BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
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:
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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2019-03-30
Company: U.S. BANCORP
State: KY
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 was incarcerated for almost 10 years. I was released XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX  and XXXX XXXX signs. They have listed multiple accounts as well as bad checks. US Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and a bad check to 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 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 I contacted EDD to ask for another card to be sent out because I never got my first one and I should have benefits on it waiting, when I told them they they notified me that my card was sent out and activated, they said that I would need to contact Bank of America and file a complete claim with them for fraud and let them know that I never got my card and never used any benefits off of it. On XX/XX/2023 I was finally able to get in contact with Bank of America, I filed the claim with them and mentioned regulation E for at least my provisional credit and they told me it can take up to 10 days for it to be approved instead of actually taking their time to go through with my dispute they denied me on the 10th day exactly so They wouldnt have to provide any type of credit. I filed a police report and everything and they wouldnt give me the email to send it to they just kept saying you have to send it through fax and I told them I dont have access to a fax machine and they basically told me oh well. I was denied today and I filed complaints with FTC FTCB ATTORNEY GENERAL ASSEMBLY MEMBER XXXX Filed complaint with BOA and now the Bank regulator

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 2023-06-06
Company: Albert Corporation
State: OK
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:
On XX/XX/2023, my family and I went to have lunch after an XXXX We ate at the XXXX XXXX and the bill totaled {$120.00}. I handed my Albert card to the waitress to pay the bill. She returned and said the card had been declined twice and gave me the receipts showing it was declined. I then handed her my XXXX card and paid the bill. While she was running the XXXX card, I checked Albert because I knew there was enough money there to cover the transaction. It showed that Albert had charged me {$130.00} for the dinner despite declining the charge. I addressed this with the manager and she brought out the handheld POS system and showed me both declined transactions in their system and then the processed transaction using my other card. Albert is now refusing to refund my money. There is no reason for me to be charged and to be charged for more than the purchase on a transaction they declined. I have been exchanging emails with them all morning and they are saying I now have to get a letter from XXXX saying the charge was canceled. XXXX says the charge was canceled the minute the charge was declined by Albert. A {$120.00} lunch has now cost me {$260.00} due to Albert being thieves. How can you decline a transaction and still charge me for it? I have attached a screenshot of the text saying Albert declined the charges and a screenshot of the actual charge that they still made. Both declined and charged amount were more than the actual bill. I have also attached the 2 receipts from the declined transaction plus the receipts where my bill was paid using another card.

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 2023-03-13
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 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 Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ROBINHOOD MARKETS 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:
Attn : I had invested thousands of dollars in the stocks with Robinhood and I also had a debit card attached to this account. I had fraudulent purchases on my account and once I found out I notified Robinhood immediately in XX/XX/XXXX. 
They have refunded some of the fraudulent charges and some have not been refunded. 
I have been in communication with them constantly and I have been unable to resolve this matter. I have reached out to XXXX to assist with this matter and Robinhood has been uncooperative with them. 
I was referred to your department by XXXX for you to assist with this matter. 

Robinhood XXXX ID : XXXX I had money in the stocks with Robinhood, some items were reimbursed, and then all of a sudden my account went into the negative.

Where did my money go? How can I go from a positive to a negative and Robinhood will not give me an explanation of how this happens?

Where is my invested money in the stocks?

I have repeatedly requested for Robinhood to send me a printout of all these transactions in the past and I have not received any response. 

This is an example of some of the disputed items : The XXXX were XXXX separate transactions XX/XX/XXXX was {$530.00} and on XX/XX/XXXX : {$530.00} So, in essence, all that was returned was the full amount of {$530.00} What happened to the refund for {$530.00}? 

These transactions were credited to my account and then Robinhood reversed them : XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : 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 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 2018-08-14
Company: EQUIFAX, INC.
State: OH
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:
I submitted a complaint to CFPB regarding Equifax failing to block a fraudulent account on my credit file after they received a copy of my Identity Theft Report. Long story short, Equifax added my CFPB Identity Theft complaint to my credit report as a consumer statement. I was not under the impression that filing a complaint with CFPB would cause my complaint to end up on my report as a consumer statement. Equifax never asked my permission and not only that but the my complaint mentions Identity Theft. My complaint to CFPB was not intended to be used for as a consumer statement. I wrote to Equifax asking them to remove the consumer statement they added without my permission and they have not responded to my dispute and still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending this letter to investigate this inquiries this are either fraudulent, illegal, or made without my authorization. 




XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2018-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been a customer with Credit Acceptance Corporation since XX/XX/XXXX. My XX/XX/XXXX used vehicle is unfortunately financed through them. I have XXXX and have recently been undergoing XXXX. I had a payment that was due on XX/XX/XXXX. My next payment was just due on XX/XX/XXXX. A few days ago I called and spoke with a rep and Supervisor on XX/XX/XXXX and told them I was in the hospital and asked if they could give me an extension until the end of the month to catch up payment. They said no and that the disabling switch to cut off the car would go into effect in a couple days by XX/XX/XXXX if I didn't make at least the payment if {$290.00}. I asked if they could put that one payment at the end of the loan due to the circumstances and stated that they do not provide that option. So if you get sick you loose your car. They will disable it from starting and start the repo process. It does not matter how many years of payments you've invested into paying these people. When I purchased this car the dealership stated this was one of the lenders quick to say yes but you don't know how bad the lender is until you start dealing with them. With no options for customers when they have a financial hardship especially due to sickness this lender is not providing consumers with good car loans. They are simply in business for profit and could careless about the consumer. This company needs to be investigated for its practices for no options for consumers to put at least one payment at the end of their loan or the ability to make even a partial payment. Consumers get XXXX   with company. They need to fulfill my request.

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 2019-05-22
Company: SUNRISE CREDIT SERVICES, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me constantly all day. Some days 6-9 times a day. If feel this is harassment due to all the phone calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
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 am writing to follow up on a previous correspondence regarding the XXXX XXXX Bankruptcy entry on my credit report, associated with XXXX XXXX XXXX. 

I sent a complaint about the Bankruptcy from my Credit Report and looks like XXXX was already deleted. However, Experian still refuses to remove it off my credit report. 

The court house already states that they do not report this to the Credit Bureaus. I have attached a document affirming the courthouse 's position, explicitly indicating that the information in question is not reported to Experian or any other Credit Bureaus. 

Given this confirmation from the courthouse, please remove the XXXX XXXX Bankruptcy entry from my credit report with Experian. Your cooperation in resolving this issue expediently is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TN
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:
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 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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 2022-12-23
Company: EQUIFAX, 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 XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have called PayPal 100 Times today trying to disputed purchases In my account and people from XXXX are purposely preventing me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
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: Personal information incorrect

Complaint:
I have contacted Equifax several times to get this issue fix. I contacted Equifax on XX/XX/2018 and recently on XX/XX/2018. On XX/XX/2018 I received a confirmation # XXXX that the following address has been deleted but these address are still associated with my account. All of my personal information is incorrect with Equifax. My name is spelled incorrect. My employee is listed incorrect and associated or previous address are still showing up on my report. I have included a screen shot of a recent report from Equifax still showing the former addresses listed.I have also included ID for proof of identity for name correction. The only address that should be showing up on my report is the XXXX XXXX ... Proof of current address is also included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: GA
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Incomm Holdings Inc.
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid Vanilla Visa gift card for the amount of {$120.00}, from XXXX on XX/XX/2023. I then came home to make sure that my card was active and realized that there was no CVV/security code on the card. It took several tries, but I was finally able to connect with a customer service representative. The representative told me that I should still be able to use it in stores. The following morning I went back to the XXXX that I purchased the card from and explained what happened. I then tried to purchase a small item in the store only to realize that the magnetic strip did not work either. I do not feel like Im going to get anywhere with this company. I know that {$120.00} may not seem like much to most, but for me that was going to be used towards XXXX.

Company response to consumer: Closed with explanation