BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: TRANSWORLD SYSTEMS INC
State: NC
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:
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however transworld systems picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a heloc account with my rate as Prime minus 1.1 % When the Federal Reserve raised the rates, PNC followed suit. However, when the Federal Reserve lowered the Prime rate a couple of months ago, it did not lower my rate. My rate currently is 4.4 % and Prime is 5.25 % As a result, I have been paying higher interest rate for last several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX ( {$420.00} ) and account # XXXX ( {$370.00} ) which you claim I owe. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Be advised I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Account information incorrect

Complaint:
TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

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 2019-04-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I opened a second account with PayPal for my new business. I thought I could use a pseudonym when opening the account as this was for business purposes, and since I already had a personal account. I used all my legal information such as my SSN, address, and phone number, but used a different name. 

After opening the account, I made some sales, and had {$10000.00} deposited into this account from the sales I made. 

When trying to withdraw the money, they put a hold on the account and asked that I verify my information. I sent them a copy of my drivers license ( which has my picture, and address, social security card, and bank statements ( which also show my name and address ). They rejected these documents but gave no reasoning. 

I called them and asked why they were withholding my money, and why they are doing this only AFTER the money was deposited. They told me that because my PayPal name didn't match my legal name, they were withholding the money for 180 days. So I asked what I can do to change this, and they directed me to the settings on my account which allows for a name change. The settings state : Update your name ( use your full name instead of a nickname ) ( I am attaching a screenshot of this setting ). So I proceeded with this change, I submitted the docs they required for this which is my drivers license and my bank statements. After submitting these documents, they sent an email stating that they reject the request. 

I then called them to inquire why they rejected it, as I followed their instructions, and the instructions on the page specifically states that I am able to make a name change. They told me that the name change is only for businesses, but when I told them that the account is a personal account and not a business account, so how would they have business settings on it, they changed their story and said the name change setting is only if your name is XXXX and you used XXXX or if your name is XXXX and you used XXXX to open your account. I asked them to direct me to this in their policy as I couldn't find it anywhere and they told me they couldn't and wouldn't talk to me about it any further. I asked to be directed to a supervisor or manager that can help me with this situation and was told that this was as far as I can go, and that they wouldn't help me any further. 

This money is my what I have to live on. I have delivered the products to the buyers and need this money to pay my bills. I can't believe that PayPal has acted in this manner and is now refusing to allow me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
TO CFPB- THIS IS LAW- THIS COMPANY HAVE TO ABIDE BY LAW AND YOU MUST SEE THAT THEY DO OR YOU WILL BE IN VIOLATION : Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt PER LAW, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

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 2019-04-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to solve the issue of who has my loan and who to pay my balance to. I been contacted by a collections agency for a delinquent account for over a year and then in XXXX of 2018 sent the collections company ( XXXX XXXX XXXX ) a loan validation letter to confirm they have permission to resolve my debt. I have yet to hear back from them since. Though with the NUMEROUS complaints and recent lawsuit with my loan servicer, I have no faith in their advice or information about my account. I don't know who to turn to and am looking to resolve this so I can rebuild my credit and one day begin enjoying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
An account named " XXXX, XXXX '' has been reporting inaccurately on my EXPERIAN credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EXPERIAN keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EXPERIAN 'S mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!

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 2018-01-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. 

The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has not been able to resolve the issue of me being locked out of my account for 2 months now. I 've provided all the information required and they still ca n't confirm when I 'll have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Stopped receiving my monthly statements 4 months ago. Contacted AMX 12 times during that period complaining and was told my account was being placed on hold and no payment was required until they could resolve this issue. Account was then closed and reported as late and closed to the bureaus. Disputed this status and was told there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MA
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:
identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: IN
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:
I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

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