BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XX/XX/XXXX I created a PayPal invoice # XXXX in the amount of {$100.00}. The invoice was paid for and I had money in my PayPal account. I did not receive any notices that the money " if not claimed within 30 days '' would be refunded automatically back to the purchaser. I tried to claim the money on XX/XX/XXXX, before the 30 days. I had to link my bank accout to transfer the money over. PayPal said they would be depositing two small amounts in my account and I was to verify these amounts. The amounts would show up in 1 to 3 days. This shortened my 30 days up by 1-3 days. So I couldn't verify at that moment. When the amounts showed up in my bank account on the XXXX, I verified the small amounts on the XX/XX/XXXX. Now we are after the 30 days. Then, PayPal asked for me to send a picture of my driver 's license or utility verifying my identify on the XXXX. I did this immediately, but now we are XXXX days past the 30 days. I was now a " Verified User '' and could claim my invoice. By this time, PayPal had already refunded the money with the XXXX of XXXX being the XXXX day. PayPal 's verification process did not allow me to have the full 30 days to make the claim by having to wait XXXX to 3 days for bank account approval then driver 's licence/utiity bill statement. Their policy of the " user verification process '' is not explained to users. delayed my ability to claim my money in 30 days and now I am out the money. The only recourse I have is asking the person who paid the invoice to pay it again. 

PayPal 's user agreement has been attached and it states : " If the seller you are buying from sells goods or services and that seller does not already have a PayPal accout, they can claim your payment by opening a PaPal account. If they don't open a PayPal accout within 30 dyas, your purchase will be refunded ''. 

I had an account opened long before the 30 days. This says nothing about being a " Verified User '' PayPal 's user agreement has been attached and it states : " When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction ( but no longer than 30 days ). '' What does " completes the transaction '' mean? I completed it when I recieved it. That's how transactions work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello CFPB and US Bank, i have over 12 fraudulent ATM transactions and i ; ve tried calling to file a FRAUD claim on these and every time i have, the reps on the phone have no idea how to do it or they keep thinking i want to file a dispute which isnt the case, these are fraudulent transactions totaling over {$1900.00}. 

They mailed me a new card which im still waiting on but im not sure if a fraud claim has been filed properly for these transactions so im filing a CFPB claim in hopes of getting my money back and getting a claim filed the correct way. 

My debit card was cloned and used without my authorization at the ATM, leaving my account empty. The ATM deposits are verified but all the withdrawals are not me The first atm withdrawal started on XXXX the last withdrawal was on XXXX Please help me recover my funds.

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen 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 2023-10-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. 
Please verify or remove immediately the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Thank you for your time and help in this matter. 

Subject : UNAUTHORIZED INQUIRIES-DISPUTE ( DELETE/REMOVE ) I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * REMOVE/DELETE FROM MY REPORT IMMEDIATELY

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 2018-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am uploading documentation that experian is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my experian credit report. I am also uploading proof from my XXXX credit report that it has been confirmed that this account was never paid late. I have disputed this several times with experian but they will not fix this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX XXXX to Transunion here is my certified mail tracking number : XXXX. However, it's been more than 30 days and the credit bureau failed to send my investigation back. This Is not making sense., The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Transunion } consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. TransUnion : XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX : XX/XX/XXXX accountXX/XX/XXXX, XXXX : XX/XX/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 2023-04-28
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled XXXX services. They claimed I had a contract with them and couldn't cancel until XXXX. When I asked for a copy of my signed contract, they sent me an XXXX contract without my signature. XXXX them claimed that it was a verbal contract. Since XXXX phone system states that calls are recorded, I asked them to send me a copy of the recording were I entered into a verbal contract. I never received this either. I moved into my in XXXX and XXXX was already installed. We never signed a contract, we continued to pay until XXXX when we realized we didn't use it and could save money by cancelling it. When I called to cancel, this is when they told me first that I had a written contract and when they couldn't produce that, that I had a verbal contract ( which again, they can't/have n't produced ). They sent to Virtuoso Collections. On XX/XX/XXXX, I sent a letter to Virtuoso disputing the charge and requesting a copy of written or verbal contract from XXXX. Not only did they not provide this, they continue to call multiple times per day even though their letter says they will stop calling once I disputed. In addition, when they call, I have asked them to only correspond with me in writing. I am requesting a copy of the alleged contract. I am following the rules and Virtuoso should also. I resent my XXXX letter to Virtuoso virtually on XXXX. If they can produce a valid contract that shows I entered into an agreement with XXXX, I will pay the amount due- {$200.00}. I have been asking XXXX and Virtuoso for this " contract '' for months verbally and in writing. Neither have produced anything.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
No access to savings at Capital One Bank. The bank has restricted access to large chunks of my savings for several days, even though the funds have been transferred from my previous bank. I'm essentially without access to my money while Capital One " processes '' the money transfers for extended periods of time up to a week. This has happened with both the checking and savings accounts. Capital One customer service has been either been unresponsive or provided false information. 

I opened a Capital One XXXX savings and checking accounts on XXXX XXXX. At the time of account opening, Capital One gave me the option of transferring funds to the new accounts. I used this option to put several XXXX dollars in my new Capital One savings account, but the deposit never went through for unexplained reasons. Capital One never informed me that the initial deposit of didn't go through -- I had to find out on my own when I checked my new accounts on XXXX XXXX After the initial transfer failed, I conducted a second transfer attempt to my Capital One savings account on XXXX XXXX. The funds ( the same amount as initial deposit attempt ) left my XXXX XXXX checking account on XXXX XXXX but were not accessible in my Capital One savings account until XXXX XXXX. 

I called Capital One customer service on XXXX XXXX. They advised that a faster transfer would occur to my Capital One Checking account ( since XXXX XXXX is also a checking account ) and that I'd have almost immediate access to the funds. From there, it would quicker to get funds into my Capital One savings account ( which pay interest ), my ultimate goal. 

On XXXX XXXX, I conducted a much larger transfer from my XXXX XXXX checking account to my Capital One checking account, as advised. This amount, nearly all my savings, left my XXXX XXXX account on XXXX XXXX. XXXX XXXX is still " processing '' the transfer but says I won't have access to my funds until XXXX XXXX at the earliest! Capital One customer service refused to speed up access to my funds or return them to my XXXX XXXX account. 

The end result is that I'm left without access to nearly all my hard earned savings for more than a week. I simply don't trust Capital One bank when it comes to handling deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-01
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was scammed I was told by this company they can help me clean up my credit report they said they just would like to look at my credit report it will not leave an inquiry

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have previously disputed the accuracy of payment to XXXX XXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but Transunion isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.

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 2021-08-23
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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