BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
1.Did n't renew my BJ 's Club for XXXX due XXXX concerns. Assumed BJ 's PERKS MC, # ending in XXXX, was also terminated. 
2. This card was also used to renew our annual subscription to XXXX ( i.e. TICKETS, XXXX XXXX ). No renewals were made in XXXX & XXXX due XXXX  SHUTDOWNS. 
The renewals were confirmed via email. 
3. In XXXX of XXXX, XXXX charged our thought to be terminated MC for {$40.00}, & failed to notify us. When we received the XXXX statement we immediately called XXXX to inform we were no longer interested continuing our subscription, because : 3.1 We purchased a Fall-Spring occupancy home in Florida & could go to XXXX during these times ; & 3.2 I am XXXX XXXX XXXX & can no longer XXXX from XXXX XXXXXXXX, NY into XXXX. 
4. Numerous calls to XXXX went nun answered, so we asked to BJ 's Perks MC to reverse the UNAUTHORIZED CHARGE of {$40.00}, contact XXXX to reverse it. 
5.They said the would, but didn't. We were finally able to leave a message at XXXX, but no one called. Interest & were added. The account was taken over by Capital One, & in spite 5 or 6 calls have yet properly correct problem ( i.e. # -- XXXX ) with FEES & interest up to {$150.00} in the last statement. 
6. We were finally able to reach XXXX CustomerService on-line. I believe they would reverse the charge if they could, but may not be able to unless CAPITAL ONE contacts them. 
7. We have NOT tried to use the services provided by XXXX since XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have spoken with this company and also communicated with them by mail on several attempt this is my final attempt before filing suit against them, They can not validate this so called debt, they are a third party debt collector and I have no contract with them, I requested from them to produce a contract between me and them and they only produced old statements. A statement is not a contact anyone can mail you statements from a delinquent debt and request you to pay them. A third party debt collector can purchase your debt but they can not purchase your information ( 15usc 1692b ) This company has violated my privacy and have harass and abused ( 15usc1692d ) my privacy with collection of this debt of the Fair Credit Reporting Act which you can see as an credit bureaus, I am requesting this be deleted from a credit file ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX   XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-02-17
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Venmo has been illegally holding {$800.00} of my money first they froze my account after I received the money and told me that they need to identify who I was in order to release the money on the account I provide them with my driver 's license. Then they stated that oh well in order to unfreeze your account the card that you have attached send us the card statement to the credit card or debit card that you have on venmo. My bank does not have card statement. My bank does have account statement I provided them with that. After that they still refuse! I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, 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 2023-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing Experian with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, Experian has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that Experian has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, Experian has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested Experian to block all addresses not belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. Experian 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to Experian, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

Sincerely, 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX TRUIST BANK 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 US DEPTARMENT OF ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2022-07-15
Company: NRA Group, LLC
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:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and NATIONAL RECOVERY AGENCY And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to get my information to a third-party Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Name NATIONAL RECOVERY AGENCY XXXX Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me And I have PDF files showing the in accuracy and top of them breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed immediately.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: CT
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:
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 {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my 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 2022-07-15
Company: FISERV INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I own a bed and breakfast on XXXX XXXX. We take credit card payments for our rooms. The credit card processor generally deposits money into my checking account daily. However, for the past month, they have been withholding my deposits citing security issues, and there has been no resolution. 

When I initially called them, they told me it was because I was providing too many refunds ( I was refunding room deposits after checkouts ) and that I needed to send in my bank statements. I completed that. Then, they told me the issue was that the XXXX  had a dramatic increase in income. I explained to them that it's a XXXX XXXX  Then, they told me that my money was being held because guests were booking rooms one year in advance. 

As stated, it has been over a month that they have been withholding my money, and there has been no resolution. I will not be able to make payroll, mortgage and taxes in two weeks as my savings is running out. 

Additionally, there is noway for me to escalate this situation. Everytime I call customer service, they refer me back to the same agent in the security department. They will not let me work with a supervisor or someone in another department who can expedite the process. 

I believe this is an unfair and unreasonable practice that is causing harm to my business. I do not know where else to go for assistance. I have contacted the AG, OCC, and State and US congress people ; all say it's not within their purview.

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 2023-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear XXXX XXXX, I am writing this letter to appeal the permanent limitation on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake, and I would like to request that my case be re-investigated and my account be restored if possible. 

I have been a loyal PayPal customer for several years, and I have never violated any PayPal policy or engaged in any fraudulent activity. However, I was shocked to receive a notification stating that my account had been permanently limited. 

I believe this decision was made in error, and I would like to present my case for re-evaluation. I am confident that, upon review, it will become clear that there was no basis for this limitation. 

I would appreciate it if you could provide me with any specific details or reasons why my account has been permanently limited. I am confident that I can provide any necessary documentation or information to resolve this issue and restore my account. 

I kindly request that you reconsider your decision and restore my PayPal account to its full functionality. My email address associated with my PayPal account is XXXX Thank you for your time and consideration. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: Kikoff Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I never opened this account I have attempted to close this over and over even pd a few times so my credit didn't get hit im so aggravated as I've been working hard on building my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
When I leased my XXXX XXXX XXXX from XXXX XXXX XXXX, I was told I would have the option of ending the lease early. XXXX XXXX XXXX said to stop in any time in the last 3 months of the lease. The lease was to end in XXXX so in late XXXX, I stopped by dealership to talk about turning it in early and possibly getting another vehicle. In considering a new vehicle, the dealership added in charges for the last 3 months of the lease on the XXXX XXXX. I emailed and said that had not been what I had been told and I wasn't happy with the bait and switch and would be looking elsewhere. I had been a customer of theirs for several years. XXXX XXXX XXXX 's Finance Manager emailed me and said that as they had made an error they would cover the last 3 months of the lease. I asked if there were any contingencies and they did not give any. Thus I turned in the vehicle. All I signed for in turning in the vehicle was the mileage on the odometer as one does when trading in or turn in any vehicle. I then received an invoice from Ford which included mileage overage fees AND the cost of the last 3 months of the lease. I told Ford I would pay the mileage charges but NOT the last 3 months of the lease because their agent - XXXX XXXX XXXX Dealership - had agreed to pay. XXXX XXXX XXXX then refused to pay the last 3 months. I sent Ford the email - written documentation from XXXX XXXX Ford showing they agreed to pay the 3 months. Ford Credit refused to acknowledge the email documentation and stated I was lying. I tried for 6 months to resolve the issue. They threatened legal action and so I gave up and paid the entire amount due. The attorneys for Ford Credit also refused to acknowledge the agreement by their own agent - XXXX XXXX XXXX - to pay the 3 months left on the lease. 

Ford Credit then noted on my credit report that the lease was paid late which was not true. Until I turned it in, I always paid on time and more than due. 

Further, when I disputed the information, Ford changed it from late to a Charge Off which is further damaging my credit report. This is being done in retaliation for me disputing at all. 

The harassment which came at me from not only the attorneys Ford hired but also from XXXX XXXX XXXX Dealership was extremely upsetting. I have XXXX from domestic spousal abuse and was going through horrific divorce at the time. What Ford, their attorneys and XXXX XXXX XXXX put me through did not help my XXXX at all but just made it worse. 

I need assistance in getting this resolved. I have the email from XXXX XXXX XXXX documenting the agreement to pay. This should not be a charge off. I did all I was supposed to do. It was Ford 's own agent who failed and lied to me - customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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