BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC Bank has taken over my accounts @ BBVA Bank. In some 2 months since the takeover PNC has failed to provide new checks and debit cards or any materials required to use the new account with them.. Repeated calls to their " customer service '' numbers have resulted in waits on " hold '' in excess of 40 minutes and resulted in no one who has been able to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Chime Financial Inc
State: AZ
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:
I wasnt informed that my account was closed due to negative balance but I have been out of work and homeless since XX/XX/2022. I just recently was told my taxes would be released and chime will not reopen my account even tho I agreed to pay the negative balance. I really need my account reopened please I need my money to get my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Paypal Holdings, Inc
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: Was not notified of investigation status or results

Complaint:
On XXXXXXXX XXXX,2023 i recieve of {$47.00} USD as digital good games.Transaction ID : XXXX On XXXX XXXX2023 Paypal decide to permanently limited my Paypal account and I am not aware of what Paypal reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Citizen and or XXXX XXXX has reported adversely an account on my credit report that I have never had. On one credit reporting agency it is reported as a student loan and another as an installment loan. Both accounts have the same alleged account number credit limit and balance. Verification has been numerous times. I have requested an investigation and validation of the credit reporting agencies as well. I have requested a 1099 OID with no response so that I may verify information with the IRS. No response has been received to validate the alleged accounts. I have only received noncertified copies of statements that could be from previous accounts. 
These actions have gross disregard for my rights and are blatant violations of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2021-12-29
Company: National Credit Systems,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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, Pain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUBMITTED A COMPLAINT ON XX/XX/2018 COMPLAINT XXXX AND XXXX responded back and they sent over a bill with a incorrect address on the bill ... I XXXX XXXX never seen this address as it is listed on the bill from XXXX XXXX XXXX. the address listed on the bill is XXXX XXXX XXXX XXXX,, XXXX XXXX, ,XXXX XXXX   ar XXXX,, I have never lived at the alleged address,,, u can look at my credit file and that address is nit listed on my address with all three bureau,, this is not my account as that address is not assioated with this XXXX XXXX ... .please remove the account from my credit file,,, its it not valid to me XXXX XXXX , ,, never lived at that address.,,,, I have enclosed a copy of the bill that XXXX  XXXX as responded with,,, and that address is not XXXX XXXX ... .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$380.00} and I never received information to verify and validate the debt.

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 2019-08-20
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: Was not notified of investigation status or results

Complaint:
have requested proof of the original obligation and documents as well as the below I am requesting that XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX  Phone: (XXXX) XXXX-XXXX you provide verification of this debt. your account nmber ending in XXXX ,XXXX  each in the amount of $XXXX and beginning with XXXX for XXXX dollars I requested that they Send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision. Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA) the main federal law that governs debt collection practices see 15 U.S.C. § 1692. I dispute the information contained in my XXXX  credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via Zelle from my bank at XXXX  XXXX XXXX. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via Zelle again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called XXXX XXXX  XXXX on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at XXXX XXXX XXXX told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called XXXX  XXXX XXXX back and they told me they denied my claim and I can not appeal any Zelle transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help XXXX  XXXX XXXX can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: KS
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 submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. Suddenly They limited my account and asked me to submit documents. In time, I have submitted the documents I never disobey their policies and always done my business 100 % legally, correctly and responsibly. After submitted and reviewed They emailed me saying my account restored, But that's not. 
I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days, but I just remembered I could file a report on here as I feel they are not doing their job properly, and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is 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 2023-05-02
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
In XXXX I filed this complaint and and it still has not been resolved. I submitted the forms through and HSBC affiliate in XXXX and never heard back from XXXX or HSBC. 
My original complaint number is : XXXX In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX an affiliate of HSBC ) and XXXX {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on HSBC Bank, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my US bank ( XXXX ) and stamped " XXXX XXXX XXXX  ''. They issued me a check in XXXX of the original ( see attachment ), which I then attempted to deposit at Bank XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. Since I was no longer in XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a XXXX. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXXHSBC XXXX HSBC Bank XXXX XXXX I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: BMW Financial Services NA, LLC
State: CA
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:
From XX/XX/XXXX through XX/XX/XXXX, I had an active account opened with BMW Financial Services for my XXXX XXXX I had purchased through the dealership XXXX XXXX XXXX. BMW Financial Services reported an inaccurate late XX/XX/XXXX payment to XXXX, XXXX, and XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX and I purchased two money orders at the United States Postal Service on XX/XX/XXXX ( one payment for {$1000.00} and one payment for {$280.00} ) I was charge small fees for both money orders including a postage stamp to mail the money orders to BMW Financial Services. The total amount for this transaction was {$1200.00}. In addition, the two money orders were mailed by regular mail on XX/XX/XXXX and the {$1200.00} transaction shows on my XXXX  XXXX XXXX account statement ( under withdrawals and other subtractions ). On average it takes between 2-7 business days for regular mail sent from California to arrive to Ohio. BMW Financial Services has inaccurately noted that my payment was received on XX/XX/XXXX ( even though it was mailed on XX/XX/XXXX ). I have mailed money orders by regular mail prior to XX/XX/XXXX and I was not considered 30 days late. On XX/XX/XXXX, I filed a credit dispute directly with BMW Financial Services and they noted in their investigative report dated XX/XX/XXXX that they only received two payments ( one payment for {$1000.00} and one payment for {$250.00} ). Both of these amounts noted in their investigative report are incorrect as I have a copy of my BMW account statement for XX/XX/XXXX which shows the correct amounts ( {$1000.00} and {$280.00} ) was received. The XX/XX/XXXX late payment reporting made by BMW Financial Services has adversely impacted my credit scores with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: AL
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 XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.

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