BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX/19, I received call from my bank PNC from fraud department, that I have un suspicious transaction on my account. I go online, and saw that I have 2 same pending transaction on my account $ XXXX, I call to bank, they close my debit card, and issue provision credit back on my account. Yesterday I deposit check on my account, and a soon i open my information, I saw that from account debit again 2 same transaction $ XXXX on XXXX/19, from my old debit card, which was close on XXXX/19. I spend on a phone with PNC, over hours, trying to get back my money. I do not understand how they protect they customers if they aloud to take money to someone from close debit card. So after spending hours with PNC customer service representative, who hang up on me, after I spoke with supervisor XXXX who also put me on hold, and transfer me back to the line on hold, I did not get any resolve and I did not get my money back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a paypal account on which I created a paypal fundraiseXXXX to collect donations XXXX XXXX XXXX now all the sudden paypal did block my account. I can not withdraw the donations that has been send to me! Paypal asking me for fullfillment details like shipment for products etc. although they see its clear that all incoming payments are donations sent to my paypal fundraiser I have send this info to them to remind them that all are donations on the paypal fundraiser now I get this crazy message on which I can not even sent a reply. 

Dear XXXX XXXX, Thank you for your cooperation in completing the review of your account. 



We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : To help resolve the limitation on your PayPal account, we've sent an email to your buyer to confirm if they received the related item or service. 



Transaction XXXX XXXX XXXX XXXX XXXX If you've shipped the item, please contact your buyer promptly and ask them to respond to our email, so that we can confirm if the above transaction is completed. 



After you've completed the above steps, please contact us by clicking 'Contact Us ' at the bottom of any PayPal page. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 



After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 



Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 



Sincerely, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 


__________ PAYPAL IS A COMPLETE SCAM THEY JUST FREEZE MY MONEY AND I CAN NOT EVEN COMMUNICATE WITH THEM TO GET IT RELEASED. DOCUMENTATION SEND TO THEM IS NOT BEING VIEWED AT ALL! THEY JUST FOOL PEOPLE AROUND IN ORDER NOT TO PAYOUT FUNDS THEY ARE HOLDING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2021-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
On XX/XX/20 Citizens bank.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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 or about XX/XX/XXXX I submitted a dispute related to an account that PRA was reporting. Acct # ending in XXXX since then I have been in communication with PRA regarding this account that's being reported in error. On XX/XX/XXXX PRA responded to my CFPB complaint once again alleging this account was verified and found to be true. Furthermore they requested that I send them additional documents regarding the matter which I mailed back to PRA via XXXX tracking # XXXX ( see attached proof of delivery ) showing to have been received by PRA on XX/XX/XXXX signed by XXXX. On XX/XX/XXXX I received another letter dated XX/XX/XXXX from PRA with the exact same verbiage as before stating the account was confirmed to be reporting correctly ( REF # XXXX ) and again providing me with monthly billing statements dated from year XXXX. As of the date of this compliant PRA has not responded to nor acknowledged my FTC Identity Theft Report which was included in the letter referenced above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though XXXX Bank who refuses to rectify the problem.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2018-02-08
Company: Santander Consumer USA Holdings Inc.
State: OH
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 had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: IL
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 have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

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 2021-02-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: CT
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:
I tried to make multiple payments through XXXX XXXX XXXX   payment system. My payments never made it to my bank but they say the payments were returned. XXXX   XXXX marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. XXXX XXXXXXXX has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.

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 2021-03-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a XXXX credit card that is showing up on my credit report that I did not open or had no knowledge of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I talked with several Barclay representatives. The last one, XXXX, explained to me they made a sole discretion to recharge me for a portion of disputes from many months back. This card has been a headache with these disputes. It shows a huge credit amount but they billed me again for almost 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 2020-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 my families home was approached at XXXX XXXX  PST by a man of XXXX decent. First he approached my teenage  daughter in our driveway asking her questions about me which is to my understanding unlawful. I have no clue who he was nor did he identify himself of his association other than he has some papers for me to sign. I told him I do not know who he is and to leave my home immediately as I am not opening a door for someone who can not state their association or business. I asked him over three times to leave the property and when he didn't I quickly phoned the local police department and showed them the video of the man who approached my home as well as a photo of his vehicle. 

XX/XX/2020 another man of XXXX decent approached our family home at XXXX XXXX PST and then phoned me as well. Please keep in mind that I am asleep and should not be getting phone calls at XXXX XXXX. I further advised very nicely and clearly I do not know him or is partner and to not approach my families home. If he is working for a provider they can mail me a certified letter if they have business to attend to with me but coming to my family home harassing my family my family on private property is unacceptable and I will phone the authorities going forward if they continue to harass my family. 

Again, no credentials presented when I ask who he is with, no documentation mailed from this supposed collector and yet my family home is being harassed with multiple gentleman I have no clue who they are and is rather threating to myself and my family. I have asked nicely if there is correspondence with this creditor for it to be mailed but I will not be opening my home to harassing & threating strangers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Amazon Prime Store Card with Synchrony Bank was unexpectedly closed and all of my rewards points were taken from me, without warning, despite years of being a customer and never once so much as being late on a single payment. When I called, I was told that I had too many " dishonored payments on the account '' and the rep explained that when more than one payment gets returned within a 24 hour payment then the account is automatically closed. When asked, the rep couldn't even tell me which payments were " dishonored. '' She could find one, but couldn't even find a second and couldn't explain why the account would be closed. She also couldn't fix it or reinstate my points. Spending the time to go back through my statements on my own, I see that two payments were apparently returned, 11 months apart. I can't recall if this is even accurate, but the payments were fixed and made timely. This reeks of a predatory practice to eliminate customers ' rewards points for customers who aren't paying interest or otherwise creating a profit because their card is being timely paid every month.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my credit repair, I came across a few errors. XXXX XXXX Bank is not reporting the same date opened to all 3 credit bureau, XXXX XXXX Bank is not reporting the same High Credit to all 3 credit bureaus, XXXX XXXX Banks is not reporting the date last active the same to all 3 credit bureaus. Because of XXXX XXXX Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from XXXX XXXX Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable XXXX XXXX and interest rate. I reached out to the credit bureaus ( Transunion, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2021-08-23
Company: AMERICAN EXPRESS COMPANY
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:
TO : AMERICAN EXPRESS XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XX/XX/XXXX To Whom It May Concern, I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately. 
You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. Your results from your first + second investigation, stated in writing that you " verified '' that these items are being reported correctly. Who verified these accounts?? 
I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reported correctly on my report, it is my right. 

Account Name : AMERICAN EXPRESS. Account NumberXXXX OPENED DATE XX/XX/XXXX Errors Found : This is not mine and SS # not match, Account opened before the SS issued I never had this card. -- Card opening date is XX/XX/XXXX, Individual Account, that is FCRA violations Because, you reported wrong and incorrect information in my profile, My social security card issues ON XXXX XXXX after that my credit profile is Established, all of tradeline are reported wrongly. Please remove it Now. 
I have now pointed out the inconsistencies again, with more detail and this is my 4th written request to delete these accounts. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after you have completed your deletions and corrections. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
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