BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX put {$400.00} into my PayPal account XXXX XXXX XXXX. On 3/23/22, I initiated a transfer from my PayPal account transferring the money to the XXXX XXXX XXXX XXXX XXXX XXXX The money was successfully sent to my account. On XX/XX/22, PayPal initiated a reversal and took the {$400.00} back out of my account. PayPal acknowledged the reversal was done because they had my bank account ending in XXXX. They determined that was not a valid account and reversed the money. The money however was actually placed in the correct bank account with XXXX ending in XXXX. It was also reversed and withdrawn from the correct account XXXX. In speaking with the bank, the transaction from PayPal did route to account ending in XXXX, however the bank has an account matching feature an they matched it to the correct account which ended in XXXX, which placed the money in the correct account for me. I have made multiple attempts over the last 30 days to get PayPal to return the {$400.00} they took out of my account on XX/XX/22. I have not been able to make any progress as PayPal denies they have the money and says it is with the bank. I was asked by PayPal to contact my bank and obtain a transaction number to prove they took the money. I did get the transaction number, XXXX, however now PayPal refuses to use this to trace the transaction and continues to deny taking the money. I have tried to escalate this to no avail. I am asking for assistance in the return of my {$400.00} which PayPal withdrew from my account without authorization and refuses to acknowledge or return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: ALLY FINANCIAL INC.
State: AZ
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:
On the morning of XX/XX/2022, I was notified via text that my Ally Bank debit card may have been used in a fraudulent transaction. When I attempted to call into Ally Bank to dispute the charge, I was told it was a nearly 2 hour wait, which is very abnormal because Ally usually has very low wait times. 

After doing some research, it seems like many users of Ally Bank debit cards experienced similar cases of fraudulent transactions on their Ally debit cards over the past week or so. ( I found many similar cases on XXXX at XXXX  ). 

It appears that Ally Bank has had some kind of hack or data leak take place for so many Debit Card uses to suddenly experience fraudulent charges in such a short period of time. It also seems like this issue has been going on for many days and Ally has not yet made a statement. I think this is to protect their stakeholders while they continue to leave customers in the lurch.

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 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My information has been used to attempt to open credit cards and lease vehicles all in Ohio starting in the beginning of XXXX ( XX/XX/22 ). To my knowledge, two have been successful. One for XXXX XXXX Bank for the amount of {$56000.00}. I've since been able to have this successfully removed after reaching out to their Identity Theft Team. The second is from Capital One for the amount of {$49000.00}. This one is still posted to my credit report as of today. In addition there are XXXX other inquiries posted on my credit report, none of which are mine from numerous companies. I've contacted them all to find out what steps need to be taken to get these inquiries removed. I've filed disputes with all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX  Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : 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 2022-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 to current every 30 days i have disputed and they will not fix the problem even though been taken off other two reports now they just keep updating it and not removing it even though it's not correct info and it's for something i do not owe and have submitted proof i have paid and proof email communications proof my other reports removed the collections this is severely affecting me getting approved for rental property im about to be XXXX  over incorrect info on my credit report money i do not owe and they will not remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: 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 .This 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 XXXX  n cant provide to my XXXX XXXX old daughter 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 2022-06-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call on XX/XX/XXXX at XXXX from XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) requesting a call back which I did at XXXX. 

I was told they were representing Wells Fargo and attempting to collect a debt from XXXX. The rep explained that Wells Fargo added overdrafts, fees, and interest after the account was closed. The rep confirmed our home address and stated that paperwork was sent, and the call was nothing more than a courtesy. 

The rep didnt provide any proof of the debt and stated numerous times that if I didnt pay in full today there would be consequences as follows : 1. Lawsuit 2. Guilty of fraud 3. Garnish wages 4. Property lien 5. Report us to XXXX XXXX 6. Loss of bank services from my current bank 7. Bank checks and cards will no longer work 8. Inability to get a new credit 9. Credit score will be terrible I felt threatened, extorted, and had no option but to pay this to avoid all these actions despite not being aware of this debt or receiving any notice by mail or otherwise. My wife and I are very diligent about paying bills and opening all our mail. Had we received mail we would have contacted them immediately. 

Fearful of repercussions I paid the full amount of {$1300.00}.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: NC
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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
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:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This dispute is in regards to a XXXX XXXX XXXXXXXX account that is currently reporting on my credit report. 
I am disputing the fact that Equifax is reporting on my credit report that the last payment made on the XXXX XXXX XXXXXXXX account was done on XX/XX/XXXX. THIS IS FALSE. 
ON my equifax credit report it says that in XXXX of XXXX I was 120 days delinquent on this account but there is no payment information after that for the periods of XX/XX/XXXX to XX/XX/XXXX. IF they had the payment information for XX/XX/XXXX to XX/XX/XXXX then they would clearly see that this account never went into a charged off status. 
According to the FAIR CREDIT REPORTING ACT if an account is incomplete then the credit bureau should delete this item from the credit report. There is no account payment information for the period of XX/XX/XXXX to XX/XX/XXXX and there is no account payment information for the period of XX/XX/XXXX and now. This means that the account is incomplete and according to the Fair Credit Reporting Act should be deleted from my credit report. On the credit report it states that it is a paid charged off but this information is not reflected in the account and payment info section of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VI Account 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out several loans as an XXXX between XXXX and XXXX. In XXXX I paid off all of the loans as they appeared in my student account, yet in XX/XX/XXXX I received a letter from a loan provider ( ECSI ) stating that I owed payment on a XXXX loan in the amount of {$1500.00}. After 2 weeks of calls back and forth between ECSI and my university ( XXXX XXXX XXXX XXXX XXXX XXXX, I eventually learned that XXXX neglected to process this loan until XXXX, which is why I never saw it on my student account and why I didn't pay it off. 

I have since spent hours of my time reaching out to XXXX asking for two simple pieces of information : 1. Can they provide me with proof that I accepted this loan in XXXX, and 2. Can they provide me with an explanation about why this loan remained unprocessed for a decade, and therefore unknown to me. Each time I have contacted the university by submitting a help desk ticket, they have told me to contact ECSI and closed the ticket. I have submitted new tickets and explained that ECSI actually can not provide me with these answers, and XXXX provides the same response before closing the ticket again. I have also called XXXX several times, and even left work early to go to the university in person, but the response has always been the same : rude, dismissive, and extremely unhelpful. One agent even told me that this loan remained unprocessed because I was partially enrolled at the university between XXXX and XXXX, which is just blatantly untrue ; I graduated in XXXX and moved out of the country, so was in no way, shape or form still enrolled. I did return to XXXX for a graduate program in XXXX, and graduated in XXXX - I can only assume that my graduation is what triggered this whole mess. 

I find myself feeling incredibly frustrated at the university and their blatant disinterest in helping me solve a problem that is theirs to solve. I do not understand how they neglected to process a loan for a decade, yet can not provide me with any explanation about how this happened. I've been operating under the assumption that all of my loans have been paid, and it's overwhelming to learn that this is not actually the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 creditor, XXXX XXXX has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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: 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: Account status incorrect

Complaint:
XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.

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