BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Paypal Holdings, 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 the XXXX of XXXX, I request a transfer of funds to PayPal from one of my PayPal accounts to another one, submitting all the necessary documents required. These documents specifically were : A proof of my address in the form of a bank statement, my work permit as a way to confirm my identity and finally my passport. Per the information provided by the customer service, this process at most would take five days to be completed. 

On XX/XX/XXXX, I called to costumer service check up on the process of this transfer as a significant amount of time had already passed. After being told the documents provided were " not enough '', even though they were submitted and met all the requeriments given to me by the PayPal employee, I once again submitted the documents. I was told in the next couple of days I'd have an answer to this issue. 

On XX/XX/XXXX, I communicated once again with costumer service and once again I was told they rejected my documents, stating they were " not in the right format '' even though the format I sent them in was the one instructed by me the customer service representative ( PDF ). Once more I uploaded the documents per their instructions ( now as Pictures ). They were checked by the representative and assured the documents met the requirements and would just be a matter of a couple of days until the transfer was approved. 

On XX/XX/XXXX, I called customer service to know what was the status of the process. Important to note at no point did PayPal communicated with me they were having issues with my documents. Had I not constantly called, this piece of information would have never been shared with me. Speaking with several customer service representatives I was once again told my documents didn't meet their seemingly ever changing requirements and thus my request had been rejected. At this point I uploaded my documents for the 4th time, got assured by the customer representative my request was given an " urgent '' state and thus should progress swiftly and I should have an answer by the next 24 hours. 

On XX/XX/XXXX, I was told by the customer service representative that since I uploaded the documents once again I now had to wait the original five days for them to review my documentation, completely contradicting what I was told just the day before. 

I own both accounts and I need to do the transfer of funds, yet time and time again PayPal and its representatives have put obstacles after obstacles through this process, with no clear requirements for the documentation required, with no apparent guidelines for their representatives as to how this process work and no communication whatsoever on their end with me every time they have rejected and put a stop to my process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My report is being used improperly and violates my rights as a consumer under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : 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 2021-10-29
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2019-07-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Equifax allowed my identity to be stolen. They give me free fraud ins. for a yr. That yr. passed did not have any problems. Then they handed over my information to XXXX. a subsidiary of XXXX. Well in XX/XX/XXXXof this yr. I sold my condo and moved. To XXXX TN. Some one had turn in wrong address to XX/XX/XXXX. They also had wrong ph. no. that did not belong to me or my wife. When I went to get my Power turned on with XXXX XXXX XXXX. They said I did not exist. No one explained to me that XX/XX/XXXXhad locked my credit, and froze it. I did not know what was going on. So I checked online and ask for my credit score and report. When I got my sc ore it XXXX.After much time consuming research I found the errors on my credit reports. I had to request wrong addresses be removed by writhing, and wrong ph no. by writing. Then it took 30 days for them to agree I was right. Your folks make the rules. No information should be allowed to be changed on a consumers report with out vetting it by the consumer his self. I creates a weak link .Like if someone had my ssa no. and my personal data, and they do because of Equifax allowing a breach. Well all that person has to do is feed the know it al consumers credit reporting co. enough wrong information. Seeing how it is not vetted with the real person. Your policy 's has created a window for the fraudsters. Any change to my profile should be checked out by contacting the individual. Identifying they have right person, and ask is this correct. I should not have to got thru XXXX and half of Ga to get something removed on my profile I know is not correct. Also I Want Equifax to know the pain and suffering they have put this XXXX yr. old man thru and it will go on till I die. What would you do if you was me. This is no hayride. It a XXXX   nightmare.Thanks youj

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 XXXX - XXXX ( XXXX XXXX  ) Venture XXXX Capital One Card, down grade to avoid the annual membership fee I called today to avert the annual fee of {$95.00} the original customer service transfer me to retention department. The retention customer service name was XXXX XXXX Emp. ID XXXX - provide by her superior ). 

XXXX told me I could down grade - although they call it upgrade. To a card earns 1.25 miles per every dollar instead of earning 2 miles per every dollar now. This could avoid the annual fee. After simple disclosure she stated I will receive my card in the mails. As we are near end I told her what about the {$95.00} dollar just posted which prompted my phone call. She then tells me she can't waive that fee. I told her why would I pay the fee then down grade myself? The whole purpose of the my phone call was to avoid this fee. If your intent to still charge the fee it defeat the purpose of the down grade. Then she tells me there is no way for her to waive the fee nor she could reverse the action of the down grade. 
She mentioned, all the details of the new card will be mailed yet she stated she satisfied her obligation explaning the details. It seems she didn't care if I closed the account and she was supposed to be in retention department. 

I requested to talk to her supervisor then she transfer me to XXXX-Emp ID XXXX from XXXX, Virginia. 
When I tried to explained the situation. The supervisor was indifferent and stated the same thing saying I am stuck with {$95.00} annual membership but still stuck with the down grade. She stated there is nothing she could do and seems eager to assist me to cancel my card. When I raised the issue about my existing point she tried to explain deeply discounted rate where I would be disadvantaged if I were to cash in unused XXXX points. It would worth over {$550.00} but wanting to give half of that amount in credt. 

I think I was being prejudiced because I had strong accent. I clearly, I explained why I wanted to down grade to avoid fee. And solution was down grade to no fee card. The supervisor indicated that's what other customer service did for me. 
But I told her whole purpose was to waive or get rid of this renewal fee that was charged. 

I would like to complaint there was inadequatly explanation of terms and condition of down grade. And misled waiving the fee for down grade. Once this was done blaming Capital One system not able to reverse the action nor making simple remedy to waive or credit the fee. It seems customer service are blaming the customer for inadequate understanding and same time blaming their system that they can't do nothing for the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
My brother from XXXX sent money for me from XXXX by wire transfer he sent XXXX in a US dollar currency to my bank account here in TD bank In New Jersey, the money came here as {$4700.00} and plus they charge me XXXX $ wire transfer in different transaction, I called and complain, customer service left me in hold for around 2 hours, their answer is they see money transfer in us dollars but it changed to XXXX dollars then changed again to us dollars, I don't know why and they can't help me to dispute or to ask why, please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-04-12
Company: EQUIFAX, 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:
Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file ASAP. Thank you, XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Previous complaint in file with Comenity/Victoria Secret . Issue not resolved and creditor continues to bill with late fees and interest on a closed account. Extremely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2021-10-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Visa card serviced by comenity charged me twice in the month of XXXX for payments- once for {$810.00} and another time for {$970.00}. I only approved/made the payment for the amount of {$970.00}, the {$810.00} was taken without my permission. 

Since then, its been a mess. They claimed to send a refund check in the amount of the {$970.00} and applied the balance of {$810.00}. I have not gotten a refund check. As a result my personal checking account has overdrafted three times and I still have not gotten a refund check to date ( XX/XX/XXXX ) This month my XXXX statement balance for the card included the amount of {$970.00} in addition to the other things I purchased. After calling they claim I owe both amounts as the because I did technically not pay the XXXX statement of {$970.00}. But this amount was not owed to them, it is owed to me. They claim they have sent out another refund check and that I owe the {$970.00} plus whatever else was charged. Im still waiting on the {$970.00} refund check. 

Something is not adding up and I have reached a road block in communication with them regarding this after several message and a long call. 

Please assist of you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: SLM CORPORATION
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sallie Mae. 
3 promissory loans included in my XXXX  XXXX XX/XX/XXXX On XX/XX/XXXX they sent a letter indicating a party on the loan has filed for bankruptcy an automatic stay you will not receive correspondence, including billing statements, for the duration of the bankruptcy case and online access will be unavailable. In addition, any pending loan disbursement or future schedule payments have been cancelled. 
They have cancelled receipts of future payments for 55 months. 
On XX/XX/XXXX, they received notification of discharge from bankruptcy. No objection was submitted fully aware no payments have been received. These are promissory notes -unsecured loans. They began to send letters for payment and I explain per their letters if you have been in bankruptcy let them know, I did. But they already knew that. I am also going through a divorce. I did not receive any educational benefit from the loans, they were past statute for collection. They state they are defined by IRS statue, I explained 2 people can not claim the same exemption., the borrower or the co- signer. Both did not get the same benefit. They subsequently send letters stating they will be charged off, and 1099 C, Cancellation of debt will be issued..

By sending a 1099c this now become income, and not a debt. When this becomes taxable income it is not longer a debt. you can not collect on income. This has to be removed from my credit report. they cant have it both ways. In addition, when I contacted the credit bureau because they listed it as a charge off instead of bankruptcy the changed the dates as write of XXXX to keep on credit record till XXXX. 
It should be removed effective immediately for the deceptive practices on all three of my credit reports and the joint borrowers. 
these are abusive and deceptive practices i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 filed several disputes with XXXX and Transunion about inaccurate information on my accounts and every time the results come back accurate or verified but I am never given any proof. This same inaccuracies were on my XXXX report which was removed. I dont know why XXXX and Transunion can not follow the law and provide proof that the accounts belong to me or show me the proof that the credit validated the information. I will attached the report number and date of my last results. Please remove negative items. This shows how credit bureaus try to systematically keep people of XXXX down. It is a law and they choose not to follow it.

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