BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Paypal Holdings, Inc
State: MO
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 XXXX XXXX, I am writing this complaint to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and consider restoring my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions. I have never engaged in any fraudulent activity, nor have I conducted any transactions that could be considered suspicious or unlawful. 

Despite my compliance with PayPal policies, my account was permanently limited, which has caused me significant inconvenience and financial loss. I strongly believe that this limitation was a mistake, and I am eager to have PayPal re-examine my case to rectify this error. 

I would like to request that PayPal reconsider my account status and restore it to full functionality. I understand that PayPal has a duty to protect its users, and I fully support this goal. However, I believe that my account was unjustly restricted, and I am willing to cooperate fully with PayPal 's investigation to resolve this issue. 

In conclusion, I respectfully request that PayPal re-evaluate my account and take the necessary steps to restore my account to full functionality. I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not familiar with this debt that's the reason that I'm disputing this account because I don't have no idea about it. I ask that you can please remove this from my credit. This is not my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
trans union is reporting inquires that i do not recognize please remove now

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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with no given reason and I still have not received my money from that account..my paycheck was direct deposited into my account the day before it was closed and a check has not been mailed to me .I have called many times still no reason given to why my account was closed or where my money is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
The interest charges from the fraud claim were not all reimbursed. They started accruing in XXXX and I only paid my balance minus the fraud charge and interest associated with not paying my balance in full like I do every month. I called them to ask for the credit of {$100.00} that they still haven't paid and got an email denying my request. So please help me. Thanks. ( I've been a Bank of America customer since 1994! ).

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit reporting agencies removed some but left a few that were due to ID theft.

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 2023-05-01
Company: EQUIFAX, INC.
State: IN
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:
( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a XXXX cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from XXXX, XXXX XXXX and Equifax and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After doing a minor audit I found a fraud charge when I reported it to the credit card company my claim was denied with in 24 hours I dont think this is far as how can they investigate something that fast. I was defrauded and it seems like Barclay Rci elite reward is protecting this merchant instead of me as a customer.

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 2022-10-05
Company: EQUIFAX, INC.
State: NJ
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:
The disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX RETAIL Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IN
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:
Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: NJ
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:
My Wells Fargo checking, and savings accounts were diminished suddenly and without warning, while I and my attorney representatives were in negotiations with Wells Fargo 's attorneys, XXXX and XXXX. They drained all monies {$3700.00} at the time from my checking account with no notice and {$1300.00} from my savings account at the same time with no notice. 


Please also see this : The Federal Reserve Board 's Regulation Z, Section 1026.12 ( d ) ( 1 ) : " General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. '' I never signed anything, electronically or otherwise, regarding a Deposit Account Agreement. I do not recall signing/initialing any portion of a Deposit Account Agreement. 

Since this has happened my account has gone negative, payments scheduled, have been declined and now late, mortgage payment has been declined, due to all of my funds removed without notice on XX/XX/2023.

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 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was scammed by a subscription service that required payment prior to accessing the service. It started around XXXX XXXX XXXX  and I was charged for the service until about XXXX. I was scammed by XXXX  and the scam was mishandled by my financial institution, Capital One. I provided my payment info and proceeded to try to use the service. That is when I was given the message that I have " no active subscription ''. But, my card was still charged by the company, not once, but TWICE per month for a subscription that I was never actually given access to. I was unable to " cancel '' the subscription since the account did not reflect me having one. Yet, I was still being charged for service I was not receiving. I reached out to the email provided by their website and never received a response from the company. 
I attempted to file a dispute with my bank so that I could be refunded. My claim was denied not once, but THREE separate times. I explained the situation each time to whatever representative I got on the phone and I was told that they understood the problem and I just had to wait for the claim to be approved. I even emailed them screenshots with proof of not having any access to their service. After the 30 day waiting period, I received a notification from Capital One telling me that the claim had been denied on the grounds that I agreed to the terms and conditions provided by the seller. I would call my bank back and explain each time that the terms and conditions do not cover customers being overcharged for a service that they are not receiving. Each time I was told by the representative that they understood and were unsure of why it was denied. Only to wait 30 days and have them deny my claim again. I was charged {$56.00} for services that were then withheld from me. I found their XXXX page which actually has another review of a customer with a very similar complaint. 
There is no reason my claim should have been denied the first time since this is an obvious fraud, much less being in favor of the scammer THREE separate times. The explanation that " I agreed to the terms and conditions '' does not even address the problem mentioned in my claim, that I was being charged for services that I was not receiving access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -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 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 2023-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Serving, Inc., ( SPS ) approved a Short Payoff of {$270000.00} with a closing date of XXXX XXXX, XXXX and funding date of XXXX XX/XX/XXXX which accounted for the mandated rescission period for refinance loans in NJ. The closing occurred on the XXXX, the closing documents were emailed to SPS immediately on that day and the funds were wired on the XXXX. However, SPS on XXXX XX/XX/XXXX, returned the wire and now refuses to accept the XXXX XXXX. 
Even though the closing occurred within the time frame that SPS requested, it would have occurred earlier but SPS disobeyed the judge 's order to remove the lien on a second mortgage that had previously been dismissed. Instead, stating that they would take 30 - 60 days to release the lien which would have causd my refinancing to not occur within their set time frame. This caused my attorney to file a clarifying order from the judge, incurring time and cost. 
On a conference call with SPS, the Title Agent and myself, SPS confirmed they would accept the funding wire towards the Short Payoff on that date, XX/XX/XXXX. They promised to send a fax confirmation but never did send it. 
On XXXX XX/XX/XXXX, asked us to send new signed Payoff, XXXX and they then would accept the wire.I did this immediately but despite this, they would still not accept the wire transfer. 
SPS has used negligent serving practices, misrepresentation and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
i need to remove all fraud alerts. and extended fraud alerts. all any statement need to be remove

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 2023-01-18
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX 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 2022-12-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This is the XXXX claim Im making against this bank because AFTER my XXXX claim, they are STILL SENDING ME CREDIT CARDS FROM A CLOSED ACCOUNT. 

I have been dealing with this since the summer. 

PLEASE HELP ME! 

Synchrony bank illegally reopened a credit card of my that was closed for XXXX years. I started receiving credit cards from them, so I requested them to stop. I have XXXX different letter saying my account is closed, yet a month later, I would get a new credit card. The bank keeps telling me its a system error ; whenever I called to close my account their system put it down as a request replacement card. 
I DONT HAVE AN ACCOUNT WITH THEM!!! 

THIS HAS HAPPENED XXXX TIMES SINCE THE SUMMER. 

AND MY FIRST CLAIM WITH YOU, YOU SIDED WITH THE BANK!!! SAYING WHAT THEY WERE DOING WAS OK SINCE I HAD AN ACCOUNT WITH THEM YEARS AGO!! 

This company is harassing me! Please make them stop!!

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 update this suspicious information. I think you have not validated these accounts 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 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