BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went to try to get a car loan and when they came back to tell me there is a credit company that said it is still going on since 2010. This is the bankruptcy courts which i never went through with the bankruptcy. This should say dismissed since i did not go through with it. I called the attorney XXXX XXXX in XXXX and nothing was done. I paid them and never got my money back cause i was going to go through with it but when he told me it would cost more we did not go though with the bankruptcy. I called the Federal building in XXXX XXXX, Pa and they told me they can not do anything yet i was on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
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: Account status incorrect

Complaint:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX XXXX XXXX XXXX XXXX, XXXX selling different goods such as frozen food, rice, eggs etc Since 2020 my PayPal account XXXX has stuck funds in it that I have to withdrawn it asap for emergency purposes, and I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my papal account. Im using my paypal account fir my online business since XXXX.my paypal account XXXX has stucked funds in it that i have to withdrawn asap fir emrgency porpuses. Im hoping that i will get my account back and able to withdraw my funds. Thank you and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I HAVE ASKED TRANS UNION TO CORRECT MANY MANY ERRORS IN MY CREDIT REPORT. AFTER THAT I NEVER GOT A RESPONSE. SO I ASKED TO SEND ME THE CORRECTED REPORT. THEN ASKED MY ALL KIND OF DOCUMENTS TO HARASS ME. I SENT THOSE DOCUMENTS ( DMV AND BILL ) NOTARIZED. TRANS UNION WANTS SAME AGAIN AND AGAIN. AT SOME POINT I WANT TRANS UNION TO STOP HARASSING ME TO GET A CORRECTED CREDIT REPORT. TRANS UNION NEVER SENDS CREDIT REPORT WITHOUT HARASSING ME FIVE TO SIX TIMES. I AM SICK AND TIRED OF THIS HARASSMENT - THERE IS NO REASON FOR ME TO NOT TO GET A CORRECTED REPORT, AFTER DISPUTED VARIOUS ELEMENTS IN THE 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 2016-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting wrong information regarding credit inquires that I did not authorize. Experian is the only credit bureau reporting this information.

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 2021-12-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Personal Statement : I am writing this complaint to simply delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2017-04-30
Company: EQUIFAX, 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 status incorrect

Complaint:
Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education  Account, and they are not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers ar e : " Sorry, We  ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
credit cad was on auto pay for $ 100.pe month. the company raised the minimum to {$100.00}. they received {$100.00} before due date charged {$40.00} late fee for XXXX bill I don't pay late so I don't pay late fees. I sent them {$110.00} for card payment. plus additional XXXX for {$1.00} short payment from XXXX. So now i paid both monthly payments on time an they want {$80.00} in late fees which they ad to the current payment. the treatment is criminal. 
that they ae not happy with the 17.5 % interest they want fees on someone that pays on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I tried to make a purchase at XXXX. It was declined because my card was frozen. I immediately called the bank and checked on online banking. I noticed 4 charges to a XXXX XXXX accompanied by international transaction fees. The transactions were as follows {$35.00} with a international transaction fee {$1.00}, {$34.00} with a international transaction fee of {$1.00}, {$35.00} with a international transaction fee $ {$1.00}, and {$34.00} with a international transaction fee of {$1.00}. Well Fargo immediately canceled my card and I filed a claim with them. On XX/XX/XXXX all the international transaction fees were reimbursed to my account. I was notified by email that claim investigation was finished. I did not see that the funds had been replaced in my account. I called well Fargo claims department and they informed me that my claim was denied. They said I could not appeal or fight it. They said they denied the claim because my chip was tapped ( something that I didnt even know how to do until days after the claim was filed ) in the purchase and they have no information that chips can be duplicated. No one contacted me to ask any questions. I informed them that I googled chip duplication and it can be done. They said that because XXXX tells them its not possible they had to deny my claim. I asked if my money was safe. They would not answer that question. I asked if this has happened to other people because I didnt make this purchase and I cant be the first. He said they get 50 similar complaints a day and they are denied.

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 2021-12-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After traveling 17 miles to the closest branch, and making a deposit to bring my account current, all funds are not being held for up to five business days after I have already verified the funds availability prior to deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information Att wireline. XXXX XX/XX/XXXX XXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX  XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on 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 explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

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 2021-12-29
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: Account status incorrect

Complaint:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX. as XXXX working in a XXXX  XXXX  since XX/XX/2020. 

My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account to receive remittances from my online freelancing business since XXXX XX/XX/2022. XXXX PayPal account which is XXXX have funds stucked on it that I have to withdraw as soon as possible for emergency purposes. I'm hoping that I will get back my PayPal account to continue my transactions and able to withdraw my funds. Thank you and more power. 

For identity verification, I have attached my valid ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I issued a claim dispute on XX/XX/XXXX in reference to an order I placed the previous year on XX/XX/XXXX for merchandise that I never received. The merchandise was bought through XXXX at the cost of {$190.00}. I contacted the seller but never received an answer. After opening the dispute with Wells Fargo nothing was achieved and the case was closed shortly after it was opened. I attempted to call the Wells Fargo service but was told that there was nothing that could be done regarding the refund.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am earning from online freelancing The amount that the company holds was more or less $ XXXX believe it is a mistake to close my account.I am using my paypal account for my business. 
My paypal account XXXX fruits & Vegetables Trading.My paypal email is XXXX have funds that stuck that i need to withdraw for emergency .I am hoping that i will get back my account and withdraw my funds.My account was limited since XXXX XXXX. 
Thank you and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from my 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 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is illegally reporting inaccurate information to credit reporting agencies on my credit report. This has damaged my credit immensely over the past three years. Capital One has repeatedly furnished inaccurate balances and payments. This is illegal and immoral. Attached is a statement from Capita One with the amount owed and payment due. Please hold them accountable for damaging my credit which has caused harm to my well being as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I want to restore my paypal account because i am new in online business since XXXX, my bussiness is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX my paypal account is XXXX, the paypal account is the only way to recived payment from the other country so please help me, Thank you for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,

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 2021-12-29
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 my XXXX account was hacked into and withdrew {$55000.00} through 7-8 transactions from my US Bank checking account. I notified my bank the next morning and closed the account, opened a new one and filed a fraud claim through them. As of yesterday, XX/XX/2021, they have denied my claim and completely closed my accounts with them, ending our relationship indefinitely. They have not taken any course of action in fighting this for me and getting my money back. They sent me the audit log that was used in their investigation and clearly shows multiple different IP addresses withdrawing money from my checking 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 non-monetary relief
Consumer complaint received 2017-01-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing

Company response to consumer: Closed with explanation