BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2020 I used PayPal to pay {$130.00} for XXXX XXXX feet wide Patio umbrellas. I received an item worth less than XXXX us dollar, eye glass cleaner by XXXX XXXX. I contacted the company XXXX XXXX, got no response. I contacted PayPal to dispute the charges as outlined in their buyers protection. PayPal has given me the run around on this issue. I included to PayPal the original invoice that shows I ordered large outdoor Patio Umbrellas, I included pictures of item received, XXXX XXXX. PayPal sent me another email on XX/XX/2020 that they needed more information, When I logged onto my PayPal account it said I needed to respond with more documentations by XX/XX/2020! .. It just seems I am getting the run around with PayPal now. I gave PayPal all the documents again and included the new report to the FBI online scam complaint also. This will be my 3rd time I have bought items online and used PayPal as the money service that it was part of a scam. So far in each of these times it seems PayPal 's buyers protection did not work in my favor or helped me. It just seems PayPal protection is just words.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :

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 2022-11-24
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX CREDIT BUREAU COMPLAINT : There is an Unknown yet validated account reporting on my Equifax credit file with an account number XXXX. 
I have been advised by legal counsel that partial account numbers are not acceptable and is reporting out of compliance with the FCRA and since it has hindered my investigation it is an negligent act of the furnisher and Equifax. 
There has been no mention on the report that this account has been disputed due to identity theft and is also out of compliance with the FCRA. 
There has been no mention of my dispute submitted in XX/XX/2020 regarding this account opened as a result of identity theft and disputed reporting under # XXXX and there is no mention of the prior dispute of # XXXX an unknown account also opened as a result of identity theft. 
In XX/XX/2020 I contacted the Fair Trade Commission regarding the Identity Theft and the noncompliance of the furnisher and Equifax. 
Along with written requests mailed to both the furnisher and Equifax to remove the information I sent the FCRA 605b and instructions to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA.

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). 
I have to date not received a reply from the creditor and subsequently with the advise of the FTC I mailed to Equifax my ID Theft Affidavit and letter of request to remove the fraudulent account on XX/XX/2020 and again XX/XX/2020. 
I also advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NJ
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: DigniFi
State: NY
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:
In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called Dignifi. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called Dignifi and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from Dignifi and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I did not take out a credit card with XXXX XXXX nor have I lived in Indiana, this is fraud.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX and # XXXX ; XXXX  XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX? Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-02-15
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted an application to Navy federal I was told to wait 15 business day for a reply. This was back in XX/XX/XXXX. I called in XXXX to check my status of my approval. I was told I had to send in an appeal. I went to my local branch where a representative contacted customer service to advise the information. Then rep was then told I had to submit an appeal. I submitted an appeal on XX/XX/XXXX. I waited 15 business days. I called on XX/XX/XXXX to see if my appeal was received I was advised no, I had to resubmit the information. I resubmitted the documents via email on XX/XX/XXXX. I called again on XX/XX/XXXX. I was told by a representative, my application was denied due to fraud. I told the rep, it was not fraud it was myself. I submitted some incorrect information which is why, I was told to submit an appeal. I asked to speak with a manager to have this escalated. I was advised by a customer service manager, " if I want this account open I have to continue to wait '' then I was disconnected on. I asked the manager was this the process Navy Federal takes in regards approving a veteran for an account. The manager refused to answer my question, then disconnected. Because I do not have an account yet established with Navy Federal I was not able to get the manager 's name. I'm sure its recorded. In which it defiantly need to be reviewed. The manager I spoke with was rude, unprofessional, and showed lack of empathy. I felt like I was bothering her, just trying to get my questions answered. Why ... why hasn't this been taken care of ... .. I was told its sitting in a queue that hasn't been worked yet. So the queue hasn't been worked for going on 3 months??? I highly doubt that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report today XX/XX/XXXX because I found five accounts and a few inquiries on my credit report that do not belong to me. My personal information was stolen on XX/XX/XXXX including my ID and Social Security Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts. I need these accounts blocked as they are results of identity theft and do not belong to me. All my statements in this narrative are true and correct without any omission of facts.

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 2020-07-20
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payoff sent to creditor and received XX/XX/XXXX which is verified by USPS  tracking and employee response. Response states it was received on said date but at XXXX. Payment would need to be received on said date to avoid late fee. Fee was waived on XX/XX/XXXX after confirming payment was signed for on XXXX. 

Latest representative response is refusing to refund one days worth of interest occurred on XX/XX/XXXX. 

This amount is approximately {$7.00} based on loan amount of {$46000.00} for 84 months at 5.84 %. 

Resolution is to refund said amount of interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.

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 2020-07-20
Company: AES/PHEAA
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had submitted a public service forgiveness loan form for service starting XX/XX/XXXX and submitted this in XX/XX/XXXX. On my form it clearly stated " STILL EMPLOYED ''. Fedloan sent me a letter approving my PSLF and stated that the qualifying employment start date was XX/XX/XXXX and end date XX/XX/XXXX. I called Fedloan and they transferred me from their regular line to the PSLF line. The woman on the phone ( EMPLOYEE # XXXX ) stated that the " end date '' is indeed valid because when you submit the form that is the end date of your qualifying period. I told her that I was still employed and that did not make sense. I also asked her why the date of qualifying employment was XX/XX/XXXX and she fumbled to make sense of that and stated " I would just ignore that date ''. I refused to " ignore '' this since it is not the first time Fedloan has made SERIOUS errors on documents required for student loan repayment. I was then transferred to a supervisor after requesting this, and it was indeed an error on their part - and I quote - " simple oversight ''. This is far from a simple oversight. These " simple errors '' are SERIOUS ERRORS that impact hard working American 's financial futures. No excuses, and all of this occurring DURING A PANDEMIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2014 the amount of XXXX is reported to XXXX and has a social security number that doesnt belong to me and an address Ive never lived at.

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 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was at the Airport and the XXXX rep stated that the XXXX XXXX American Express waives annual fee for their cards to military members. That is what made me apply. I applied and was granted the card. About three weeks later I was billed the annual fee. When I spoke with someone they advise for me to apply for the SRCA, which then I was denied. I have been dealing with this for over 3 months. I have contacted via email, phone, and chat. My chat is below. I can not speak with anyone in the department but was told that my account was reviewed for MLA when it was first open and did not qualify. 
Yet the reason why I can not get SCRA is because I was on orders when the card was opened. The company has refused to apply MLA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: PNC Bank N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I needed the funds from my PNC accounts I had both a checking and a savings account. I called on XXXX and spoke with an agent that promised to close my accounts but told me there would be a single {$25.00} fee. The agent told me they could file a dispute on my behalf to get the fee waived. On XXXX I called again because only one account was closed. Again the agent told me I would be charged a {$25.00} fee to close the second account but that they would get a manager to waive the fee. I was assessed a second fee. I called on XXXX and spoke to a manager who told me the fee could not be waived. I was contacted by a department within PNC who reiterated they would not refund my fee. The last representative I spoke to, XXXX XXXX, confirmed that my accounts carried no minimum balance requirements. The two customer service agents each had the opportunity to help me get my money without charging me the fee, both agents implicitly promised me I would be able to get the fee waived, and no one at PNC has been helpful at recouping the money erroneously charged in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15
Company: Mendelson Law Firm
State: TN
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:
On XXXX XXXX, 2017, I received a letter from Mendelson Law Firm - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for {XXXX from XXXX XXXX XXXX XXXX ( USA ). I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''?

When I checked on XXXX XXXX XXXX XXXX website, it shows they hire a third party, XXXX XXXX XXXX, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence.

I have cc : 'd all correspondence to the XXXX XXXX XXXX in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages.

What 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 2023-06-01
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation