BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I purchased XXXX cryptocurrency on PayPal cryptocurrency Exchange. On Saturday XX/XX/XXXX I attempted attempted to sell the XXXX and PayPal denied mean that ability over a dozen times. PayPal then proceeded to demand that I send them copies of my driver 's license and copies of bank statements for my credit and debit cards. Note that PayPal did not demand any of those things BEFORE they took my money but demanded them when I wanted my money back. PayPal 's use of the stall tactic ensure that by the time they allow me to sell the XXXX it has significantly dropped in value. Now that PayPal has finally allowed me to sell the XXXX they are beginning another problem for me by refusing to let me get access to the cash. They are denying me the ability to send it to my own bank or back to my debit card. They are denying me a PayPal debit card so that I could use the money while still in the PayPal account. They are denying me all access to my money and even denied me the ability to close the account or remove any of my debit or credit cards from the account. Bottom line is Paypal has stolen my money, refuses to return it to me, and refuses to let me close the account. PayPal is committing theft and they are committing fraud. I want my money back and I want my account permanently closed. They owe me at least {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: MI
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:
Identity theft on my credit report I would like the items removed. It is unlawful to report any fraudulent information on my credit report, thank you.

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 2021-12-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for the XXXX XXXX and XXXX  XXXX on my consumer report. Experian verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX  XXXX and XXXX from my consumer 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 explanation
Consumer complaint received 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has literally been doing absolutely nothing to help me for eight months to resolve my dispute with this rental car company. The company already admitted to overcharging me by {$400.00} for no reason and then they had an itemized bill that didn't even add up mathematically. Thus, they still billed me for an additional like {$700.00} worth. Thus, even those charges were bogus too and I told them that if someone was not happy with the service, then as a credit card company I have the right to dispute it even all together. I told them that it was clearly fraud if they arbitrarily charged my card for no reason on an amount, and the other charges were fraudulent as well. They have been rude, nasty, and disgusting. They've also denied my claims in my checking account for charges that were made for a service that I did not use, which was XXXX, and I have never had a XXXX account. On another card that I have with them, my XXXX card, the same thing occurred, the merchant XXXX overcharged me and they refused to correct it with the evidence as clear as day. My credit score and report has been deeply impacted, because they keep charging me late fees and interest by this and they literally refuse to do anything at all. I am a person with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not fair at all. The last person I spoke with was horrific and said the case is closed and hung up in my face. I have recorded all of the calls that I have had with Capital One concerning these issues. They are lazy, and behaving like a corner store pay-day loan company. I will take them to court. All of their associates and supervisors are uppity, ignorant, and inept. I have received absolutely no help from them at all. I hate this company so much. The last time that I had a problem with a bank and credit card and complained about them vigorously was about 12 years ago. And guess who it was? XXXX XXXX. And guess who had lawsuits from here to XXXX? I received several checks from them, because of their fraudulent behavior in which I sounded the alarm years before they went down. XXXX XXXX XXXX XXXX XXXXXXXX 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 I'm not an XXXX. This is why I have kept meticulous records, voice recordings, and correspondence of their indolent, rash and XXXX  behavior. I want them to follow the law and the regulations governing them. Please assist me because I am dealing with XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is the named insured in my lender placed insurance policy. In 2019, the insurance company approved an inadequate amount of money to replace my roof. I can not dispute the amount because I am not the named insured on the policy. 

Since 2019, I have asked Bank of America to dispute the inadequate money. But Bank of America will not dispute the amount. The insurance policy says Bank of America is the only entity that can request an appraisal for my roof replacement. However, Bank of America will not do so. I can not dispute the amount because I am not the named insured on the insurance policy. 

I need someone to help me instruct Bank of America to exercise its right to request an appraisal for my roof replacement so I can receive an adequate amount of money to replace my roof.

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 2020-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 : - Bank of America teller notified in person of lost/stolen Debit/ATM/bankcard at branch location in XXXX, Florida. 

- Teller put me on notice old card cancelled, new one to be mailed to me ( at my Michigan address ). 

- Bank was supposed to freeze old bankcard. Bank didn't. 

XX/XX/2020 - XX/XX/2020 : - Numerous fraudulent ATM withdraws in Michigan, totaling {$4400.00}. 

- I was in XXXX, Florida at all relevant times as shown by in-person cash deposits with teller at XXXX bank branch on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. 

XX/XX/2020 - I received a notice of low balance ( below {$25.00} ) by email at XXXX XXXX. 

- Note that the bank never notified me of ATM activity by email, text or otherwise XX/XX/2020 - Went directly into XXXX BOA branch. Teller provided three page printout of account activity. I identified fraudulent ATM withdrawals. I filed a fraud claim with the bank. 

XX/XX/2020 - Claim was denied by the bank, asserting the ATM withdrawals were " authorized '' ( on a card that should've been cancelled and/or frozen by the bank, for transactions occurring in Michigan when I was in Florida ) Notes : I have not been in Michigan since XX/XX/2020, but rather Florida since that date. 

When I notified Bank of America of my lost/stolen bankcard on XX/XX/2020 ( evidenced by the fact that BOA sent a new Debit Card and froze online/mobile access ), it should have immediately froze/cancelled the card. It didn't. All of the fraudulent activity occurred after I notified Bank of America of the lost/stolen bankcard. 

While I was making deposits in XXXX, Florida, in-person, directly to a bank teller, the fraudulent ATM activity was occurring in Michigan from XX/XX/XXXX - XXXX, 2020 ( three on same days in Michigan as in-person deposits in XXXX, Florida ). 

I kept depositing money while BOA provided NO notice of ATM/withdrawal activity, until XX/XX/XXXX when I was provided a printout in person at a XXXX BOA branch ( my visit prompted by the low balance notice on the evening before/XXXX XXXX ). I made the fraud claim contemporaneously/immediately. Only then the card was apparently frozen/cancelled by BOA, then of course no more fraudulent activity.

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 2023-07-16
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:
In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX / / Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX Acct. 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. Also, States 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 or any other adverse item of information, other than records of conviction 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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-10-09
Company: OLD NATIONAL BANCORP
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Original loan was through XXXX XXXXXXXX XXXX in XX/XX/XXXX. Old National Bank bought them and started servicing this loan in XX/XX/XXXX. My XX/XX/XXXX payment was made via auto-pay at XXXX XXXX website as was all previous payments. The payment came out of my bank on XX/XX/XXXX, was credited by XXXX XXXX Bank on XX/XX/XXXX, but was mysteriously " reversed '' on XX/XX/XXXX. An error code of " XXXX '' is associated with this reversal, but XXXX XXXX has no explanation as to what that means. This reversal resulted in late fees and continual letters from the XXXX XXXX Collections Dept. However, NO funds were returned to my bank account. 
This " reversal '' is obviously a computer error on XXXX XXXX 's side since my bank balance the day payment was taken was just shy of $ XXXX AND no funds were credited back to my bank. Since then, late fees have been included... 
I called the bank twice before receiving the first late notice on XX/XX/XXXX. After that, I have called the collections department AND the Client Care Dept several times. I have been told repeatedly that XXXX XXXX has no idea what happened or why it happened, but demand that I " catch-up '' on my payments. 
I have corresponded via email that included four months of my bank statements ( proving no funds were returned to me ) AND trace numbers of the payments provided by my own bank. 
No answers yet.

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 2022-10-09
Company: Kikoff 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:
In XXXX of 2022 I began receiving billing statements via email to my non business email address from a company called Kikoff. I researched and found out they are a credit boosting company and they claimed I owed them a balance of {$10.00}. I believed this to be an error but the service looked interesting and so I tried to contact them to get customer service or resolve the outstanding bill. On trying to contact them I found that it is impossible to do so as they have no customer service number. I considered that i may have auto-filled information and may have forgotten and perhaps that is how they obtained my information. I tried to log into an account they said I opened but I could not as no password I would ever use worked. I became more suspicious and I emailed the company explaining my situation. Eventually they emailed back and XXXX flagged the response as a suspicious email. At this point it became evident to me that I was dealing with a fraudulent and possibly fictitious company. I disregarded the emails as spam that was fishing for my personal information. Every month after I kept receiving an email bill of {$10.00} per month. Eventually XXXX credit monitoring contacted me and reported that kikoff flagged my credit and that is when I realized that they had access to my personal information including my social. Those had an extremely negative affect on my credit, dropping my score over 100 points for a {$30.00} balance. I wrote the company again threatening legal action and I've received nothing but patronizing responses from their " support '' team. I disputed the claim through XXXX and my dispute was refused. I am extremely frustrated and my life has come to a halt as the timing of this situation is just as I was intended to leverage my credit for a large purchase. Please advise. Thank you. 

I have currently filed a police report in XXXX XXXX, Florida case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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 personal information. 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Hey I deposited money to my robinhood account & they restricted my account after I verified all of my correct documents & they are holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MS
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 accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 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 2023-01-02
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:
In accordance with the fair credit reporting act ( 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 state 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 2023-03-01
Company: U.S. BANCORP
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
Previously submitted this complaint and received a response which is not accurate from the company. The original complaint ID # is XXXX. The company responded they did not rec the fraud. I have submitted 2 different forms on 2 different occasions and as per an email they sent me the wrong form the first time and had me complete a second form. I don't understand why they say this is not being reimbursed due to a lack of fraud from submission. I have filed police reports, fraud reports, etc. Thanks

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