BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Account # XXXX, has violated my rights. 

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 a 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 explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXX XXXX XXXX  account number is XXXX ..... 

XXXX states account balance is {$3500.00} experian states balance is {$3500.00} XXXX  states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX  states XX/XX/2017

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, the following accounts has violated my rights : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 31 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 a 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 2022-06-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} XXXX states balance is {$0.00} equifax states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

transunions states balance is {$3100.00} XXXX  states balance is {$0.00} XXXX states balance is {$3100.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/201XXXX XXXX  states XX/XX/2017

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 2023-10-19
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously, disputed with creditor on XX/XX/ and XX/XX/ asking to verify or delete as I do not having account open. It's been over 60 days and I haven't heard back from them. I sent them a copy of credit report to further assist with request. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/23, I was contacted by the fraud department at TD Bank who suspected alteration ( name whited out and replaced ) of a payee on a {$11000.00} check deposited there drawn on my account at Wells Fargo. I confirmed a different intended payee and fraud was confirmed. I immediately contact my bank to alert them to the fraud, closed the account and transferred funds to a new account I completed and sent the notarized affidavit at the Wells Fargo branch. Despite that there are no contested facts in this case, I am being told by Wells Fargo that return of my funds may take 4 months subject to an investigation and even then are not assured unless they recover funds from XXXX. As I have satisfied my requirement for immediate notification, I am seeking immediate return of funds to enable me to compete payment to the original payee. I have repeatedly requested same form multiple individuals at Wells Fargo to no avail.

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 2022-06-07
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: Public record information inaccurate

Complaint:
XX/XX/2022, re : Equifax unverifiable Bankruptcy reported on my credit report. Bankruptcy Court Case No. XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022, I sent a letter to Equifax Credit Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX. In the above referenced bankruptcy. As of today XX/XX/2022, no one has responded to me yet. Equifax never removed the bankruptcy nor has my score changed according to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Equifax credit report they have no intention of correcting my report or my credit score. The FCRA mandates that Equifax correct this unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change to my credit report or my score. I am attaching a copy of the letter that I sent to Equifax on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022, signed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-09-28
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received an email from PayPal, on XX/XX/XXXX, stating my account is permanently limited after a review. I called on XX/XX/XXXX and asked a customer service agent, why was my account limited, she said I can not give you that answer, I then asked for a supervisor and he said PayPal, will contact me within 24-48 hours, they never contacted me. I called again on XX/XX/XXXX, I talked with account manager XXXX, he said PayPal would contact me and once again, they did not. I had 2 XXXX  's with PayPal as soon as my account was limited, I sold my XXXX  and PayPal, charged me a fee of about {$90.00}, but I was not allowed to transfer my {$5600.00} to my Bank account. I read PayPal 's user agreement, it says after 180 days my money can be released and transfered, however, it's been 214 days and I still can not transfer my money. I sold my XXXX {$2600.00} XXXX and that is also not able to be transfered to my Bank. PayPal, charged me about {$39.00}. Interesting PayPal, takes a transaction Fee, for both XXXX and XXXX but still will not release my money! I even tried to make a formal complaint but PayPal 's site wouldn't allow me, too.

I signed up with PayPal back in XXXX, when I was selling on XXXX, never had an issue until out of nowhere, PayPal, limits my account and " never '' gave me and explanation, truly unprofessional and poor business practice. I then called after the 180 days, and the customer agent stated if I'm eligible or if I qualify, then I will receive my money, I've " never '' heard of such profound nonsense in my life, I have to qualify for " My Money '', its outrageous to even mention something that absurd and foolish! Bottom line PayPal, is operating rogue and doing whatever they want to, with my hard earned money, and I'm not going to allow them to steal " My Money ''. Something Needs to be done with this Unethical business, they do not understand customer service and certainly operates with no regard to there customers, meaning me and I'm sure many others, as the internet shows All the lawsuits against this company, that are ongoing. I would hope the new CEO, is ethical and professional unlike the former one, XXXX XXXX! Warning do not use PayPal, or you too may have sleepless nights, hoping and praying you get your money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
THESE INQUIRIES IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS 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 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Frontline Asset Strategies, LLC
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an issues with XXXX XXXX, which was owed by XXXX. They billed took money out of my account for a phone I returned and would not give it back until I sent the phone back but I had prove I did from XXXX  XXXX. I ended up reaching out to the president of XXXX and she had a escalations rep contact me. He as able to verify that the phone was received back and it was at the warehouse. Due to their negligence, they allowed me to make a clean break and unlock the phones to take them with me due to their major mistake. XXXX keeps trying to collect on it and it is not owed. One debt collector let it go with the proof I had but Frontline Asset Strategies is still trying despite the proof I provided. It is not fair and if XXXX said I was able to make a clean break in 2019, why am I still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-09-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has been calling me repeatedly and while im at work throughout the week

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 2022-04-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I tried to sell my gas range on XXXX marketplace. The buyer said she transferred {$250.00} via XXXX from her account to mine. I never received that amount and instead received an email saying that buyer is using her business account for XXXX and she will have to upgrade her account by sending {$200.00} more because there is a limit. 
I then got an email as if it came from XXXX saying that {$450.00} is on hold and I have to credit back {$200.00} to the sender. I initiated a {$200.00} XXXX credit which got processed and I never received {$450.00}. Later bank of America ( my bank ) told me that it was a fraud.

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 2022-04-24
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I requested student loan from Sallie Mae to pursue a medical program ( XXXX ) at XXXX XXXX. Since this was my first experience dealing with banks and financial institutions, Sallie Mae bank created several loans with several accounts with different interest rates varying roughly from 7.00 % to nearly 20 %. Unable to recall all the technical details and exact numbers. I started making interest payments only for quiet some time. Now the bank is squeezing me real bad. They are obligating me to pay more than {$3000.00} each month and I am expecting them to increase this month in the near future. I just started working as an entry level XXXX XXXX and basically my whole monthly earning goes to Sallie Mae

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I found out somebody used my name and Social Security number to open a checking and saving account with PNC Bank. I contacted the bank and let them know this was fraud and had the account closed however they refused to give me any information about the person who open the account. They have a photo ID of this person on file and they said it is definitely not me but it has my maiden name on the ID but the rest of the information on the does not match my real information and because of that they could not give me any information from the account even though I brought my drivers license, my Social Security card, my birth certificate, and my marriage license. I even reached out to corporate and was told they cant do anything. That is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired money to a person who was going to invest it in crypto. My money would mirror his trades. I did {$100000.00} on XX/XX/2022. Then {$50000.00} on XXXX XXXX, then {$50000.00} on XXXX XXXX, and finally a {$30000.00} on XXXX XXXX. All these wires were sent from my Wells Fargo to his XXXX XXXX XXXX Bank. It all went to XXXX, where it was transferred to bitcoin and then sent to his crypto wallet : XXXX Please help. Im devastated. 

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 2022-07-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XXXX & XX/XX/2022 someone hacked my bank account and used XXXX stealing XXXX dollars. Theye added them selves with a name of XXXX XXXX and it had an email address XXXX actually showing it going to a XXXX XXXX. None of these transactions were authorized by me I went to the bank and I disputed them and got a denial letter I already change my password and everything. According to the CF. Website As discussed in Electronic Fund Transfers Error Resolution : Unauthorized EFT Question 1, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. This includes P2P payments.

I attempted to contact the email address but no luck. I filed with the bank and they basically accused me of giving out my login information even though The branch XXXX and myself made it very clear that I didnt share with anybody. In fact I was asleep when this happened. I want my money back as that is my kids school supply and clothes money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 1. XXXX XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX, 3. XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a 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