BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back and going. I still have remaining balance in my account for my medication. I am not sure If this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report here as I feel that they are not doing there job properly and it is affecting me a great deal as I used my PayPal quite frequently. My email is linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Winklevoss Exchange LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one. They also advertise 2-5 days, but thats simply not true. This complaint is like many others. Due to my account not getting verified I cant move it or withdraw it. Emails go unanswered and phone calls reach no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Requesting a Method of Verification Letter Dear Sir/Madam : I recently received a response to a dispute that I made under FCRA 611 ( a ) ( 7 ) regarding an erroneous item on my credit report involving a transaction with, Medical Business Bureau Partial account # XXXX Collection {$760.00} XXXX XXXX have no record of this account. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect Medical Business Bureau should be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payed XXXX XXXX XXXX  XXXX {$540.00} I have enclosed a copy of the Explanation of Benefits. 

So I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I acquired this Capital One credit card in XXXX. Eager to sign up with their web payment service, their website arbitrarily introduced an interface from Credit Wise, a credit reporting vendor they have teamed up with, that I unknowingly signed up with thinking I signed up with Capital One in part due to their logo appearing on the Credit Wise site. 
Unfortunately, they were NOT the same company and as a result of signing up with XXXX XXXX, the ability to sign up with the actual Capital One website was curtailed in cyberspace. So much so that I had to get a level 2 supervisor on the Capital One tech support to resolve my inability to sign up with them. She did and walked me through deleting my new XXXX XXXX account and told me to wait for XXXX XXXX to purge my data. This purge would take 10 days after which, she, XXXX from XXXX, would call me and we would set up my true Capital One account. She called and we did. 
Unfortunately, at the time during this ordeal, I was stuck in the ski ranges of Colorado prior to XXXX calling me and could neither make a payment via the web nor call their phone from any of my or my associates cell phones as we were in a cabin on vacation skiing in Colorado thousands of feet above cell service. All we could do was text. Upon my return, XXXX called and the account went through and I made my 1st payment thinking all was well. It wasn't. Capital One dinged me for a 30 day late payment. No other card has done that as all of my accounts are exceptional having been opened in or around the same months. ( see attached ) As a banking professional, I take great pride on having an excellent score and am accountable for my choices. Yet in lieu of the absolute mess up this ridiculous company has foisted upon many of its 's customers, I will not sit idly by and allow this mark to remain! 
Capital One need to remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NJ
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 my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX 160 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did a recent review of my consumer reports with XXXX, XXXX and TransUnion. All three agencies are reporting a XXXX  XXXX Bankruptcy which all 3 reported this information came from XXXX. I sent a letter to XXXX via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, XXXX and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told XXXX to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. XXXX sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want XXXX, XXXX, XXXX and TransUnion to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.

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 2022-05-20
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:
In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with Experian and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and Experian were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from Experian and 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-20
Company: Synovus Bank
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with XXXX XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: WA
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 had disputed discrepancies and Inaccurate information on a charge off account with XXXX. Experian stated it was verified but the inaccuracies and discrepancies still on my Experian and XXXX. Experian shows : Acct # XXXX XXXX XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My XXXX shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a 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 explanation
Consumer complaint received 2019-07-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I Have Received 13 Emails Since XX/XX/XXXX And As Recently As Yesterday Telling Me That I Can Save .XXXX/Gallon On My Next 5 Purchases when I use the Shell credit card. When I Purchased Gas On XX/XX/XXXX I Didn't Get The XXXX/Gallon Reduced Price And I Tried Two Different Gas Stations. I called the Shell and they blamed citi bank, the credit card company for Shell. Everyone 's blaming someone else but I received these emails from Shell telling me I can get XXXX/gallon off my next 5 gas purchases when I use the Shell credit card. I attached a copy of one of the emails I've been receiving

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 2021-05-20
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with the alledge original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. telerecovery are now threatening me for an alleged debt that bought from the alledge original creditor that claims I owe something. I never received a Material Disclosure of any of the information that was supposed to be provided to me. telerecovery has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive talk to my creditors and they said they send in update once a month to TransUnion but TransUnion is not updating my credit report. I have a XXXXXXXX XXXX accounts that has not been updated sense XXXX also an account that have not been updated sense XX/XX/XXXX another not updated sense XXXX. This is very unfair to me as a consumer when my bills are paid on time never late nothing in collections but had to have bad marks because my credit report is not being updated by TransUnion.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX, I opened a personal loan for {$4500.00} with XXXX XXXX XXXX. In XXXX, I had that same loan with XXXX XXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX  XXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact XXXX  XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXXXXXX XXXX do this to keep the negative account information " fresh ''?

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 2023-08-17
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I Received a direct deposit from VA-XXXX for {$10000.00}. I sent my Wife {$1300.00} and went to a Car Dealership in XXXX XXXX, Kansas. Found a vehicle my wife and I thought would be our next vehicle so we tried to finance the vehicle. Proceeded to finance it with {$7000.00} using XXXX XXXX. Had to split the transaction due to not being able to transfer that amount at once. Used {$3000.00} down from MoneyLion.

MoneyLion Locked my account due to " Spending more than {$10000.00} in 30 days '' -from MoneyLion Support Rep I asked the next person I called to transfer or maybe it was the same one, regardless the amount of times I have talked to the support is crazy. 
I tried to have {$4900.00} sent to my physical bank and it somehow ended up getting put into an investment portfolio which is down to {$4700.00}. I called to have it cancelled and corrected and then they froze those funds. 
It has been over 30 Days since I have started calling them more than once a week. They advise me every time to keep waiting for an email and that someone will be in contact. I have submitted my identity verification and everything. 

The {$3000.00} that was paid to The XXXX XXXX XXXX XXXX was XXXX. 
The Sales Manager was kind enough to refund the money after telling them what happened. I showed them my card number to use as a visual on their machine and they tapped it to their machine instead initiating it to go to a different card then the MoneyLion bank. 
The {$3000.00} got sent to XXXX XXXX. 
After weeks of going thru talking to people I found out the Money went to XXXXXXXX XXXX 
XXXX XXXX claims the dealership canceled the refund and they have no held Funds. 
XXXX in XXXX XXXX Says the Money was Sent to XXXX XXXX and there was no Credits to their Account. 
Besides for the {$3000.00}, the Money in my MoneyLion Investment account is down to {$4700.00} so it has gone down over {$100.00}

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 non-monetary relief