BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by Transunion, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

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 2017-08-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

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 2021-04-17
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to withdraw XXXX euros from binance to a XXXX XXXX XXXX XXXX  a month ago, but the bank rejected the transfer. I was hoping to see XXXX in my wallet but I havent received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2019 at XXXX and XX/XX/XXXX at XXXX I received phone calls from ACEI. They did not leave a message and upon returning the calls both times I was routed to a voicemail. I contacted the company this afternoon and the customer service was lacking to say the least. I understand it is collections however the representative was less than helpful. I was transferred to yet another voicemail to leave a message.

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 2022-03-04
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC Bank didn't notify account holder of account closure. Bank card type Prepaid / Cash ( Smart Access ). Account receives Direct Deposit from XXXX, XXXX. 

Bank declined to disclose particulars to reason for closure. Bank account active since 2018. 

At this time ; bank balance remains unknown/ not in the account. After bank cleared direct deposit, it resulted in bank closed account. Account holder contacted number provided to this service, although was told " bank reserves the right to terminate relationship at anytime ''. 

Account older has no funds due to this unexpected closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Pacific Credit Exchange Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This creditor has harassed me, provided false information and they repossessed my car the day I went in to make a payment and would not allow me to make the payment and get my car back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I dont know this company never had any contract with them and its saying its open.also Wells Fargo was paid off and XXXX and still showing on my report would like removed

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 2022-08-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has dropped my credit score significantly XXXX points because my usage went from 19 % to 21 % This error is affecting my credit negatively. There is also incorrect information and a fraudulent account that I have disputed that has not been removed even though identity theft report etc submitted. Can you please assist in investigating why they keep dropping my score with all payments on time and low credit usage with no overdue payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX I paid off my Chase credit card in full and closed it out I never received a bill afterwards for the day or two days that interest had occurred which came to {$7.00} my credit score went down 62 points because that {$7.00} was n't paid. Chase reported at that it was a late payment more than 30 days on my credit card I had no idea that that interest had occurred due to the fact that I closed out the account I never received a paper bill they said they sent me an email but it must have went into my spam. I called Chase and ask them to reverse it being so I was trying to get my credit score up and just cause my credit score to go down 62 points and they refused to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank Bank calls repeatedly daily 7 days a week. 
I have verbally asked them not to contact me via my phone number, nor any other phone number listed, and to not email me as well. 
Today I also sent an email reply to an email they sent to me and asked again. 

Last 3 days of calls from them are as listed : Saturday XX/XX/XXXX called from XXXX XXXX a.m. 
XXXX a.m. 
XXXX p.m. 
XXXX p.m. 
Sunday XX/XX/XXXXXXXX a.m. 
XXXX p.m. 
XXXX p.m. 
MondayXX/XX/XXXX XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX pm., XXXX p.m. 
In XX/XX/XXXX, I asked them to stop calling me, and emailing me. I have a baby and a full time employer that get very upset when my phone is being called. My employer has given me a verbal warning, and now I have to leave my phone in the car. Even though the [ hone only vibrates at work, it is still distracting to the other employees.

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 2022-03-04
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 FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}

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 2022-08-31
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've had a paypal account for quite some time now. I do not own any businesses nor do I use paypal for business purposes. I use paypal for personal friends and family only. On XX/XX/2022 I received a payment to my paypal account which is XXXX - in the amount of {$2500.00} from XXXX XXXX. This payment was not associated with paypal or any paypal transaction. This was money owed to me by XXXX XXXX. When I logged into paypal to withdrawal my funds to my debit card, I learned paypal permanently limited my account. I did not violate any of their user agreements nor did I do anything wrong to paypal. They asked for a utility bill, bank statement and photo id which I provided immediately. They still limited my account- although all my documentation was 100 % correct. Now paypal has placed a hold on my funds for 180 days, in which everyone knows on or around day XXXX, paypal will confiscate the money for theirselves and steal from their customer. This money is my money that was paid to me by XXXX XXXX and governed by the XXXX  XXXX XXXX. Paypal is not allowed to take these funds or govern these funds in any way. 

I am an elderly XXXX XXXX XXXX man who has alot of medical bills and this money is needed to pay those bills. Paypal will not be keeping my XXXX in any fashion. Holding my funds is elder financial abuse in the state of PA and also violates the Pennsylvania XXXX XXXX laws since this is casino money. I can not wait 180 days and will not be subject to paypal taking my funds for " damages '' like they do to all their customers. I'm in dire need of withdrawing my funds and will be filing complaints with state department on aging for financial abuse and the PA XXXX XXXX for illegal holding of casino money. I ask that paypal remove my limitation so that I can withdrawal my funds and then they can close my account, as I don't want to do business with any company who doesn't abide by financial protection laws and makes their own rules. 

Paypal username is XXXX. Again - I use paypal for personal reasons only. No business involved and no business income. I'm XXXX XXXX XXXX retired and sick. I want my {$2500.00} now. It's a coincidence that they limited my account as soon as I received a large payment. This is paypal 's normal course of action. Limit an account and place hold on funds- wait 170 days and then take the funds and claim a user violated some policy. I never saw any policies from paypal and will not be subject to elder financial abuse. I've also filed complaints with XXXX, Office of PA attorney general and PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: URS Holding, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
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:
The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Equifax to request the contract because they will not provide to me. Equifax went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Flagstar Bank, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of identity theft. My Flagstar Bank accounts were accessed and used without my permission. My account ending in XXXX was resolved as fraud and the stolen funds were returned to me. Someone accessed my other account ending in XXXX, changed my email address, and then set up a fraudulent XXXX account. The fraudster then deposited a fraudulent/fake check in the amount of {$2500.00}, then withdraw 3 amounts against that check using the fraudulent XXXX account XXXX The stolen funds dates and amounts were : XXXX {$460.00}, XXXX {$1000.00}, XXXX {$1200.00}. The fraudulent check was deposited on Friday XX/XX/XXXX, then the fraud withdraws were made against that deposit on the same day and the following Monday XX/XX/XXXX. I contacted the bank as soon as I saw the deposit and withdraws, but it was too late. The signature on the check does not match my own and I do not know the perpetrators who are linked to the XXXX withdrawals. I went through the fraud dispute with my bank and they closed the claim as not fraud without giving any valid reason. I then contacted XXXX for help who submitted my police report and id theft affidavit along with a XXXX letter to Flagstar Bank. These documents were delivered on XX/XX/XXXX. Flagstar Bank has confirmed receipt of these documents, but has not taken any action to reopen the dispute, fulfill the XXXX Request for Records, nor have they responded to any messages left for the fraud team. XXXX and I have contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
CFPB complaint # XXXX trans union updates a false claim on my credit report further more have shown documentation that trans union is claiming they is validating debt off of. Furthermore it states I disputed personal information on my credit name, employer etc. thats my right under the fair credit report act - trans union also removed over 5 miss-spelled name over 4 incorrect address etc.

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 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 monetary relief
Consumer complaint received 2022-08-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on 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 2017-08-29
Company: STERLING JEWELERS, INC.
State: KY
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:
On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers. 

I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a credit card with XXXX XXXX XXXX in my name XX/XX/XXXX and spent {$1200.00}. I was notified by 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 explanation