BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Teller at this location is not trustworthy. 
My Debit card number was stolen. 
I use this Debit card only for withdrawals at this Bank location. 
The Debit card number was stolen and misused. 

Truist Complaint Number : 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Its been at least 10 years since the first collection person called me about a account someone set up in my name. I get letters from creditors and banks saying I owe money or I was turned down for a credit card. I send them back letters saying that was not 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion is violating my constitutional rights! A right as defined in XXXX Law dictionary is a power, privilege, immunity guaranteed under a constitution, statutes, or decisional laws or claimed as a result of long usage. The Fair Credit Reporting Act, also known as 15 USC 1681, qualifies as decisional law. TransUnion violated 15 USC 1681 ( b ) ( a ) ( 2 ), as they were never provided expressed written instructions by me, the consumer. 

On XX/XX/2022, I put this company on notice for reporting inaccurate information on my consumer report. I also requested the method by which they can verify that I applied directly for credit with the companies reporting. If unable to provide this information, please remove these unauthorized inquiries from my credit file. Not only did TransUnion blatantly ignore my request, they insulted me as if Im an ignorant consumer. They are being willfully noncompliant of the FCRA ( decisional law ). The 9th amendment states : The enumeration and the constitution of certain rights shall not be construed to deny or disparage others, retained by the people. 

This companies violative business practice is preventing me from receiving extensions of credit, which is a right for me to have. They are defaming my character, harming my financial reputation, and causing me a great amount of stress. Ignorance of the law is no excuse.

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 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The company XXXX tried to sell me XXXX cell phones. One of the phones did not function, and I requested a refund. I order another phone from XXXX, but I found a cheaper price at a local store. So, I cancelled the order, and the phone did not ship. A representative from Capital One suggested I file a claim. Now, Capital One is charging me for the original purchase, since XXXX has issued a refund. 

I am being charged twice for the same phone, and Capital One does not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Resurgent Capital Services L.P.
State: HI
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 Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX  XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and LVNV Funding. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I talked to them on the phone and they said I still owed a debt, I was taken to court earlier by a different attorney and this debt was dropped because I have a XXXX XXXX and paid-off note! this is not my debt. The court in XXXX XXXX has a record of this information and I am no longer to be contacted over this debt. This is unfair and the original collector knows it was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. 




Sorry, something's not right. Please try again later. 
Go Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

MESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

FINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
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 Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXXXXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector Portfolio Recovery and XXXXXXXX XXXX. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and XXXX XXXX XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.

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 2022-12-13
Company: Commercial Acceptance 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 status incorrect

Complaint:
Commercial Acceptance reporting on my credit Report a bill that has already been paid or satified. I disputed it twice. Now will dispute again and provide them a copy of the paid bill from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX accounts XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-23
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:
Today, XX/XX/2022, I called Experian 's fraud department and spoke with an associate by the name of XXXX. I explained to XXXX that despite the multiple disputes and requests for correction and/or deletion of erroneous information, the agency has remained in violation of the Fair Credit Reporting Act in multiple ways. The agent was extremely argumentative and dismissive and continued to deny and misquote the laws that Congress has put into place to protect the CONSUMER. I informed the agent that the CRA has an obligation to report information that is TRUE and ACCURATE, and does no harm to the Consumer ; that pursuant to 15USC1681 ( a ) ( 3 ) -this role to report consumer credit information was not given but assumed, and with this is also the obligation to abide by the laws Congress has established. Pursuant to 15USC1681 ( a ) ( 4 ), Experian has continued to be unfair in knowingly reporting erroneous information without FIRST consulting with THE CONSUMER. The agent, XXXX, continued to deny any of what was said to be factual and refused to assist consumer with correcting and removing the erroneous and fraudulent information from the Consumer Credit Report.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Case # XXXX Privacy Act of 1974 Violations EXPERIAN 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity breaches of Government Computers Delete unauthorized Bankruptcy Dear, Experian I obtained my credit report online. There was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If Experian can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file The Bankruptcy Court has mailed me a letter which Empathetically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/ or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds, nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Court confirmed ( EXPERIAN ) has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated XXXX they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to consumer, and most cases, incorrectly, Considering the following information indicating a Fair Credit Reporting Act Violation.

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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/22, I was contacted around XXXX via text with a message mirroring a typical Chase fraud alert, asking if I was trying to make a XXXX purchase. I replied " No '' to that message as shown in the screenshot attached. 

Immediately upon my reply, I received a phone call from the Chase customer service line that I've memorized since college 14 years ago ( see attached phone record ). I trusted the agent on the line because of the number from which they called. 

They pretended to be investigating my fraud case and asked me for personnel details. They used these details to access my Chase account. 

After the agent hung up the phone abruptly. I check my account. The " agent '' had transferred {$1000.00} from account XXXX to account XXXX. Then proceeded to fraudulently send a XXXX payment to themselves in the amount of {$500.00}. 

I then contacted Chase 's actual fraud department and reported this. After being transferred 3 times, I was told that they would send a reversal request to the other bank to see if it would be approved. I was then advised to call back in 10 days. 

I suspect that no action was taken by Chase and this was an attempt to disregard the matter. I sent chase a letter requesting my funds be returned to my account as consumers should receive protections from fraudulent activity. 

In response to my letter. I received the attached chase letter stating that no action will be taken to resolve my inquiry. 

My desired resolution is that chase will immediately credit the {$500.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 non-monetary relief