BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
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:
In accordance with the fair credit reporting act XXXX accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX XXXXXXXX XXXX Account numberXXXX 3. Account name : DEPT of ED/XXXX Account numberXXXX 4. Account Name : XXXX  Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account numberXXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have 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 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America allowed a scammer to take my unemployment benefits of over {$13000.00} dollars in 2020 in two separate ATM withdrawals. I have filed a police report, proven it was not me that did these transactions and filed several claims with them only to be denied over 5 times with them saying that they made the correct decision in denying the claim. I am in dire need of these benefits to get back on my feet as I have lost everything due to this error.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion along with XXXX, XXXX, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

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

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact 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 explanation
Consumer complaint received 2022-12-01
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$100.00} being reported as delinquent when I didnt contract with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: NY
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, these agencies 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. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXX and XXXX XXXX closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

Experian Closed accounts : XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts and XX/XX/XXXXPlease remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent TransUnion a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-06-30
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX, XXXX XXXX 2XXXXXXXX XXXX XXXX XXXX 3XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Mr. Cooper Group Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX stole money from me in cash from my XXXX  XXXX XXXX checking account for the mortgage of someone else, he owes me and his company owes me XXXX in cash plus the interest for 15 years because he had the use of the money for all this years and i can prove it. My hard earned money as a teacher and my social XXXX payments went to the account of XXXX XXXX XXXX, his buddies or his associates and they feasted on it. Please return the money is not yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX XXXXXXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX, I was approved for a line of credit for XXXX XXXX XXXX. XXXX XXXX XXXX failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX XXXX is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX XXXX defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX XXXX is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX XXXX contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX XXXX with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive tried to dispute this with the credit bureaus, but no response. Im not sure where the account comes from. I believe Im a victim of identity theft.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My checking/saving accounts were constantly being charged fees, statements fees, low balance fees to the point I closed the account

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 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile

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 2022-06-07
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issue : PayPal permanently limited my account whilst it had a large sum of money on it without any valid reasons. 

Hello, My name is XXXX XXXX XXXX XXXX My Reference ID : XXXX My PayPal Email : XXXX I'm writing this email because despite multiple attempts to contact PayPal customer service inquiring towards the reason for my account suspension, I keep receiving automated replies. Before attempting to contact the CFPB, XXXX and FTC, I figured Id try one last time to reach someone at the company who can help. My account was permanently limited on XX/XX/XXXX without any real explanation. A balance of {$2400.00} is currently being held in the account. Ive been an account holder for over a year, and the few XXXX XXXX I provide ( XXXX XXXX ) are well within PayPals acceptable use policy, in addition to being compliant with all other regulations. I have never had any issues with fraudulent activity, and yet out of the blue my entire account is frozen, my money is taken hostage, and I cant even get an answer as to why this is happening. Im provided with 0 recourse, and vague promises to release funds in half a year. There are countless stories posted online detailing how members have had this exact thing happen to their accounts, and never had funds released back to them after the time was up. While this is far from reassuring, regardless of the validity of these claims, the fact remains that there is no reason why this should be happening to me, and I cant even get someone from the support department to take a little time to look into the situation and attempt to rectify ( or even explain ) the reasoning behind the decision. My PayPal account was an personal account and not a business account. With this said, the vast majority of my funds were sent via friends and family payments. This is money from people who knew me. Money from people who had every intention of me receiving the funds, and had taken the appropriate actions via your service for this to happen. If there was a transaction being contested for a dispute ( which I wouldnt know, since no one will explain why my account is frozen to begin with ), it would be one thing to hold those funds and perhaps even have the account on hold throughout the process. However, as stated, the majority of my funds were from friends and family, and denial of access to these funds is ludicrous. These are the funds I use for my education. This is how I was paying for my future, and its being held hostage without so much as an explanation. I need a clearer answer as to why this has happened, and a clear path forward to rectify this mistake on the companys part. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint is to augment a previous complaint which we filed ( CFPB Complaint XXXX ). I will attach the previous complaint to this one for your reference. In short, PayPal responded to our original complaint in an unacceptable and unsatisfactory manner. PayPal removed money ( {$140.00} - XXXX XXXX and XXXX United States Dollars and XXXX cents ) from our merchant account due to a chargeback that our customer allegedly filed ( and wrongfully won ) directly with their credit card processor. Because of that, money was obviously removed from PayPal 's account and, in turn PayPal removed money from our account. There are many issues with the actions taken by PayPal and the unknown credit card processor which I will outline below. 

XXXX. The chargeback that the client allegedly filed directly with their credit card processor for " item or service not as described '' provided no evidence of how the item was not " as described. '' Upon later speaking with a PayPal account executive on XX/XX/2023 in regards to CFPB complaint XXXX, they similarly did not have, or apparently attempt to solicit, any evidence of how the item was " not as described. '' As such, we have effectively had money stolen out of our account and no one, including PayPal who took the money, has any idea why. I demand that PayPal either obtain evidence of how the product was not " as described '' or return the money. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, PayPal 's position was, essentially, that this situation was not their fault and that they had to go with the decision of the credit card processor whom awarded the chargeback to the buyer. This is, of course, an outright lie, because no one is obligating PayPal to take money from us simply because someone took money from them. Furthermore, upon asking for more information regarding the credit card processor and issuer, like, for instance, who they are so we can contact them directly, PayPal refused to provide this information. I demand that PayPal provide us with this information and/or be held accountable for the chargeback process and its results if they insist on keeping this information secret. We shouldn't be losing money to someone we can't even identify. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, the call must have either been disconnected and/or the account representative simply hung up because they could not defend their faulty position of taking money out of our account. I demand that, as a response to this complaint, we get a full resolution and a direct point of contact ( with a direct phone number to an authoritative account executive ) for the issue to ensure that PayPal 's account executives don't simply disappear without answering our concerns and leave us with their useless and ineffective general customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Unlawful billing practices under XXXX XXXX 's periodic statement generation policy. Per XXXX XXXX response on XXXX XX/XX/2021 to CFPB complaints { XXXX, XXXX and XXXX }, XXXX policy was to provide a minimum of twenty 20 days between statement generation date and statement due-date. Bill generation consistently under requirement of twenty-one ( 21 ) days as outlined in 12 CFR 1062.2 ( a ) ( 4 ). I have received disparate treatment under XXXX internal policy and have suffered harm under XXXX unlawful acts and practices.

Company response to consumer: Closed with explanation