BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I believe that this limitation was a result of a mistake, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for [ insert duration of usage ], and I have always strived to abide by your platform 's terms and conditions. I have used my PayPal account, associated with the email address XXXX, for legitimate and lawful transactions without any incident or violation. Thus, the permanent limitation imposed on my account has come as a surprise and has caused me significant inconvenience. 

I kindly request that PayPal re-investigates my case thoroughly and objectively. I strongly believe that upon review, you will find that my account was mistakenly flagged and restricted. I am confident that there has been an error in the decision to permanently limit my account. I am willing to provide any additional information or documentation necessary to support my appeal and assist in the resolution of this matter promptly. 

I kindly request that PayPal reviews the activities and transactions associated with my account carefully. I am confident that upon closer inspection, you will find no evidence of any policy violations or unauthorized activities. It is my sincere hope that PayPal will rectify this situation and restore my account to its previous, fully functional state. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform, and I appreciate your commitment to protecting users and preventing fraudulent activities. However, I believe that an error has been made in my case, and I trust that PayPal will conduct a fair and impartial investigation to address this issue. 

In conclusion, I kindly ask PayPal to reconsider the permanent limitation placed on my account and take the necessary steps to restore my account 's functionality as soon as possible. I value the convenience and reliability that PayPal provides, and I look forward to continuing my positive experience as a PayPal user. 

I thank you for your attention to this matter and for considering my appeal. Should you require any further information or clarification, please do not hesitate to contact me at the email address or phone number provided above. I eagerly anticipate a prompt and favorable resolution to this issue. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, XXXX and Transunion.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DELETE HARD INQUIRIES

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 2023-05-25
Company: Experian Information Solutions 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:
this account closed i don't know anything about this account on 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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023, I order two items on XXXX, A motor scooter for the amount of {$1000.00} and the protection XXXX for the amount of {$130.00}. 
On XX/XX/2023 I decide to cancel the order, without succeed, therefore I start a dispute thru my bank. My bank credit me the money until the dispute was resolve. 
I got in contact with XXXX and they inform me that I need to close the dispute for them to refund my money, what I did. I never receive any information or state of the dispute, but because I have the money I thou that everything was ok. 
On XX/XX/2023 I saw the withdraw of the {$1000.00} and {$130.00} from my account again, for what I got in contact with my bank, they told me XXXX was having the money, call XXXX and they say they never receive the money, after going back and forth for I don't know how many times and couple a day, the Bank told me that my debit card visa was the one holding the money, that they will release from XXXX to 45 days, they give me XXXX numbers to give to XXXX so they can ask for the payment, when I told them that XXXX already send me the confirmation of the dispute on my favor. Why they want to keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 discovered that some of the 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2022-12-20
Company: EQUIFAX, 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:
I discovered that some of the 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2023-10-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/XXXX I went to pay my mortgage and they sent the charge back stating I did not have enuff. XX/XX/XXXX. The money was back in my account and I went to repay the mortgage. XX/XX/XXXX the mortgage payment was processed. XX/XX/XXXX the mortgage payment was then processed again. I called to have this issue resolved and they said I have to provide proof and wait weeks for my refund. XXXX in 3 days and I have to wait weeks to get half back.

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 2023-04-20
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a personal checking acct at Community Bank NA in XXXX XXXX XXXX, NY XXXX only use my checking acct as a secondary account and able to access online only- I don't receive paper statements- I had been locked out of my account for months since I dont use the account regularly- When I again got access to see it online on XXXX XXXX, I discovered there was a revolving amount being drafted from my acct- {$610.00} since XX/XX/XXXX. I immediately called my bank ( XXXX ) XXXX and they had me come in and sign 6 signature pages for disputing the 6 transactions that occurred either the XXXX or XXXX of every month starting XX/XX/XXXX. I was told from my local bank XXXX Community Bank NA from XXXX branch manager ) ) that another Community bank in XXXX XXXX NY transposed their bank ID number ( XXXX ) with mine ( XXXX ) and then also changed a number to reflect my personal checking acct number. I was sent letters from Community bank for the following date of transactions : XX/XX/XXXX - we have not completed our investigation- we issued you a provisional credit to your account and will notify me with 45 days of the results. If we discover an error did not take place, we will notify you that we are going to debit your account XXXX same message as above XX/XX/XXXX - we have credited your account-disputed transaction- {$610.00} XXXX we have completed our research regarding your dispute and the dispute was not submitted in a timely manner= they will not give me my money back XXXX we have credited your account-disputed transaction- {$610.00} XXXX we have credited your account-disputed transaction {$610.00} That does not make sense they will not credit my account for the false transaction that took place on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Public record information inaccurate

Complaint:
I reached out to XXXX asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last 4 of the social. I attempted to verify the full social and they refused to provide me with any further details. 

XXXX also has two accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. One which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.

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 2022-10-05
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 belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am asking that you take immediate action to correct the errors that you have made on my credit report. I will not accept any further delays in resolving this dispute. If the inaccurate information is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed and not providing me with a signature to validate the debt. And you sent a letter showing the correct owner of this debt. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on DISCOVERBANK. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
I reecived a credit card from Capital One in the mail that I never ordered. 
Several years ago i had an account with BJ 's with another bank. 
1. This account was cancelled 2. The credit card was cancelled 3. Capital One took over the credit card for BJ 's and arpitrarily sent me a credit card for activation. Along with this They billed me {$55.00} for the BJ 's Card and {$29.00} Fee from the bank {$.00} interest I called BJ 's and told them we never ordered this card and they credited back {$55.00} and told us to contact Capital One. We did and told them 1. We did not have or want a BJ 's Card. 
2. We never activated their Credit Cards sent us a, XXXX XXXX ending in XXXX XXXX XXXX XXXX ending inXXXX These cards have stickeers on them that read " To activate on XX/XX/23. They were sent to us unsolicited in XXXX XXXX while we were on vacation in XXXX XXXX  and our mail was being held by the post office. Upon our return we contacted Capital One for a ccreddit to an an account that was never requested nor opeed and were informed by their representative XXXX XXXX that we wer being billed an additional {$30.00} every month until the bank was paid. 
Although I am one consumer that they are scamming I have talked with several others who have had had the same experience. this is a major scam by Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: NRA Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called and written the National Recovery Agency ( NRA ), located at XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX in an attempt to resolve this matter. This is not my debt. I ordered product from a company ( King Size ) in XXXX of XXXX, and it was never received. I disputed the charges with my credit card company ( XXXX XXXX ) and after a 30 day investigation and no response from the company, it was determined that the charges were fraudulent and illegitimate. I verbally explained this on multiple occasions to representatives from the National Recovery Agency as well as sent a letter in XXXX of XXXX ; explaining the situation in detail, this is a fraudulent debt that the NRA is harrrassing me daily to pay. This was resolved through my credit card company. I am not responsible for this debt. I never received the merchandise. This is harrassment.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: AZ
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 Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the the information is accurate.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
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: Public record information inaccurate

Complaint:
My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, TRANSUNION, XXXX PACER, 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