BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Paypal Holdings, Inc
State: CA
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:
Hello, I sold an item ( Item # XXXX ) on XX/XX/2018 via XXXX and provided the correct tracking number ( XXXX XXXX ) to XXXX and the customer. After the sale, I received three frantic emails from paypal saying my tracking number was invalid. I logged in an realized the number was correct and needed no updating. I also realized that XXXX asks for tracking numbers not paypal. I called PayPal and was told that the number was valid but was being seen as invalid for some reason. XXXX was blamed for not transferring the number over correctly. XXXX instructed me to send my merchandise but PayPal froze the funds. I thought that once the item was delivered the invalid number glitch would resolve itself. I contacted PayPal and was told that XXXX was asking them to hold the funds and that a new rule stated that they could not manually release held payments. I called XXXX, XXXX flatly denied Paypal 's statements. XXXX denied holding funds or having rules against manual releases. 
Multiple excuses were given. 

1. " It's a glitch that will be corrected if you update the ( already correct ) tracking number ''. 2. " XXXX is forcing us to hold your money '' 3. " XXXX transferred the tracking number over incorrectly '' 4. " A new XXXX rule prohibits us ( paypal ) from manually releasing funds. 

5. We are not holding your funds.

6. " Just wait until XX/XX/2018 it will be released ''. I was calling them on XX/XX/2018. 

7. We have no ability to transfer your call to a supervisor or an American agent. 

On XX/XX/XXXX I had an XXXX  representative on the phone when I called PayPal. The paypal representative quickly realized blaming XXXX was not going to work so she removed the hold, after a very long wait. I asked her why the funds were held under several false pretenses, she stated that PayPal can randomly hold funds if they think there is a security risk. I don't understand the risk, if it was paid for and a valid tracking number was provided. I feel I was caught in a difficult spot. XXXX is telling me to ship paid for, trackable merchandise and PayPal is keeping the money and misleading me regarding the reason. I am expecting retaliation regarding my complaint. What I thought was an innocent glitch, turned out to be much more troubling. The behavior is both fraudulent and time consuming. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why

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 2018-05-19
Company: Experian Information Solutions Inc.
State: TX
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:
Ok i call Experian to Dispute a bill that was fraud, that was done by my son so i agreed to pay it and the company agreed to take it off, i recieved a letter in writing stating it will no longer report on my credit, but in the meantime Experian concludes their finding ( investigation ) say that they contact the creditor our XX/XX/2018 to verify the debit was mine but i receive my letter of removal XXXX days prior to their finding, so are the credit bureau really investigation wrongful credit on people consumer report are they lying to you just to keep bad credit on your report, this is agonizing and very frustrating for a credit bureau to do a consumer like this.

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 2021-02-08
Company: Credit Plus Inc
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Mexico, is claiming what I consider to be a fraudulent debt on an account I thought was long closed. 

This bank claims that they held a negative balance on this account, which I thought was closed, for 2 years, from XX/XX/XXXX until XX/XX/XXXX, and then " wrote off '' the debt in late XXXX. 

I closed this bank account in XXXX of XXXX. I have told them that any checking activity on this account after that date would have been fraudulent and I do not agree that I owed them any money. 

This bank never sent me ANY NOTICE of the alleged debt, before they sent it to the credit reporting agencies as a " write off ''. The first time I even gained any knowledge of the alledged debt which had been " written off '' was in XX/XX/XXXX. 

I believe this bank has charged a fraudulent charge to my account, and has sent a fraudulent report of a " write-off '' to the credit reporting bureaus, and that they illegally wrote off this aledged debt without ever making any attempt to collect or notify the alledged creditor, myself. 

I believe that XXXX XXXX XXXX XXXX XXXX is hurting my credit score based on a fraudulent charge, that they illegally " wrote off '' against me.

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 2023-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Since the crisis due to covid, I was only able to make partial payments on my account. But the high interest charges are too much to bear especially with the economic downfall and loss of income. I already paid my balance in full but the high interest charge remains. I called the credit card company and wouldn't give any consideration and says the interest charge was valid. 
Please help.

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 2023-02-14
Company: EQUIFAX, 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 submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked Procollect to Validate a debt they allege that I owe as it is my right to do so under 15 usc 1692g. Procollect has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did not exercise their gave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 A4.

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 2020-04-23
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Persolve legal group counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX Persolve legal group collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date Persolve legal group has failed to comply. 
multiple good faith efforts have been made, to date the only attempt Persolve legal group has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: GREAT LAKES
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2019 I received in the mail my background check documents and it says I was denied access to the Great Lakes facility XXXX mi but I didnt get any explanation too why. I have 1 XXXX   XXXX on my record and its over 10 years old. From my understanding they only hold u accountable for 7 years back on your record I have no other XXXX XXXX on my record i have 1 open operating case which is a XXXX but its not closed I never been convicted.I just need a explanation as to why I got denied I have XXXX   card I have passport Ive passed disa background check so Im able too get into 95 % of the facilities in the country Ive been all over for the pass 10 years this the first time Ive been denied thats why Im confused but Id appreciate it if I could get some answers soon thanks. My name : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a victim of Binary options Fraud in which my credit cards were used to fund a binary options broker so that the broker could use the funds to trade binary options. Two brokers were used : XXXX XXXX and XXXX XXXX XXXX both companies claimed they operated out of the XXXX. The following link is from the FBI explaining how these companies defraud people : https : //www.fbi.govXXXX The following link from the CFTC have put these companies on a red list flagging them for fraud. XXXX XXXX XXXX will be put on the list after the procedure is completed. 
http : //www.cftc.govXXXX The following are dates and dollar amounts : XXXX Credit Card XXXX XXXX Bank of America XXXX/XXXX/XXXX XXXX 4 transactions of XXXX to " XXXX XXXX XXXX '' totaling XXXX - After I reported the fraud to them they credited the money bank to the card. 
XXXX credit cards ending in XXXX and XXXX by Bank of America  XXXX/XXXX/XXXX card ending in XXXX for 1 transaction of {$2500.00} and card ending in XXXX for 1 transaction of {$2500.00} - After I reported the fraud they returned the money back to the cards. 
XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction of {$5000.00} to " Bank of Options '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$3000.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$250.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$500.00} to " XXXX XXXX XXXX '' Money returned after fraud reported. 

The following are dates and dollar amounts for the same transactions to the same fraudulent brokers but money not returned. 

XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction for {$10000.00} to " XXXX XXXX XXXX '' Money not returned after fraud reported. No difference, same type of transaction to same fraudulent broker. 
XX/XX/XXXX - 1 transaction for {$5000.00} to " XXXX XXXX '' Money not returned after fraud reported. Same type of transaction to same fraudulent broker.

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 2023-07-31
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX Cash Apps system created a duplicate payment to someone with the same first name same amount same date and time. It was reported within an hour and all necessary steps were taken. They also released a message about the system error creating duplicate payments at the time. Over a month later they continue to deny the dispute saying there was no error and refuse to provide any documentation proving their investigation. The only thing on the document is the charge itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on 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 2023-03-16
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello Sir/Madam, I usually shop in XXXX an app which is used to buy and sell stuff. I found a bag that I am looking for and asked for the price and agreed to pay. The seller doesn't want me to use the app hence asked me to pay her through XXXX and I asked her for the protection she told me that I can file a claim to for fraud to receive money. We had an agreement and we had a conversation on my phone with some pictures of the product, I don't have any information about her except her name and contact number. She initiated the funds as a invoice that how I came to know her name. She initiated the funds for 2 times the first time she sent me a request for an amount of {$600.00} and the second time she initiated for {$450.00} as we agreed.I will attach the phone conversation that we had below. The amount i transferred {$450.00} on XX/XX/18. As soon as she received money she stopped responding to me and blocked my number. Only hope I had is from my bank which is Citibank, as my transaction shows its pending I called them on the same day and submitted a dispute. I haven't got any response from them yet.

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 2022-09-02
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Back in 2021, I received multiple pre approvals from credit karma then they did hard inquiries bringing my score down when I was diligently trying to raise my scores and improve my credit. 
They would say " excellent odds '', and your pre approved, then I would be denied. 
I didn't know I could actually file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 responded to an offer via XXXX XXXX for auto-loan refinancing through XXXX to see what rates I'd be eligible for. I filled in some of the requested information online but did not return to complete the process. A representative from the company called me the same day ( XX/XX/2018 ) and got additional information about my vehicle and said someone would call for a follow-up. Then on XX/XX/XXXX, I received an alert from XXXX XXXX informing me that a new inquiry was added to my TransUnion credit report. I never gave permission for my credit to be ran. I was never given an offer for refinancing via telephone nor the web portal. Per XXXX 's FAQ, " During the application, we do a soft pull on your credit that will not negatively affect your credit score.  Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I spoke to XXXX XXXX about this issue and he said he'd conduct an investigation and get back to me. This was XX/XX/XXXX and I haven't been contacted again since. I sent him a follow-up e-mail last week which has not been responded to.

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 2023-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
In accordance with the Fair Credit Reporting Act, CREDIT ACCEPTANCE CORPOR XXXX Balance Owed : {$21000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 explanation