BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : DEPT OF EDUCATIONXXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2023-06-20
Company: WELLS FARGO & COMPANY
State: MD
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:
In XXXX of XXXX, I returned shoes that I purchased from XXXX totaling to the amount of {$3900.00}. This merchandise was returned in accordance of XXXX XXXX return policy and was returned using a return shipping label that they provided me. By XX/XX/XXXX, I had not received my refund for the amount stated above and I reached out to Wells Fargo to dispute the initial charge on the grounds that I returned my merchandise to the merchant and they will not issue credit. Alongside filing this claim, I provided Wells Fargo with as much relevant information as I possibly could including evidence of the attempts I made to resolve this issue with the merchant, the return tracking details, the order summary, confirmation from the merchant that they have received my return, etc. After months of debate, Wells Fargo has concluded that they will choose to ignore all of the evidence that I've provided and they will not complete my dispute without a written confirmation from the merchant that states " I am supposed to receive a refund ''. This is the most absurd thing I have ever had to deal with because I've done everything in accordance with the merchant 's policy and they are still choosing to ignore all of the evidence I've provided. I feel discriminated against and this response is completely unacceptable because we're not talking about a small amount of money here. I have full documentation showing I returned the merchant 's items and that constitutes a refund, it's as simple as that.

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 2023-08-08
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran since XX/XX/ I had XXXX separate loan companies for my student loans. I applied for discharge through Nelnet in XXXX and received a letter from Great Lakes dated XX/XX/ that my account was closed and they updated my credit information in XXXX that the account was closed. NELNET LNS never updated my information with the credit companies so I filed a dispute XX/XX/ through XXXX on XX/XX/ the dispute was updated with no change. I logged into my Nelnet account that shows a balance of {$0.00} at that time, I then called them and asked about the dispute and was told that the information on their side shows I still owed around {$120.00} when I asked how that could be because it's a discharge from Dept of Ed all I got was the run around from the person that it was possible to still owe money which I knew was not true. I figured I would wait a while and see if my credit info gets updated as of today it is still on my credit report. I just also logged into my Nelnet account and instead of a discharge it shows a payment on XXXX of other and yet I still have an incorrect balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a small business owner, I opened American Express ( AMEX ) XXXX XXXX  card on XXXX. At that time, AMEX advertised : Card owner will " earn XXXX Membership Rewards points after {$15000.00} or more in qualifying purchases are made on the Card within the first 3 months of Card Membership. ", in my case, the first 3 months is " from XX/XX/XXXX to XX/XX/XXXX. '' and I spend a total of {$24000.00}. ( The total spend amount and the " first 3 month time frame info '' are from AMEX customer service online chat history. ) I used to call AMEX customer service about points issue, they told me my points is pending, and considering my " first 3 month '' is ending by XXXX, to avoid any purchase return, they will give me points by XXXX which after 3 month of XXXX statement closed. And I accepted and I think that's totally fine. But after XXXX I did not see XXXX points under my account, so I called AMEX/chat with AMEX online customer service for over 5 times, they admit I do spend enough money to get the points and all they can tell me is my points is pending, as long as I pay for the current statement balance, the points will be put into my account. So I did what they asked but never see any points. A supervisor of AMEX said she will open a case for investigation but she never follow up with me. AMEX obviously do not has a reasonable and appropriate grounds to let my points " pending '' for such a long time, it might " pending '' for years. As a small business owner, I tried all my best to communicate with AMEX but on one care about my situation, it makes my life harder I was planned to use points buy air tickets for business trip, save some money and support my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with Transunion and XXXX and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : 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 2023-08-05
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 PayPal I Sent My XXXX  {$190.00} PayPal Charged A Transaction Fee {$5.00} She Only Received {$180.00} XX/XX/2023 PayPal I Sent my XXXX  {$1100.00} PayPal Charged A Tranaction Fee {$35.00} She Only Received {$1100.00} In Both Cases There Is No Transaction! 
There Is No Shipment! 
This Was Simply Money Sent To Family Member! 
Since There Is No Transaction No Shipment No Transaction Fee Is Applicable! 
Consequently No Transaction Fee Should Have Been Charged! 
I Want Both Fees {$5.00} {$35.00} For Total {$40.00} Refunded! Asap! 
These XXXX Fees Should Be Investigated! 
I'm Sure I'm Not The Only Person That Have Been Erroneously Charged These So Called Transaction Fees When In Fact There Was No Transaction! 
Your Assistance Is Greatly Appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IN
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:
Please review the attached documents. I urge the bureau to investigate these accounts reporting me as late, a situation that does not align with my timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
It's been over a year since i've tried to close my account. I submitted this claim to the CPFB a year ago and paypal still refuses to close my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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:
In XXXX of XXXX I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for Equifax for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that Equifax will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of XXXX You have 15 days to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
We have made several attempts with XXXX XXXX to correct the inaccurate information on our credit report. Account was paid in full and close XXXX 2020. However, XXXX XXXX has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, XXXX XXXX has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to XXXX XXXX trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and XXXX reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against 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 2023-03-31
Company: Klarna AB
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:
We reached out with Klarnas customer service ( XXXX ) for a bill dispute on XX/XX/2022. Regarding about a purchase that was billed on my credit card. It was an online purchased worth {$1600.00} from XXXX XXXX on XX/XX/2022. The XXXX XXXX XXXX was unable to meet our expectations. We canceled our order on XX/XX/2022 due to product not received. We are informed by XXXX XXXX XXXX XXXX Customer specialist to dispute it with the bank. At the very same day is the day we reached out to Klarna. As they reviewed our request XXXX a Resolution Specialist of Klarna. Concluded that it has to be a 120 days from the date of purchase. As you can see from the email conversation was dated on XXXX XXXX, 2022. Its still less than a 120 days from the time of purchase. XXXX XXXX stated through an email to dispute it with our bank to get refunded. I did my part to dispute it in a timely manner that is less than 120 days from the time of purchase. As customer paying with a credit, I am relying with full confidence to Klarna as the credit card company of my choice to mediate this issue. But unfortunately, I have been turned down and disappointed by Klarnas decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
My XXXX card information was stolen back of XXXXXXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from XXXX XXXXXXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I pulled up my account for a balance check before going shopping and I saw an alarming deduction of {$99.00} from my Chase Account. I called Chase immediately and the agent explained to me that Chase Bank have allowed XXXX to deduct XXXX for XXXX consecutive years out of my account without my knowledge. 
I asked the agent if they had any security system set up where if ithere was an online deduction made to immediately allert bank account holders to see if they have knowledge of the deduction before allowing it to go through, and the reply was no. Furthermore, I never signed a subscription with XXXX or authorized them to deduct {$99.00} out of my bank account without my knowledge for 3 years. 
Chase Bank is notorious for allowing companies to high jack your account without any security set in place. This is not the first rodeo I have experienced with Chase. I had a transaction in which I paid for a hotel and it was not what I ordered online. Chase has continually delayed the process of refunding the transaction. I am disappointed with Chase Bank because it's reputation does not match how their banking clients are treated and protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MS
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:
Equifax has been reporting inaccurate info on my credit profile. I ask them to verify info, investigate, and also correct my credit profile. In an earlier complaint, they sent back a response saying that it wasnt right and its not been updated correctly. Under the Fair credit reporting act, they must at all time maintain accurate information. They violated credit reporting laws and is still violating them. They havent provided any proof of ownership.

Company response to consumer: Closed with non-monetary relief