BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Paypal Holdings, Inc
State: TX
Product: Credit 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:
My PayPal account email : XXXX PayPal case ID : XXXX XXXX never received a package from the seller from XXXX paying through PayPal. The package was worth {$810.00} USD total and XXXX told me to settle the case via PayPal. The package was supposed to arrive on XX/XX/23. 

The seller did not require a signature upon delivery, and the package was only insured up to {$100.00} per USPS. I have attached screenshots of my communication with the seller in an attempt to ask for a refund and resolve the issue. Seller did not provide me a refund and the issue was not resolved.

Initial USPS case ( case # XXXX ) was closed with USPS unable to find my package or resolve the issue. USPS customer service representative I called on XX/XX/23 recommended I reach out to PayPal to resolve this issue. USPS started a new case ( case # XXXX ), but the representative stated, due to the package only being covered {$100.00}, I should file a claim with PayPal. 

I have called PayPal at least 4 times since filing my claim and the representatives refuse to resolve my issue. PayPal 's policy states that, for any item over {$750.00} USD, a signature upon delivery is required for " Proof of Delivery. '' The seller in my case did not do this, and I still have not found my package despite checking around my apartment complex and calling USPS multiple times.

Thus, there is no " Proof of Delivery '' per PayPal guidelines.

One PayPal representative told me the case would be resolved during the first week of XXXX. It is now past that and nothing has been resolved. 

Another PayPal representative stated that they contacted USPS, but USPS would not provide them any information as the USPS investigation is separate from PayPal. Therefore, PayPal using USPS as an excuse to delay resolving my case is not valid.

PayPal is refusing to work with me to come to a resolution for my case, as they have provided me no updates at all outside of me calling them.

I demand a refund from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Number XXXX.has violated my right 15 U.S.C 1681 Section 502 A. States I have the right to privacy.

`5 U.S.C 1681 Section 604 A Section 2.It also states consumer report agency can not furnish a account without my written instruction.

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 2023-11-10
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-15
Company: EQUIFAX, INC.
State: TX
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 UPLOAD AND MAIL DISPUTES FOR FRAUD AND INSTEAD THEY TREAT IT AS A DISPUTE, THEY TOLD ME TO HAVE A POLICE OR FTC REPORT WITH ACCOUNT AND NAME OF FRAUD LISTED AND I SEND THEM THAT INFOMATION EVER I AM A VICTIM OF IDENTITY THEFT FOR OVER THE PAST 3 YEARS OR MORE.I BEENCATCHING THE THEFT THE PAST 2 YEARS BUT LAST YEAR I WAS SICK AND ALSO LOST MY JOB SO I START SEEING THE EXTRA ITEMS COMING OUT MY ACCOUNT, BECAUSE THE IDENTITY THEFT THAT WAS OBVIOUSLY CLOSE TO ME EITHER AS A FAMILY OR FRIEND, WAS OPENING UP SMALLER ACCOUNTS IN MY NAME AND WAS PAYING THEM THRU MY BANK AND WHEN THE CHECKS START BOUNCING BECAUSE I EITHER HAD ENOUGH MONEY FOR MY BILLS THAT I AUTHORIZED TO OPEN OR BILLS I DEFERRED THRU COVID. THESE CREDIT BUREAUS REFUSED TO REMOVE THE FRAUD ACCOUNTS. I GOTTEN A POLICE REPORT WITH THE ITEMS LISTED AT THE POLICE DEPARTMENT INTERNAL SYSTEM, I ALSO HAVE A FTC REPORT AND A AFFIDAVIT OF FACT SWEARING IM TELLING THE TRUTH, WITH THE BANK STATING I WAS A VICTIM OF FRAUD TO THE POINT THAT THEY HAD TO CHANGE MY BANK ACCOUNT. I HAVE MULTIPLE WAYS TO PROVE ITS NOT ME BUT THIS IS THE BEST ONE. MY MORTGAGE WAS {$3000.00} CAR NOTE {$1000.00} A FEW CREDIT CARDS {$500.00}, WHY WOULD I NOT PAY THE {$25.00} BILLS AND {$100.00} BILLS ALSO THESE ACCOUNTS START GOING NEGATIVE IN 2020, THATS WHEN THE CARES ACT WAS SIGN AND IT GAVE PERMISSION FOR CREDIT CARDS CAR LOANS, ALMOST 90 % OF ALL BILLS TO BE DEFERRED 3 MONTHS AT A TIMEAND YOU CAN DO THEM 2 TO 3 TIMES IN THE YEAR. SO IF THEY WERE MINES, ALL I WOULD HAVE TO DO IS DEFERRED THEM. THIS IS MY 5TH TIME SENDING THESE DOCUMENTS TO THE CREDIT BUREAUS AND THE CREDITORS THEMSELVES, AND THEY SAY WELL WE HAVE A COPY OF THE RECIEPT AND COPY OF APPLICATION BUT WHY OF COURSE. NOBODY IS GETTING THESE ITEMS WITHOUT ID AND ID CAN BE USE STOLEN OR BORROW AND I THINK ALL 3 HAPPEN. UNDER THE LAW I HAVE DONE EVERYTHING CORRECT TO GET THESE ITEMS REMOVE. THIS HAS STOP ME FROM GETTING MY SBA EIDL LOAN BECAUSE OF MY CREDIT AND IT HAS STOP US FROM REFINANCING AND MORE. AND HAS STRESS ME OUT SO BAD TO THE POINT WELL IM TRYING TO RAISE MONEY FOR A LAWYER. I AM SO FUSTRATED FOR THEM TO TELL ME IM LYING ABOUT A POLICE REPORT IS FAKE AND THEY KNOW ITS NOT, THEY JUST HAVE TO CALL THE POLICE STATION, THEY HAVE DESTROYED MY LIFE. I WILL NOT GIVE UP UNTIL THIS FRAUD STUFF IS GONE OFF MY CREDIT AND IM REALLY REALLY THINKING ABOUT SUING THEY VIOLATED MY RIGHTS OVER 100 TIMES, THATS 100 TIMES {$1000.00} PER VIOLATION PLUS PUNITIVE DAMAGES AND MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-14
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting a credit inquiry dated XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX that I was not authorized by me and has been as a result of fraud. I advised and disputed this credit inquiry to Equifax and Equifax has failed to remove said inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
THE COMPANY EXPERIAN REFUSE SEVERAL TIMES MY FREE ANNUAL CREDIT REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Huntington Bank advertised a new business checking account with a promotion : deposit {$20000.00} and keep it in the account for more than 60 days to receive a {$1000.00} bonus. I proceeded with depositing {$20000.00} when I opened the account. During the 60 days, the account was charged a management fee of {$40.00}. I promptly called and asked for a one-time reversal of the fee, which was waived. However, due to the aforementioned fee, the account briefly fell below the {$20000.00} threshold. As a result, Huntington didn't pay me the opening bonus, even though that's how they advertised the deal in the terms and conditions. I called and spoke with customer service rep and a local branch manager on a multiple occasions, but I haven't received any follow up communication or resolution of the matter from the manager that I was promised that I would get. Huntington still has my opening deposit of {$20000.00} in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had a few XXXX gift cards that each had a balance of {$200.00}. I attempted to use the gift cards at my local XXXX to purchase groceries on XX/XX/XXXX. The total for my purchase was {$91.00}. One gift card should have covered the entire amount, however, when I tried using any of the XXXX gift cards they were all declined. I double checked the balance of each of them and they were all {$200.00}. I tried running them as debit and as credit and all of them were declined. Interestingly, when I " split '' the purchase amount and told the machine to only charge {$50.00} on the gift card it worked. I could only use the gift cards for a purchase under a certain amount despite them having well over the {$91.00} that my groceries cost. This was the case with several of my gift cards, where I was unable to access the full amount. They were constantly getting declined and when I would call and ask them why they were getting declined they said that the gift cards couldnt be used at my local grocery store ... .. they offered to replace the cards, but as I indicated the cards worked fine if you made a purchase for XXXX or less of the amount that was actually on the card. I was being denied access to money that was mine and their answers werent solutions. Because this happened multiple times at multiple stores, including XXXX and XXXX, this felt like predatory behavior from them. 
I contacted the company on XX/XX/XXXX requesting a refund for remaining amount on each of the gift cards since I was unable to use the entire amount on the gift cards. I sent them all of the information they requested, this included pictures of my ID, pictures of the front and back of the gift cards and receipts evidencing the declined transactions. I emailed them XXXX month later to check the status of the case. They never responded. I called them at the end of XXXX and the customer service representative told me that he would mark the case as priority and I would hear back within 48 hours. A week later I still hadn't heard back so I called them and they told me that they didn't receive pictures of the gift cards in the initial email I sent. I could see on my end that all of the images included in that email had sent. Nevertheless, I resent them the pictures of the gift cards. I received an email back saying they could not refund me due to terms and conditions. I read through their terms and conditions and didn't read anywhere at all about them unable to process a refund. I emailed back asking them to be more specific about the terms and conditions and where I could find this information he was referring to. They emailed me back and told me the case was closed. I have been unable to get a timely response from them to update me on the status of my case and they have failed to inform me on several occasions why this case was never moved forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Despite multiple written requests, the unverified items 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 XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Social Finance, Inc.
State: NY
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:
on Eperian report, it shows unconsent soft inquiry of SOFI Lending ( XXXX tel ) given unknown resource using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my credit report I found errors, invalid and accurate accounts reporting on my account.

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 2023-10-22
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Back in XXXX I went to collections for a minimal fee at Curacao. I think it was for a dollar. It's been paid and when I get my credit report the report says that it's been " closed by credit guarantor. '' It also shows pay status as " PAID IN FULL '' however, it's still popping up on my credit report. In my most recent viewing of my credit report Curacao still shows up and now it shows that my account was reupdated XX/XX/XXXX. Per my credit report, this account is open and active. I have gone to the store numerous times in the pass and they have said this account is closed. 

It is my belief this company is reopening people 's accounts without permission. My credit history is being damage because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2022-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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