is that this gift card was obviously fraudulent. I went online and read about this and it sounds like it happens quite often. Given it's prevalent, what is the issuer 's process to make good. Is it simply the buyer loses out? If that's the case I'll urge relatives to send cash instead. Just seems so wrong my mother-in-law 's gift is out the window and feel like the work I did to follow their process has not registered anything. It feels like I went into a black hole and that's not right for the consumer. I run a federal credit union so I know about credit disputes. This I've not seen before with our gift card program so was so curious how Vanilla would respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Commonwealth Financial Systems, Inc.
State: NY
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:
For a year of working hard paying my bills to improve my credit score on XXXX I noticed multiple alerts from my XXXX account someone has my Social Security number for The dark web. 
On XX/XX/XXXX I got an alert stating that my transfusion credit report dropped by over XXXX points and it was due to a company by the name of Commonwealth finance in Pennsylvania put a collection balance on my report in amount of {$300.00}. I proceeded to contact the number on my report to find out it was a collection agency stating that this was a balance from 2015 from a hospital visit which was not my account and is completely incorrect. She was rude disrespectful and will not provide me with some type of proof that this was legitimate I did a little bit of research online this company seems like it does this to consumers and when you go online they actually have a service to take the information off of your credit report for a fee and its the same company as the outfit that is the Collection agency commonwealth finance that put the information on my report, this agency which completely looks like a scam Multiple complaints online. Ive reached out to transfusion and I submitted a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MO
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:
Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and nine currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion, for some reason, is reporting my mortgage with XXXX  # XXXX as 30 days past due for XX/XX/2021. This could not be possible as I sold my home and paid off the mortgage on XX/XX/2021.Attached I have provided a copy of the settlement statement and warranty deed showing the home as sold and XXXX XXXX  being paid in full on XX/XX/2021.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Once again and after multiple attemptscI find this agency incapable of maintaining accurate adctibely information. After applying for a loan the bank received a credit file alert requiring they contact me. In effect they were locked out without my prior approval. Interestingly my account gets hits DAILY by unauthorized banks, lenders, and others without any so called protection or lockout which drives my credit score and everyone 's down. Shamefully and documented, this alert, which I never authorized, was removed and reported months ago, multiple times through the CFPB AND direct contact HERE WE ARE AGAIN months later. It is a confirmation of the CFPB INEPTNESS AND THE CREDIT AGENCIES AND SYSTEM. FRANKLY, AND BY EXPERIENCE AND VIA HUNDREDS OF UNRESOLVED COMPLAINTS. MY ONLY BELIEF is this entire system a giant scam perpetrated on the American people to keep them subjugated financially. TO BOOT I EXPECT mind you a letter advising me they have no notice, to remove what I never placed and until they get such it will remain on. Pathetic is too kind axword to describe 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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2023-08-16
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from Westlake Financial advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. XXXX, however, though no freeze had occurred since XXXX, showed a hard inquiry from Westlake on the date on XX/XX/XXXX. Westlake had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my XXXX report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.

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 2021-10-14
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We experienced discriminatory and unfair under calculating of our income. Continuous denials of recipes of documents in support of our application. They can not be reached via calls, emails. They were not open and fair with the whole process. We were getting inconsistent feedback regarding our application among the staffs. 
We were told that we could close within the 30 days and we were assured that it was going to be smooth since all or most documents were already in place. Unfortunately, a week before the closing when they were supposed to deliver a mortgage commitment to the seller, they claimed they had not received an employment verification from my wifes job. Meanwhile, the letter was already in their possession. After much back and forth and lying, they gave a makeshift closing document to our realtor which according to them was not final. Then, a day to closing, they came up with new conditions which had not come up from the time they approved us for a loan. From these, it is clear that we are being used, discriminated against and treated unfairly based on our race, ethnicity and income.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XX/XX/22 to XX/XX/22 my family and I went on vacation in XXXX, XXXX. On XX/XX/22 ( posted date XX/XX/22 ), I was fraudulently charged {$1000.00} by " XXXX XXXX '' for a transaction that I never made. In addition, I was also charged {$30.00} for a foreign transaction fee. I discovered and reported this fraudulent charge to Bank of America sometime between XXXX. 
According to Bank of America, the merchant " XXXX XXXX '' is a restaurant in XXXX XXXX. I have never been to XXXX XXXX in my life before, so I could not have made this transaction. I flew directly into and out of the XXXX XXXX, and I have pictures of myself and my family at different XXXX tourist locations every day of my trip that can prove that I was indeed in XXXX. XXXX is around a XXXX XXXX XXXX from XXXX XXXX. There is no physical/logical way that my physical body was simultaneously in XXXX and XXXX a restaurant in XXXX XXXX XXXX 
I used my credit card a few times while in XXXX, and XXXX particular instance stands out to me as the most suspicious. I attempted to use my credit card at a gas station. The worker first took my card and attempted to use it in XXXX handheld device. He told me that the transaction didn't go through, but that there was another credit card processing device that he could try. He took my card and went to another device. This device was on the other side of the stand, so I could not see precisely how he attempted to process the card. He came back with my card and told me that the transaction did not go through. I paid with cash instead. All in all, he attempted to process my card multiple times on multiple different devices. This instance stands out to me as the most likely source of issues. 
After Bank of America refused to rectify this fraudulent charge, I asked that they re-open the investigation. I also filed a report on with XXXX XXXX TX XXXX Police Department, my local police department. I voluntarily gave them a two-page statement for them to investigate. This statement includes my daily itinerary of every location in XXXX that I visited. My report number is XXXX ; I filed the report with XXXX # XXXX. I then informed Bank of America that I filed a police report and gave them the number of my report and the contact information. 
I am asking that Bank of America expedite their investigations and arrive at the fair and logical conclusion that I did not make a {$1000.00} transaction to 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 monetary relief
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was a Sams Club MasterCard holder, and a Lowes card holder both issued through synchrony bank. Both cards had been hacked into and had my address changed to addresses in California. I live in Ohio. I did not grant this permission. I found out by checking my credit report. I called and reported all the activity was fraudulent. They took care of the fraud. However, they keep allowing the same people to have new cards re-issued to them. I have called and asked them several times to please close the accounts and not allow them to be reopened. I talked to the fraud department and have been hung up on in the middle of a conversation several times. I have asked to speak to managers and nobody will allow me to speak to a manager. I just want the cards closed so that people can quit making charges on new fraudulent cards that are through my credit. I filed a police report and a fraudulent dispute through experience. I just can not get them to stop issuing new cards to anybody under my credit. please note the credit card number I put in has been closed. I do not have the current number that has been reopened to somebody in California. The only people that have that number are the ones that have access to the account and keep making fraudulent charges.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.

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