BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-10-28
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: AES/PHEAA
State: DE
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a student loan with AES/XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XX/XX/XXXX showing a " paid charge off '' with AES..and a " paid coll '' with XXXX. 

This week when my report was pulled the AES now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by AES and not by the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$3300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2015-03-19
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a PNC account on XXXX XXXX 2014. The promotion was for {$200.00} if I had a direct deposit of at least 700 dollars and XXXX bill pays per month. I signed up for the bill pay and the direct deposit. Prior to signing up i called customer service a few time to confirm the promotion. I was told that I should be set up and the promotion should pay in XXXX. I followed up at the begining of this month only to learn from an associate that the account is set up on a promotion to receive a 200 dollar credit for a 2,000 dollar monthly direct deposit. That is not the information that I received on the promotion. Nor is it what i was it the information that I received from the customer service representatives that I talked to. I did everything that was asked of me, and they changed the rules. I spoke to a supervisor and she told me that she cant pull the phone calls because the conversation was too long ago, she asked that I provide the link that I received the promo offer for. Unfortunatly, I no longer have the link ... 5 months later it is hardly likely that I still have the link that I went to to sign up. Its unfair to trick me into getting an account that charges me 15 dollars per month and not receive what was promised to me. I just want the credit that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )

Company response to consumer: Closed
Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account permanently limited without explanation. Funds, including BitCoin being held for 180 days. 

On XX/XX/2021 I received an email notification that my PayPal account has been permanently limited without explanation. I have been a customer for well over 12 years without any issues or disputes. Included in my funds is {$310.00} and an amount held in BitCoin, which at the time of this writing is {$85.00}. A service which PayPal offers. I am unable to sell my holdings in BitCoin as my account is now limited. 
I'm disappointed in my loss of account as I use PayPal frequently. I understand I should receive my funds after 180 days, however, I am greatly concerned in losing the ability to sell my holdings. If the price of BitCoin drops, I will have no way to sell which could lead to a loss of money. 
Account ID : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I ordered an XXXX gift card on XXXX for {$480.00}, I paid through PayPal, {$4.00} of it with an XXXX  coupon and the other {$480.00} with my XXXX credit card, but right away the seller cancelled the order, saying they were sorry but it was already out of stock. 
On XX/XX/2019 PayPal emailed me saying " The money has been refunded to your PayPal Cash Plus balance. It will be made available on or around XX/XX/2019. '' but that refund never actually happened. 
On XX/XX/2019 the seller messaged me that I need to file a PayPal claim to get refunded, so the next day I filed a claim, which was closed in my favor shortly after, but no refund actually came, even though I emailed and called and chatted with PayPal many many times. 
Eventually a PayPal representative on the phone said I should just file a claim with my credit card company ( XXXX ), which I did 3 times, but every time XXXX closes the case in PayPal 's favor, saying PayPal is the party that's supposed to give the refund, like they said in the email to me on XX/XX/2019 mentioned earlier. 
Every time I reach out to XXXX they say I need documentation from PayPal proving the refund is supposed to go to my XXXX card ending in XXXX, but every time I ask PayPal for that documentation the representatives say they're not authorized to provide any documents like that, even when I ask to be transferred to someone who can they always say no. When I beg them they just say obviously the refund was supposed to go to the original payment method but we can't put that in writing. They also sometimes say we can't help you with this transaction at all since you already did a chargeback with XXXX ( but I only did that since PayPal told me to ). 
I'm including my PayPal statements from XXXX and XX/XX/2019 to prove the refund isn't there, and I'm also including proof from my XXXX account that I didn't get the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is infuriating! The Credit Reporting Agencie have become negligent of the Fair Credit Reporting Act section 605b, which requires the Credit Reporting Agencies to remove any fraudulent accounts and information being reported on my Credit File! However, despite the countless dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus, the Credit Bureaus seemed to not give a damn about my Credit File! They have bee climing that the disputed accounts and information are verified and yet they have been failing to send me copies of proof of verification in which I have been requesting from them for the last 1 whole year! I am tired of all this! This is going to be my last CFPB complaint to be submitted befoe I will file the lawsuit that we have been preparing against the Credit Bureaus! To the Credit Bureaus, if you think it will be easier to deal with a lawsuit than to remove the disputed accounts and information, so be it. But let me remind you that you got a one whole year to remove the following items and yet you opted not to : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}

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 2016-07-05
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information. 
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2015-12-02
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2016-08-02
Company: Van Ru Credit Corporation
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a student loan in which I have been done both consolidation and rehabilation but I defaulted again. My check was being garnished as well as my Federal Income taxes have been taken. I borrowed {$20000.00} to go to college. After defaulting on the consolildation it went up to XXXX after failing to comply with that going into default my student loan became {$39000.00}. I admit that I have not taken care of this matter as best I should have But I think my rights as a consumer is voliated when I am told by the Collecting Agency that payment that were taken by garnishment do n't really count as payment because I did not make any voluntarily payments But Van Ru has garnished by pay for over three years as well as my income taxes are being kept. I know that Van Ru is being investigated for charging outrageous interest on student loans. I know that over {$40000.00} have been paid by me either directly or taken through garnishments or taxes. I will like to know why I was told by Van Ru that there is nothing that I can do to ever come out of default with my student loans. I think that is a punishment which is to severe. I will like to know my true total that is owe to Federal Student Loan. I am trying to get out of default with my student loan, I think it is ridiculous to say that I still owe {$60000.00} in student loans when you look at my payments I have paid well over the {$20000.00}. that I have borrowed originally. I have signed up for student loan forgiveness programs and paid but I was told that I do not qualify for any programs to come out of default. There are student loans forgiveness program that are out taken consumers money..When they do not have the ability to help you. But they are charging these outrageous fees. They tell you that it is a money back guarantee. I paid an agency that promised to assist me student loan forgiveness and they just took my money. I understand that I allowed my loans to go into default. But to take my through garnishment and taxes and tell me that the payment are going towards fee charged by the agency and interest. But yet no even making a dint in the principal which is about three time what I have borrowed. How many times am I going to pay {$20000.00} that I originally borrowed. This is wrong on so many level. It is inhumane.

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