BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a {$10000.00} payment to my contractor for work in my home by Paypal. 
The money was immediately deducted from my account. 
As of today, XXXX XXXX  is still unable to retrieve or collect the money. 
Paypal told him to cancel his business account, and open a personal account. 
I am unable to cancel the payment, or recall the money. 

Transaction Transaction ID : XXXX I spoke to their customer service representative, and even escalated to a supervisor, but they will not return my money, and the recipient still can not access the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: FL
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 dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXhas violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: VA
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:
These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet Equifax and XXXX still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a fake call saying they are from Macys! They ask for some female! I do not have a Macys card and I thought they were out of business. When I manage to get someone on the phone they have a very heavy accent and have the nerve to ask for my XXXX #. Of course I am not that XXXX They call at least once a week. The telephone number they are clg is an emergency landline for only two people : My wife & a daughter! In case I can not be reached by my Cell phone number!

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 2022-06-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was laid off due to Covid-related issues. I called Navient on XX/XX/2022, regarding my private loan and was told that I could put my account in forbearance until early XXXX due to my situation. I paid {$150.00} to put my account into forbearance. Then I called back in the first week of XXXX XXXX XXXX  and told them that I would be unable to continue paying for forbearance because I was still job searching and still unemployed. I asked them if I could get income-driven payments or receive any kind of support program due to Covid-related issues and they said no, that it wasnt even an option but that I had three months AFTER XXXX before my before my account became delinquent so I had a little bit of time. It is XX/XX/XXXX, not even a 1.5 months later, and I looked on my credit report, and my student loan accounts are delinquent. I looked over the fine print of the late notice that Navient sent me ; it says nothing about the DATE for which delinquency would start even though I was very clearly verbally given a 3-month window. ( I am pretty sure Navient has this conversation recorded for their records. ). Navient clearly does not care to give me options to help me during this difficult time, and they also gave me false information, and now it has very adversely affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: GA
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:
Under 15 usc 1681. XXXX  account # XXXX has violated my rights

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 2022-06-26
Company: Experian Information Solutions 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, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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 also states a consumer reporting agency can not furnish a 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Under 15 usc 1681. XXXX account # XXXX has violated my rights

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2023-10-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX of XXXX, i had a major home repair that was unexpected. My well on the property was found to have run dry, and resulted in me having to find a way to pay XXXX XXXX dollars to provide myself and my family the most essential resource to survive. Since then, i have been trying my hardest to dig out of that debt, all while dealing With the hardships that affect many americans resulting from XXXX. Since that point, i have worked hard, long hours at my current job in XXXX. I have furthered myself in my job, and lost countless hours with my family as many people have just trying to make ends meet. PNC has not helped in any sort of way to help me get back on track. Charging me {$140.00} in overdraft fees in XXXX, and a whopping {$720.00} in XXXX. I was not the most finacially literate person, and on numerous times overdrafted the account just to be able to survive. On XX/XX/XXXX, PNC offered to reimburse a measely {$140.00} out of the {$860.00} i have paid them in overdraft fees. I don't believe this helps anybody dig out of a hole. I am attempting to get together an itemized list of the overdrafts, and will send you them at your request. Thank you for your time in this matter, and i hope to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/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 non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from all 3 of my credit reports as soon as possible. 

XXXX XXXX XXXX XXXX OPENED:XXXX {$500.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$870.00} ( XXXX  XXXX ) XXXX XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$820.00} ( XXXX  XXXX ) XXXX XXXX ACCT : XXXX OPENED : XX/XX/2022 {$1200.00} ( XXXX XXXX ) XXXX XXXX XXXX ACCT XXXX XXXX OPENED : XX/XX/2022 {$1000.00} ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota motor credit 2018 XXXX XXXX XXXX was paid and never a collection account Account # XXXX I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified this account was paid off by insurance and gap coverage and was never a collection account and needs to be updated as. 

I request you provide proof of this account being late. This account was paid in full and was paid off. 

Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late Once you have finished your investigation, send me a update credit report to the address stated above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
-XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 also states a consumer reporting agency can not furnish a 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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use online bill pay. I established a new recipient within my banking system on XXXX XXXX, providing all required data ( e.g., account info, address, phone, etc. ). I scheduled a payment and noted the " due date '' was XXXX XXXX. My expectation was the check would be received by the recipient within a day or two of XXXX XXXX, understanding that XXXX XXXX is a Friday and perhaps mail would be delayed by a day or two. On XXXX XXXX, the recipient emailed to note they had not received the check. I called the bank to inquire. The bank confirmed the recipient was established on XXXX XXXX and a check was issued and mailed via US Mail on XXXX XXXX. On XXXX XXXX, I will incur a late fee penalty, unless I pay electronically at additional expense. This " delay '' in check receipt has happened at least three times in the last two months. My primary complaint is that I established a due date based on my billing cycle and communicated that to the bank. The bank established when a check would be sent to achieve that due date ( within reason ). However, the system isn't working well and the bank is essentially shrugging their shoulders and blaming the US Mail. The bank did agree to pay any late fee ( if requested ) after they conduct an investigation. Which means I would have to initiate that for each occurrence and hope they accept responsibility - I have my doubts.

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 monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX est, XXXX, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

EQUIFAX : Addresses : XXXX XXXX XXXX  XXXX, GA XXXX, XX/XX/XXXX Accounts : XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX  XXXX  : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a victim of ID theft. I noticed on my credit report on approx XX/XX/2023 that I had late payments to a XXXX  XXXX XXXX XXXX XXXX  that I never applied for. XXXX XXXX claims they began an investigation but then proceeded to sell it to a collection agency in XX/XX/2023, while failing to notify me, no mail, no email, no phone call. I followed up in XX/XX/2023 with them and am hearing for the first time that they disagree with my ID theft claim because the address and phone match my records. I ask them why wasnt I notified and they claim they did notify me, which is inaccurate. 

XXXX has violated my rights with their XXXX XXXX XXXX team which is handling my case. They do not understand consumer protection laws like the FDCPA and wrongfully came to the conclusion I was not a fraud victim. My phone number was spoofed via sim swapping and my SSN along with address and License has been for sale on the dark web and I have a documented history of being a fraud victim.

Company response to consumer: Closed with non-monetary relief