BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2015-07-11
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX XXXX I tried to make a onetime payment to a vendor through Pay Pal with my credit card. Pay Pal was the only payment the vendor would accept. Pay Pal took all my credit card information and then pay the vendor through what they said was Pay Pal Credit instead of putting the payment through my credit card. I did not want any credit through Pay Pal. When they emailed me the same day XXXX XXXX, telling me about Pay Pal Credit I emailed them back saying I did not want any credit. I just wanted to make a onetime payment from my credit card. Today XXXX XXXX I received another email saying my payment to Pay Pal Credit is due. I called them and again told them I did n't want any credit through Pay Pal. They said there was nothing they could do because they said I applied for it. I believe this is fraudulent on Pay Pal Credit. I did not want their credit and somehow they stuck me with it and wo n't remove it. What else can I do to have them remove this mistake because they wo n't even after I called and spoke to a supervisor?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian

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 monetary relief
Consumer complaint received 2022-08-04
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: Account information incorrect

Complaint:
XXXX XXXX  ( XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.

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 2022-07-11
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different DLA and the acccounts are illegally beign re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Jim Bottin Enterprises, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 notice multiple accounts reporting on my credit profile that I never opened nor 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
Consumer complaint received 2020-03-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo is illegally releasing customer information to the North Carolina Department of Social Services by selling access to customer account information through an automated system on a daily basis, Customer account holders are not granting permission to have their data released to the North Carolina Department of Social Services. This is a violation of Graham Leach Bliley Act, NC State Statutes and Wells Fargo Data Privacy Policy. DSS then has cart blanche access to customer account information. Wells Fargo has repeatedly denied this issue by saying they have not released account information. I have documented confirmation from an employee at the North Carolina Department of Social Services that this is happening. They even offered to allow me to come in to the Department and see the system for myself. Employees illegally accessed my mother 's accounts without my mother 's permission or my permission as her Power of Attorney. Wells Fargo did this to my mother in XXXX and most recently in XX/XX/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 2016-01-19
Company: Mortgage Research Center, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MS
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 XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the 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 # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX 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 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 2015-11-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal CreditThe email message received by me recently ( below ) confirms illegal withdrawal from by XXXX XXXX XXXX account in the amount of {$670.00}. Recently, I purchased an iPhone from the XXXX website, on a 6-month interest free plan confirmed by PayPal. I had already made a {$250.00} payment on this account a few weeks ago, and was horrified when PayPal informed me that the above amount was transferred from my account. 
Conveniently, the message arrived after the amount was transferred, and consequently, no opportunity to dispute. 
The 6-month interest free plan is misleading and deceptive, and the withdrawal of the remaining amount owing that was not authorized is nothing short of theft. 
Internet blogs confirm that this unethical business practice by PayPal goes on all the time. 


Hello XXXX XXXX, Thank you for making a payment online! We 've received your PayPal Credit Payment of {$670.00} and have applied it to your account. 

Here are the details : Your PayPal Credit Account Number Ending In:XXXXYou Paid : $ XXXXYour Payment Date*:XX/XX/2015Your Payment Confirmation Number:XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They have issued fees to my checking account in regards to atm transactions and debit card transactions which is against the Overdraft Protection Act of XXXX. I have reached out to them to have them reverse the fees and they have denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my 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 2022-07-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : XXXX XXXX XXXX Balance : {$550.00} Equifax XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX : XXXX XXXX XXXX Balance : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from Online Information services for a debt that had incurred from XXXX of 2021 from an energy company- XXXX XXXX based in North Carolina XXXX I had never living in North Carolina nor have I ever requested the services of XXXX XXXX. The bill was for {$860.00}.

Company response to consumer: Closed with non-monetary relief