BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Since XXXX of XXXX I have been trying to contact XXXX XXXX, which whom I have a practice loan to see if they could change my payments from Weekly to bi weekly. Cash flow was slow on my business. Since XX/XX/XXXX I have been contacted via phone and email from XXXX XXXX and XXXX ( I believe is the same people with two different names ) requesting to pay money and I was threatened me multiple times by this person, maybe an investor, in a very rude and unprofessional way. He even asked me to pay {$6000.00} at least to be reconsidered for refinance. I was struggling at my business in XXXX with the cash flow not knowing what was really happening at my practice. I had to take a 401k loan to pay my employees on XXXX weekend after loosing a cruise with my daughter due to funds not available in my Bank Card. I calculated that I missed about XXXX XXXX behind in XXXX. With all of the pressure from the vendors I was expecting my credit card processor, global payments, to disburse about {$50000.00} by the beginning of the month of XXXX as usual. But money kept not been deposited in my account. On XX/XX/XXXX, When we called global payments, Inc, they say my account was on hold since XX/XX/XXXX, th XXXX and they were holding about {$140000.00} from my business due to a lien that XXXX XXXX had place on me. A few days after a received a notification from XXXX in Writing. Not only I was not notify by anyone from the credit card processor about this, but they also send a letter to all of my insurance companies about stopping the EFTs to my account. I immediately did everything from my part so that global payments could release all the funds so that I could pay vendors, employees, etc. Matter was solved by XX/XX/XXXX from my part. 
Until today global payments have not release the funds to XXXX, not have contacted the insurances so they can continue paying for services that I rendered to my patients. 

On XX/XX/XXXX all my employees did not show to work because o did not pay them their paycheck on XX/XX/XXXX as it was due. I had to see my patients with no staff and almost lost the staff and business that took me 15  years to build. 

I want you to take legal action against global payments for breach of contract. They never communicated with me about any hold of funds and keep holding my funds, and the insurances compensations by their inactions and non communications. 

I have been diligent sending them emails and in writing correspondences, to them and XXXX XXXX. After 6 weeks my practice account and financials holds have not been addressed and this is taking a huge toll on myself. 

I have all the emails and correspondence saved. Its a big file. Please let me know if you need it. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This morning PayPal emailed me that my account has been permanently banned and I can no longer use it. They gave no reasoning behind this, nor the opportunity to appeal.

I called their customer service line and got someone who stated they could not tell me why I was banned and I could not appeal the decision. I asked for a supervisor and once they came on they also stated they could not explain why either. I asked for another supervisor and they stated that I could go no further, they no longer wanted to do business with me, and that they would hold any funds for up to 180 days or permanently. I told them that was illegal and they said I would have to consult with a lawyer if I wanted to seek legal action.

I called a second time hoping to get someone more sympathetic, and I was told the exact same thing. This representative told me to try setting up a new account under a different name and email and maybe it wouldn't get banned.

I have had this PayPal account for over 10 years and have never had any issues. I do not use my account for anything illegal or against their policy to my knowledge. I feel that if there was an issue I should at least be given the chance to correct it before they outright ban me and steal my money. 

I am seeking my account to be reinstated and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is against XXXX XXXX XXXX XXXX. They charged me {$520.00} for their insurance that they did not tell me about when I rented the car from them. My insurance, XXXX XXXX, was already covering this rental and the insurance for the rental. I feel like the addition of the redundant rental insurance was deceptive and was not disclosed it to me until after they charged my account. 


My bank Capital One has not been helpful in helping me resolve this issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Account # XXXX, 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 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 2019-07-26
Company: BARCLAYS BANK DELAWARE
State: PA
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: Problem with personal statement of dispute

Complaint:
On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX! 
I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC! 
Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account in 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 2023-09-23
Company: Conduent Incorporated
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello XXXX, I have taken all paperwork to the bank and they still stated that they can not help me get the funds back to the and account. 
They are legally not allowed to go into another bank account and retract funds. 
They stated that this should reclaimed back from where the funds came from and that then re-disbursed. 
I will also be letting the Financial Consumer Protection Bureau, know the outcome. 
I would like to get more help with this until it is resolved. 

Can they reclaim it and send out a paper check? 

Thanks XXXX XXXX Sent from XXXXXXXX XXXX  for XXXX On Monday, XX/XX/2023, XXXXXXXX XXXX, Advocacy - XXXX XXXX XXXX wrote : Good Morning Thanks for the reply, I sent you the XXXX statements on your Way To Go card. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Way To Go XXXX XXXX Program Tel : XXXX XXXX XXXX XXXX  Program From : XXXX XXXX XXXX Sent : Saturday, XX/XX/2023 XXXX AM To : Advocacy - XXXXXXXX XXXX XXXX Subject : [ XXXX ] - Re : Way To Go Immediate Attention Required This email is from an external source. Use caution responding to it, opening attachments or clicking links. 

Hello XXXXXXXX XXXX XXXX  waiting on the statements we talked about in our conversation. I need these papers to be able to go to the bank and get my funds back. 

Please send. 
Thank you Sent from XXXX XXXX for XXXX On Wednesday, XX/XX/2023, XXXX AM, Advocacy - XXXXXXXX XXXX XXXX wrote : My name is XXXX and Im a Cardholder Advocate with the XXXX program. We recently received your inquiry, which was forwarded to us by our partners at XXXX, regarding your Way2Go Debit MasterCard. We attempted to contact you before with no results. Please provide a good telephone number where I can reach you. You may also reply to this email to contact me so I can assist you with your escalation request as well. 

Respectfully, XXXX Advocate XXXX Advocacy Group Way To Go Debit Card Program Tel : XXXX XXXX Debit Card Program Here is the interaction that was done with this program. I went to bank as asked and have again been told that they can not legally go into another bank acct and retract funds. That the the funds need reclaimed and resent. The manager also said that they can send a paper check. 

So I am making new complaint to keep this escalate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, there were two charges made on my credit card via XXXX XXXX that I did not make or authorize. I was traveling to XXXX XXXX from XXXX XXXX XXXX where I live, which is where the charges were made. I received an automated text message from Wells Fargo on XX/XX/XXXX with whom I bank and have my credit card through alerting me to possible fraud. I acknowledged the text message with a " Y '' and called Wells Fargo on XX/XX/XXXX when I saw that the two charges were on my credit card statement and noticed that I no longer had my credit card and that it had been compromised. On XX/XX/XXXX Wells Fargo canceled my credit card, credited the balance to my account, and sent me a new credit card. In XX/XX/XXXX, I noticed that the fraud charges were placed back on my account. I called Wells Fargo and they told me that they found the charges to be valid because I authorized the charges when I responded to their automated text on XX/XX/XXXX with a " Y ''. I explained to them that I did not realize I was authorizing any charges, and that I was acknowledging their message. I asked to have the claim reopened and that I could submit documentation showing that the credit card used to make those charges was never associated or linked to an XXXX XXXX account. I submitted the documentation via mail after multiple failed attempts from my local Wells Fargo branch to fax the documentation with the fax numbers provided. Wells Fargo again denied my claim despite me showing that I did not have an XXXX XXXX account. They were never able to identify or get in touch with the two merchants to whom the charges were made. The two charges were : XXXX XXXX XXXX XXXX CA for {$450.00} and XXXX XXXX XXXX XXXX CA for {$85.00}. Wells Fargo told me that because I have other charges from XXXX XXXX XXXX XXXX XXXX XXXX CA that I must have known the first merchant. I explained to them that XXXX XXXX  is a local coffee shop here in XXXX XXXX XXXX, and that they do not have a location outside of XXXX XXXX XXXX and that it is not the same as the merchant that {$450.00} went to. I have asked Wells Fargo to reopen the case three times and each time they denied it for the same reason. I am not responsible for both of the charges that I did not make despite me never having had an XXXX XXXX account linked to the compromised card, AND my card not being in my possession at the time. 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I received this debt collection e-mail in error. Given the address they have on file and the debt they are trying to collect, this collection agency has me confused with someone else. 

However, Im primarily concerned that this is a phishing attempt. 

Thanks and regards.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I CALLED AND SPOKE WITH XXXX AT EXPERIAN, WHO IS THE SUPERVISOR, TO REMOVE ITEMS FROM MY CONSUMER REPORT AND WAS TOLD THAT THE ITEMS NEEDED TO BE DISPUTED. I INFORMED HER THAT I NEED THE ITEMS REMOVED IMMEDIATELY DUE TO EXPERIAN NOT HAVING MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF. I ASKED XXXX IF EXPERIAN DOES IN FACT HAVE MY WRITTEN PERMISSION, AND ON A RECORDED CALL, SHE STATED NO. THAT IS A VIOLATION OF 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.NOT ONLY HAS EXPERIAN VIOLATED TITLE 15, BUT THEY ALSO VIOLATED THEIR OWN PRIVACY POLICY WHICH STATES " WITH YOUR CONSENT : WE SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES YOU EXPRESSLY AUTHORIZE, CONSENT TO, OR DIRECT US TO SHARE YOUR INFORMATION WITH. ''

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 2023-09-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by a company sending me mail. That was addressed as final statement, student loan consolidation & payment reduction program. The name of the company was XXXX XXXX. I talked to the man on the phone on XX/XX/2023. He told me after consolidating my loans there was a payment of {$790.00} that I had to pay for that to be final. So on Monday XX/XX/2023 the {$790.00} came out. He told me my monthly payment for my student loans would be {$49.00} a month starting on XX/XX/2023. My aunt knows more about student loan so I went to talk to her about the whole situation because I wasnt quite sure about the whole situation. We found other reports of fraud against this company that people had made online and I instantly locked my bank account on the XXXX of XXXX and went in the bank the next day the XXXX thats when the report of fraud started. I got a letter last week XX/XX/XXXX and Huntington denied my fraud claim and said there wasnt enough for them to know it was fraud. But I had them make copies of the paperwork I brought in which was the first letter I got in the mail and front page of the paper work the company set me by email and wanted me to fill out and mail in to service mailing address : XXXX ( which is a real loan service company but the address that follows is not their actual address that they have listed online ) C/O XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian failed to investigate my dispute regarding a late payment reporting from XXXX. XXXX XXXX  made an error and double billed me for XXXX and XXXX. I paid my payment for XXXX on time. Experian never attempted to contact creditor Im asking for a correction on my records

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 2018-05-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me. 
On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX. 
On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX  XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.

Company response to consumer: Closed with explanation