BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old information reappearing

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 2021-08-10
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:
I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021

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 2022-03-23
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello XXXX, We are XXXX generation business in XXXX XXXX, We were using PayPal to receive payments from customers. In the last XXXX months itself, we had generated {$320000.00} via XXXX transactions through our business. And in XXXX, there were high sales due to XXXX 's week, we managed to make XXXX shipments which were around {$100000.00}. 

PayPal closed my account on XXXX XX/XX/2022 for no prior notice, they quoted the reason stating " You can no longer use PayPal-After a review, we decided to permanently limit your account as we found potential risk associated with it. '' though they have always make the hold up to {$50000.00} from my account. I can't withdraw it, and I am okay with the hold. 

I immediately took the action and wrote email and call them, but they are not help me with getting back up and going I am not sure if this is a mistake as I assume it has to be. I have not been able to get any sort of help by their calling support or email support. all of my funds which are {$64000.00} on hold for XXXX days Due to this limitation imposed by PayPal, I can not accept payments from my customers, and my business is greatly suffering due to this. We already lost around {$70000.00} for this month. I am also not able to refund my customers. 

I request you to fairly review my account & check Govt documents like XXXX, and further Incorporation documents of our XXXX as well as our invoice. We have submitted all of the shipment tracking details on each of our PayPal transactions. 

Let me know if you need any further information or legal documentation. 

My PayPal E-mail is : XXXX Best Regards. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MT
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: KS
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:
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX       I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-07-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2022-07-09
Company: CURO Intermediate Holdings
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Reporting act XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Credit Control, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I contracted XXXX was hospitalized, I there were some discrepancies that happened with my business account due to my daughter accidentally using the wrong card in her effort to assist me as I was unable to handle my affairs or return to work. It took me a while to recover from the effects of XXXX. 

I am trying to restore my business and open another account due to this one being closed. I sent payment with the most recent communication I received from the debt collection agency as well as communication via email. 

On XXXX I called to verify if payment was received, and it was verified they received it on XX/XX/2022. The representative stated it was sent to original creditor. I asked for communication regarding receipt of payment as well as closure regarding the collection as the balance has been received and paid in full. 

I also sent communication in writing via email, and received no response. 

I was told by the representative that I had to wait 30 days, of which did not make any sense as the account has been resolved with payment in full. I am trying to establish another account so I can conduct business and I need written resolution an closure regarding this debt as it was an account closed associated with my business. 

.

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 2015-10-22
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
RushCard went through a technology transition which has myself, as well as XXXX other people, without access to our funds. We have been waiting for the past 10 days for my direct deposit. My wife has been keeping up with the updates posted via social media incessantly. We have tried contacting customer service, but after holding for literally hours, we are disconnected. We spoke with XXXX representative on XXXX/XXXX/15 and we were told that she saw our direct deposit but there was nothing that she could do about ; we simply have to wait until everything is fixed with the glitch that occurred. 

We are a family XXXX We have tried contacting our utility service providers to explain our situation, but many are unwilling to work with us, especially since we can not give them a date as to when will be able to make a payment. 

We have tried every avenue suggested XXXX ' and RushCard 's social media and we are still waiting to be contacted. We have been to the ATM, as suggested, and my account says {$0.00}. The automated and online system also say {$0.00}. Even the money that was on the card before the transition is missing. 

We have been unable to buy food and gas. I had to borrow money from my boss to simply be able to get to work. We have been to the food pantry to get food. All of these things have terribly embarrassing, especially considering I work to provide for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Sir or Madam : I have confirmation that there was the transaction that between my Checking account ending number in XXXX to the Citibusiness Checking account in the name on XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Branch on XXXX XXXX XXXX. The fund amount was {$50000.00}. However, I have not known the company, XXXX XXXX XXXX XXXX, until I have received the letter from your XXXX, TX, on XXXX XXXX. And I had not received the Personal Loan agreement until I have received the letter from XXXX on XXXX XXXX. In fact, I have a heavy XXXX and I have the Certificate from XXXX agency, and I have received a medication at XXXX medical center, XXXX XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX, XXXX. In addition, I have been hospitalized at XXXX XXXX Hospital ( XXXX ) from XXXX XXXX, XXXX to XXXX XXXX, XXXX. And now, I have hospitalized at XXXX XXXX Hospital, XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX. My heavy XXXX XXXX was known by many people include XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and the teller. 

I thought your teller, XXXX XXXX XXXX, and XXXX XXXX are friend and XXXX XXXX was a long-standing customer for XXXX XXXX at the time, XXXX XXXX XXXX. I had been called from XXXX XXXX many times and he said that XXXX can make new Business Loan because of my Credit Score and my fund at Citibank and he said that the teller talk XXXX XXXX can make new Business Loan with staying with XXXX. I visit your branch though I did not want to go to your branch. I felt to have already agreed new Business Loan between XXXX XXXX and XXXX XXXX before I visit to your branch. Therefore, I have not explained my personal loan, new CD account, and the transaction for the world. In fact my personal loan for XXXX XXXX 's Business Loan and the transaction had been made within just only five minutes. I think that I could not understand them due to my heavy XXXX XXXX even if they would explain me about them. In addition, I had not received the agreement of the loan and any documents at your branch. These processes were finished for just only five minutes. I have not used PIN code of my Bank card at your branch, I do not know XXXX XXXX 's mailing address, and his company. And I am not friend with XXXX XXXX though XXXX XXXX said XXXX XXXX is a friend with me. There is a possibility of discrimination of XXXX. It would be very big problem if the branch could discriminate my heavy XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: First Texas Auto Credit, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I have an emergency, I dont know what to do my car was taking repossessed in morning on XXXX XXXX XXXX XXXX XXXX license plate XXXX bought from XXXX XXXX XXXX and the loan company First Texas Auto Credit approved the loan for {$13000.00} Current balance {$6400.00} Ive been trying to get my car back from the repossession company by going through the creditor and they basically to me I was 54 days behind on my payment I would have to resubmit 10 new references and proof of employment, insurance and {$1600.00} and in cluding storage fees, my car note is only {$37000.00} a month they on only had possession for a day and a half why is itt so high but I wasnt going to be difficult about Ill pay it, she then advise me after I give her everything she ask for, theyll contact me me later to tell me their decision if I getting my car back, now its been day six and I still havent heard a thing from them or even given access to the car to retrieve personal property very important and expensive things are in our car my wifes and I have never been late on the notes but this on, car needed some repairs done we gon na pay the remaining balance soon we gotten our taxas back, Thank you, Please stop them from bullies us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
In accordance with the Free Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2016-05-27
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citi Bank in XXXX XXXX with a promotion code entitling me an account opening bonus of XXXX Thank You Points. My eligibility of the promotion was confirmed both by phone call and security message from Citi Customer service, promising crediting the points in XXXX XXXX. However, Citi bank now denies my eligible points saying that I am not eligible. I have proofs from the account opening and early communication to Citi Bank to show that I am indeed eligible.

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 2022-07-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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 FTC report # XXXX. 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 XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: STERLING JEWELERS, 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:
XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Since XX/XX/XXXX I have been contacting Transunion each month to get this corrected. In the month of XXXX I was told I could not call in and dispute the inquires. I was informed to send the disputes by mail. I check backed in XX/XX/XXXX I was told at first they never received anything. The next time I called I was told I did it incorrectly. The representative connected me to a supervisor and told me I needed an ftc report and or deletion letter. I have contacted these lenders and nothing has been sent especially if they have nothing on file for me. I have tried to file an ftc report but it directs me here. I attempted to call once last time explaining this and no help. 

I Do not recognize or authorize any of these inquiries on my report and need them removed from my Transunion report. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date 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 explanation
Consumer complaint received 2022-03-23
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account : 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 response to consumer: Closed with explanation