BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America representatives insisted that our family use the Cash Reward Card ( rather than the Travel Rewards Card ) because it offered the consumer the best rewards points value. That repeated recommendation from Bank of America management was wrong and over the past 5-7 years cost our family approximately {$1500.00} in cash rewards.

Approximately 10 years ago my wife and I deposited money with Bank of America for the first time. We were planning to travel to visit our daughter doing a semester abroard and were encouraged to transfer all our credit card activity to Bank of Americas Travel Reward Card. Over the past 10 years we estimate that we have had transactions on BoA credit cards ( Travel and Cash Rewards ) totaling approximating {$500000.00}.

Several years later another BoA associate ( whose name I have in file ) made the specific recommendation for us to switch our activity to the ( then new

) Cash Card since our travel had ceased and it was supposedly a better deal. The logic had to do with us being preferred members and therefore able to take advantage of the tiered pricing benefits the Cash Card had to offer. We stayed true to that recommendation ( for approximately 5 years ) until approximately 4 months ago when we happened to meet with yet another informed BoA customer representative who admitted her colleagues gave us bad advice. Even on this day, when one representative told us her colleague had given us bad advice, another colleague in the next cu bicle ( again ) wrongly suggested that the Cash Card was still the best place for our family despite my growing concern that we may
be leaving reward points unrealized. It was as if the line was pre-programmed.

When we finally had our spending habits reviewed it became clear that the Travel Reward Card had been the better deal all along ( e.g. past 5-7 years ). With the facts and data this young lady provided, along with the suggestion that we should put our complaint in writing, we estimated that our lost opportunity not transacting with the Travel Reward Card cost the XXXX family in excess of {$1500.00}.

I have since reviewed the brochures that are given to consumers for compliance reasons. They are extremely confusing and for the lay person I find it very difficult to run comparative analysis on which credit card is best for my family. If this misleading information has been given us could it also be happening with others?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: OH
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 hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action against my account. I have consistently used PayPal for various transactions, both personal and business-related, without any prior issues. 

I kindly request that PayPal re-investigate my case thoroughly and provide me with an opportunity to address any concerns or issues that XXXX have led to this limitation. If I have inadvertently violated any policies, I am eager to rectify the situation and ensure that my account is in full compliance with PayPal 's terms. 

Having used PayPal as a trusted payment platform for a considerable period, I rely on it for various financial transactions. The permanent limitation on my account has created significant inconvenience and disruption to my personal and business activities. 

I kindly request that PayPal 's review team carefully assess my account and consider reinstating it if no clear violations of PayPal 's policies are found. I understand the importance of security and compliance, and I am committed to working with PayPal to resolve any issues promptly. 

I appreciate your attention to this matter and kindly request that you respond to this appeal as soon as possible. Restoring my PayPal account would greatly alleviate the challenges I am currently facing. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The 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, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2018-12-13
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update.

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 2021-08-24
Company: Oliver Adjustment Co.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today i pulled my credit report and discovered that this company has reported that I owe them a debt. I never received any notification from this company and therefore my rights were violated

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 2019-11-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2019 I received two separate emails from Synchrony bank stating a trial deposit has been successfully made to my account. I do not have a Synchrony account. One of the emails stated it was for Amazon CreditBuilder. I attempted to contact Synchrony and they told me I do not have an account so just ignore it. 
I researched on Amazon forums and this appears to be a larger problem as many received the same identical email today, and most of those affected have recently used Amazon for either purchases or sales.

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to all parties involved asking for supportive documentation, showing where this debt came from. They refuse to help and state things such as it is verified even though I KNOW its not my debt! I should not be held accountable for things that are not my own actions! I have mentioned multiple times that I live at one address and will only reside there. Ive never needed to move from my permanent address. Upon reaching out to National Credit Systems they wanted to negotiate a small fee in exchange to remove something that isnt mine. I am needing help here! Ive also sent certified letters stating such. Ive even went as far as to provide a police report from XX/XX/2018. Which was the day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not even a year later my identity was used!! Please help me sue this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2021-09-03
Company: Experian Information Solutions 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:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by law

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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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

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 2022-05-19
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX I woke up to an email from chime telling me my email was changed and a text from them telling me my phone number was changed. I immediately called them to try and resolve and let them know that it was not me making these changes but they seem to have a hard time verifying who I was and filing disputes because I was unable to get into my account and verify any of the last 5 transactions that were made on the account. I called them 5 to 6 times that day trying to verify my account and trying to get them to put a hold on my account. I was finally told that there were several transactions made to paysend XXXX, XXXX, and so on. There were unauthorized transfers to my credit builder on XX/XX/XXXX that was about XXXX where the hacker bought several things at the apple store for {$500.00}, {$500.00}, {$2000.00}, {$4000.00}, and {$500.00}, I know this because able to reaccess my account on sunday XX/XX/XXXX for one day only after verifying myself with a picture and ID and took screenshots. As well as made dispute claims with chime. One for my credit builder account amounting in XXXX and one for my debit card/checking account amounting in XXXX On XX/XX/XXXX I was hacked again and still had a hard time verifying myself and the rest of what was left of my funds I believe. I had a hard time getting chime to suspend my account again that day and do not want to reactivate the account until I'm sure the hacker will not be about to get back into it. I got around {$10000.00} stolen from my account. I'm a single mother and this shouldnt have happened. I continue to get emails from chime saying that my disputes dont seem suspicious. As well as emails from them calling me by a name that shouldnt be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : 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 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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to XXXX, XXXX, and Transunion. I am a victim of identity theft.

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 2022-05-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation