BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: FL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2023-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
ATM withdrawals in a city I don't even live we're done fraudulently without my authorization card company said no error occurred I authorized transactions which I did not I notified them within minutes of this occurring and they still denied my complaint they just did not want to investigate waiting for forms of their investigation but have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 non-monetary relief
Consumer complaint received 2023-07-19
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:
This Consumer Reporting Agency ( XXXX XXXX, Experian ) unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX Balance {$5200.00} ; XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$1100.00} ; XXXX  XXXX Balance {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; CXXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-29
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I recently ordered some boots ( XXXX boots, theyre great ) and after they arrived I had to return them. 

Id paid for the boots using paypal pay-in-four and the boots were paid in full months ago. 

Upon returning the boots, the credit for the purchase went back to my PayPal account and when I went to transfer the funds to my bank account, there was a notice on my PayPal app that said that theyd determined my account was risky and had permanently shut it down - not allowing me to transfer the funds to my bank account. 

I called them to see how I could get the funds transferred to my bank account. They said that they are holding my money for six months and theyll contact me in XXXX with instructions for how to get the money out of my account. Huh? No idea. 

They said this is in the fine print of their disclosures ( lengthy and confusing fine print ), and that they have the right to hold my money for six months. Its abusive. Its not right. 

Ive been a PayPal customer with this same account for many years. To my knowledge theres never been anything Ive done to cause this account shut-down and to cause them to hold my funds XXXX. They would not give me any information, and treated me like Id done something wrong. Im at a loss. 

I asked if I could escalate my case for resolution and a rep in their Limitations Dept said their decision was final and that there was no other option than to wait until XXXX to get my money back. Theyd never contacted me. Theyd never said anything. Just a final verdict, no recourse, and theyre holding my money. How can they legally just take my money? 

When I asked him why theyd want to turn off my account and lose a customer he told me We ban people every day. 

Banning customers with a solid usage history and lots of potential future value seems like a bad business practice, but not allowing people to transfer their money from their PayPal account to their bank account seems like it warrants an investigation. Is that even legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an text todayXX/XX/XXXX, saying unusual activity on a card with AFCU. I do not have an AFCU account. I looked at my credit report saying that I owe {$920.00} on credit cards. I looked at all my credit cards and only owe {$550.00} on my XXXX card. I do not have any other cards that I owe on and do not have an AFCU account. Someone has opened an account with AFCU and I do not know how many cards. This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This is a notice requesting Bank of America provide a privacy policy that complies with section XXXX of the XXXX XXXX XXXX XXXX, along with opt-out options consistent with XXXX of the same act.

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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for capital one credit card and they keep denying me. I have attached their reason. Capital one does not understand that I can't be denied credit, credit is a right granted as pursuant to 12 cfr part 1002.2 ( j ). Capital one is discriminating against me and they are not granting me the right of extension as a natural person primarily for personal, family, or household purposes when I am exercising my right to credit in good faith. When I provided my social security card number I provided my credit card according to 15 usc 1602LThe term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2023-07-29
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX  This individual claimed to have XXXX XXXX puppies of XXXX XXXX. He asked for {$600.00} then proceeded to ask for money via gift cards for vet bills. I was supposed to pick up the puppy. However, yesterday and today, Sat XX/XX/2023, something went wrong to affect the pickup of the puppy. The deposits of {$300.00} were " fully refundable ''. I wired the funds to an XXXX XXXX. XXXX, his " accountant ''. First Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Second Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Final Installment : {$300.00} -XXXX  XXXX XXXX XXXX Attn : XXXX XXXX XXXX I had originally intended to purchase two puppies, XXXX XXXX XXXX XXXX. However, my sister-in-law changed her mind at the time. I was going to use this animal as a replacement XXXX  animal for my XXXX animal who passed a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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:
CFPB + XXXX + Experian + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports 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 explanation
Consumer complaint received 2023-01-02
Company: Netspend Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
Netspend XXXX XXXX XXXXXXXX XXXX they have sent me atleast XXXX cards, i have sent my information many times and they continue to ask for my information every time i call customer service. they asked for my Adress, social ID, state ID, IRS paperwork, its been almost XXXX XXXX and i have gotten no actual response. and its become a problem because ever since i opend that account many banks have sent me emails but none give me service.

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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reference : FDIC Case # XXXX Reference : CapitalOne COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

XX/XX/XXXX Opened XXXX mo CD with $ XXXX 4.1 % with annual distribution of interest by XXXX XXXX XXXX bank of {$8300.00} - totaling {$16000.00} at maturation XX/XX/XXXX. 

On XX/XX/XXXX funds did not transfer into bank account. Called CapitalOne, spoke with XXXX, could not be helpful because of weekend and was unable to provide information about CD amounts and interest- said it should fund on XXXX! XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX still no electronic transfer. Called CapitalOne spoke with XXXX. She quoted the accrued interest for electronic transfer @ {$6100.00}!! Inaccurate!! She stated that the discrepancy in interest amount might be due to the fact that the interest was being transferred to another institution instead of re-invested at Capital One. If true, this WAS NEVER Disclosed when XXXX was opened in XXXX. XXXX stated that the electronic transfer would occur at midnight, tonight - XX/XX/XXXX. 

Capital One is committing fraud- has not fulfilled commitment to make electronic transfer of accrued interest {$8300.00} on XX/XX/XXXX, as stated in XXXX with representative when XXXX was opened. AND Capital One is withholding funds, collecting interest on my CD and customer service XXXX XXXX XXXX XXXX are unable to provide pertinent information because it is unavailable to them by CapitalOne. Filed complaint with FDIC on XX/XX/XXXX - which has been forwarded to XXXX XXXX Comptroller of the Currency. 

On XX/XX/XXXX, XXXX at CapitalOne initiated COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

On XX/XX/XXXX - Funds still not transferred as promised, yesterday. Called Capital One and spoke XXXX, who transferred complaint to XXXX. XXXX stated " escalation was in process '' taking XXXX days. Advised her of FDIC complaint # and complained that the Capitol One website displays inaccurate information about the actual XXXX accrued interest. Website says {$6100.00} but should be {$8300.00} annually XXXX interest accrued during delay of transfer from XX/XX/XXXX and another display indicated interest amount of {$8100.00} which is a shortage of {$160.00}!!!! This is inaccurate and misleading to anyone not aware of the discrepancy or willing to take the time and effort to investigate. She indicated transfer should occur tomorrow on XX/XX/XXXX. 

Update : On XXXX {$8100.00} transferred into bank account. The shortage is {$160.00} and likely will be shorted again at term XX/XX/XXXX. That would total {$330.00}. To date, XX/XX/XXXX, XXXX, Capital One has NOT responded to my complaint or transferred the {$160.00} for which I'm requesting interest. This is XXXX. 

Thank you for your efforts in addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: PNC Bank N.A.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
Account not authorized.

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