BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NJ
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 purpose.

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 2023-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for Bank of America Cash rewards card in XX/XX/XXXX reviewing the benefits, terms and conditions of the card. One of those benefits listed in the credit card offer included : " Auto Rental Collision Waiver Benefit ''. I called in XX/XX/XXXX to use this benefit and was told by Bank of America agents that this benefit is no longer active on my account. After inquiring into further detail between various departments. I was told this benefit was removed from my account in XX/XX/XXXX because this benefit was no longer being used. 

I find this to be an unfair and deceptive practice by which the Bank proceeded to remove a benefit that could only be used as necessary and within 6 month time period. 

Additionally, they removed a benefit and I did not receive communication to this notice or given a choice to end this credit card use and or offer alternative options. I also do not know whether this benefit ended specifically for my card or everyone. 

I made a rental car reservation and used this card for this benefit and declined any coverage offered by the rental company based on the information I had this card would include a benefit should I need it. Now I'm responsible financially for this rental car. 

they seem to select and chose which card this benefit appears to be included now. I don't have the copy of the original terms but attaching one from a similar card I found.

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 2022-12-08
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed a proposal with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX, License # - XXXX XXXX XXXX ) for installation of solar panels on XX/XX/2022 which quoted a monthly payment of {$110.00}. No information was provided regarding the total number of payments, payment frequency or the payment due date. Also, it was not disclosed that the financing rate was only guaranteed based on a 0.5 % discount for an automatic withdrawal. When I received the loan paperwork on XX/XX/2022 it had all the proper disclosures but a payment of {$110.00}. That's {$1300.00} more over the life of the loan than promised. I complained to both XXXX and GoodLeap but neither company has taken any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: BAM Management US Holdings Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Please see my prior complaint XXXX-XXXX. The company stated that they located the {$500.00} that their payment provider mistakenly debited from my account, that they have have submitted it to their clearance department and that they will process it ASAP and that I will see my funds shortly. That was over a month agoI still dont have my funds and the company has been unresponsive. This issue originated over 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Albert Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a small balance ~ {$11.00} in my Albert account. I want to withdraw this balance and close my account. Albert won't transfer nor close my account, as it wants a linked bank account statement. The linked XXXX XXXX bank account was already closed. I have provided a most recent statement and Albert still won't close my account and return me the money. 


I want my account completely closed with Albert bank, and any remaining fund in my account be returned to me via a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account # XXXX has violated my rights. 

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

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

Company 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 2023-06-01
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: MO
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 sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XXXX XXXX Syncronic Bank closed my Care Credit account because of inactivity they said they sended a letter advising about it, the letter never came this is a condominium where all addresses are the same only diferent is the unit number I call the bank because my XXXX XXXX app report MINUS-19pts there were not email, no call, nothing, I explained to them how many times I have to return to sender letters from my mail box because they are not mines -my score was almost XXXX XXXX and just because they did not try another way to get in touch with me they close my account and that droop my score to XXXX19 pts, I confirmed with them my address my email address my phone number everything is in order, so why they took a destinations like this?? the end of the conversation they said it's not their problem

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, 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:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As instructed, I sent {$150000.00} by wire transfer to the mortgage servicer, which was confirmed, in order to recast the mortgage. The new payment and terms were confirmed in a letter from the service provider and thereafter, I proceeded to make the new monthly payments as instructed. 
Shellpoint : a ) Refuses to recast the mortgage ; b ) Has wrongfully impacted my credit rating ; c ) Is now no longer accepting my monthly payments ; d ) Has wrongfully marked the account as past due ( since they are refusing payments ) ; and, e ) Refuses to return my {$150000.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. 

My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 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 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 2021-08-29
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Cash App '' account I had noticed multiple unauthorized charges, as soon as I became aware of these charges I contacted cash app to dispute that unauthorized charges and canceled my current card and ordered a new card with new number. I also contacted the unauthorized merchant " XXXX XXXX '' in a attempt to resolve the issue with them directly with no resolve. Upon receiving my new card an account number. I received more unauthorized charges from the same merchant. I once again contacted cash app dispute the charges still with no resolve from either parties and still have not been credited or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AL
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 List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 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 2023-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard Inquiry that I dont know and did not authorize From XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Valor Intelligent Processing LLC has been performing abusive debt collection practices they contacted me by phone, and mail several times regarding a debt that I do not owe and used abusive profane language by phone and by mail. Valor Intelligent Processing LLC violated my consumer rights they violated 12+ laws under the Fair Debt Collection Practices Act and is harming my reputation by claiming that I owe a debt that I do not owe. Attached below will be the Affidavit of Truth sent to them and the invoice sent to them as-well as the letter that they sent me. I am demanding that they compensate me for their abusive practices and violations of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See attached file

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 2021-08-29
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:
Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the Accounts from Us Dept and XXXX  XXXX  two of the account has the date of XX/XX/XXXX, another is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.

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