BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: Experian Information Solutions 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:
Filed a Dispute with Experian in regards to a account being reported as a late charge off on my credit report incorrectly. Experian Report Number XXXX results determined that no changes would be made to the account and continues to report as unpaid and late and it has been paid in full. Please remove 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 2023-12-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened new checking account PNC bank on or around beginning of XXXX. Everything was good made some larger deposits in form of checks. Fast forward to about XX/XX/XXXX and found out account was frozen ( debit card declined ). No letter no email no nothing simply just frozen. Called many many times and all I got was could be 90 days thats it no chance to prove its all legit nothing. So now they have {$3000.00} approximately and no timeline. I could legit prove each transaction but no one wants to hear. PNC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Ecommerce company called XXXX have scammed me into signing up to their free trial and are now refusing to cancel my account and are charging my account multiple times, i did not authorise any of this. I called the day it happened and they refuse to cancel and remove my personal financial details off their system and continue to charge me. I have a case with PayPal for a charge back however this is taking a long time and XXXX have once again charged my account, there's nothing I can do. They are ignoring me, they have locked me out of the account so I can not even log in to remove my details. This is criminal. I never authorised any of this and don't want their service I never did and they have automatically applied the charges with absolutely no warning or reminders. I have expressed my dissatisfaction so many times with their billing team and they always tell me " no '' we can't cancel your account, I don't want this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, XXXX requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated 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 2023-07-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bread XXXX  / Comenity bank as reached out to my family members about my dept several times. The account in question is in no way connected to them and is only under my own name. They have reached out to my family asking about my debt and for payment. I never shared them the contact info of my family so not sure where they even got it from.

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

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were LATE and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and late, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: BB&T CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.

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 2021-06-06
Company: EQUIFAX, INC.
State: HI
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:
I have noticed in the past three months, since XX/XX/XXXX, when I filed a joint action against Equifax for their data breach of XXXX, my credit score has dropped 100+ points. I am requesting a full investigation why Equifax is reporting a credit score of XXXX. Meanwhile, as of XX/XX/XXXX, XXXX is reporting a credit score of XXXX & XXXX is reporting a credit score of XXXX. I have contacted Equifax on several occasions & their representatives have basically no valid answers. This is hurting my credit profile & I demand to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I moved at the end of XX/XX/2023. 
I asked Synchrony XXXX of XXXX. Tx, to update my account address. 
I called & spoke with the Synchrony IRA Dept multiple times, including XX/XX/23 & XX/XX/23. 
Plus I sent in the proof of a new addressXX/XX/23. 
A call to their IRA Dept today resuted in their refusal to update, they said the forms & proof were received by them, but now I had to receive a text ( which I do not do ), plus my drivers license, a photograph of me, & other documents. Its obvious their attorneys are driven to mist-treat XXXX  who do not use cell phones/texting. I have other XXXX XXXX  ( XXXXXXXX ) & they specifically allow us to do changes over the phone or via simple letter. Synchrony prefers fraudulent ways of blocking IRA holders from their 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 explanation
Consumer complaint received 2023-07-17
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I AM SICK ELDERLY WOMAN AND I GOT SCAMMED FROM FRAUD SUPEONA TO MY M & T BANK ACCOUNT I TRIED CALLING THE MUNICIPAL COURT AND WAS TOLD I NEED TO IMMEDIATELY TELL MY BANK BECAUSE THEY HAVE NO RECORD OF ME AND THE NAME AND PLACE AND PHONE NUMBER GIVEN TO ME IS FAKE A MAN SPEAKS BROKEN ENGLISH AND REFUSED TO ANSWER MY QUESTIONS OF WHY WAS MONEY SENT TO THIS PHONE NUMBER AND PLACE NAME COURT XXXX XXXX {$1000.00} XXXX XXXX NJ XXXX XXXX XXXX XXXX SHOWED UP ON MY ELECTRONIC STATEMENT AS NJ WRIT BUT BANK REP SAID IT WAS NEW CENTRAL FINANCIAL I CAN NOT FIND THIS COMPANY ON INTERNET PLEASE INVESTIGATE THIS FOR ME I DONT KNOW WHO TO TURN TO I SUFFER FROM XXXX XXXX XXXX XXXX AND XXXX  AND I AM ON FOOD STAMPS I NEED HELP TO INVESTIGATE THIS MY XXXX  WHO WATCHED OVER ME HAS PASSED AWAY SO PLEASE CAN YOU INVESTIGATE THIS FOR ME 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 2021-06-06
Company: Kikoff 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:
Im having a lot of issues with the companies I have sent emails I have sent in police reports and there is still a problem the fraudulent account is still in my report. Like I have said for the tenth time I have no knowledge of this fraudulent account. I should not be penalize for my identity being stolen. This is against the law. Help me do what's right. I have attached the FTC/Police report. & Proof of my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use PayPal quite often to transfer money to family, especially when there is an emergency, because they have an option to get the money to them quickly. This last time I tried to transfer funds, there was an error and my bank kept declining the transfer to withdraw from my PayPal balance and deposit into my bank account. This was tried several times. ( The next day I was able to use this service with no difficulties ).

However, during one of the attempted transfers my money was frozen in a pending transaction and not returned to my PayPal account balance as it did during the other attempts. I contacted PayPal support immediately to resolve the issue and find out why the transaction was still pending and not cancelled. I also asked why my funds were not returned to my account.

It has been more than 72 hours and in this time I have gotten several different responses with no resolution and no answer to where my money is/went. I have screenshots of all the conversations. The first time I was told that transactions can be held for security reasons. Then I was told that there was no security reason. I reverified my information with them just in case. Then they charged my checking account for {$1.00} which I never authorized for them to do. If my account had been zero, they would have cause my account to overdraw and I would be charged fees by my bank. I have never heard of a business being allowed to charge any amount to someone's bank account without their permission.

All I want is my money to be returned and I keep getting the run-around by their support team with different answers. The last person called to tell me that they are sorry, their hands are tied and there is nothing they can do. There is nothing they can do to resolve a business matter for a customer of the company they work for? Really!!?

I asked them to open a support ticket or escalate the issue to a higher department and they replied they could not because this is a " normal '' process.

PayPal support tells me they can not do anything. It is not something I did. It was the fault of their system, and the normal system process worked on all of the other transactions which was this : when the transaction did not go through, the money was returned to my balance within a few minutes. Suddenly, it doesn't work, my money disappears and there is nothing they can do except to wait for some " normal '' process that they can not explain to resolve itself? This is bull " you know what ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions 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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have been continuously been disputing a Bankruptcy that's on my Transunion that does not belong furthermore, I have contacted the Executive Office of XXXX XXXX because Transunion is rude and doesn't follow thru with my Investigation. I have disputed it and it doesn't belong and they still haven't removed it stating it was Verified. I asked for method of Verification and they have failed to provide me. If it was Verified from who? When? I doubt it was verified because it was already deleted off my Public Record from XXXX ( See Attached ). Further, effective XX/XX/2017 a Public Record has to includes my name, Date of Birth, and Full Social Security number thru XXXX in which it does not. I have already sent a Email to CEO and contacted my Lawyer who states Transunion is not in compliance and have violated plenty rights as a Consumer and this is my last step before I follow a Federal Lawsuit against Transunion and XXXX XXXX. Please remove Bankruptcy within 30 Days to avoid Legal Action

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