BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was attempting to activate the card, after receiving it. I was interrupted twice as I was attempting to activate the card. When I tried a third time to activate the card the recording said the card was locked due to too many attempts. I called the XXXX number located on the card, and since the card was never activated the system could not help me. I did this several times until I was exhausted and frustrated. Since the card was locked and never activated the system does not recognize my card. I went online to activate my card and the online system does not recognize my card since it was never activated either. I called XXXX, and XXXX and the same results. the system can only help you, if your card has been activated. My card was never activated since I never got to this part in the call, and it was locked. I have searched to speak to some one with no avail. After calling all the numbers I was never given the option to speak with someone. Several times I chose the lost/stolen option in hope to speak to someone and the phone would automatically hang up. This system is not designed to assist people if their card haven't been activated, only for consumers who cards have been activated. I was only able to speak to a person when I called Consumer Financial Protection Bureau, but they couldn't help either, they were able to give me the XXXX, and offer me the opportunity make a complaint. Their is a problem with the system for people whose cards have not been activated. Please consider an option to speak with a real person. I did go to the XXXX website and reviewed the frequently asked questions concerning the debit card and no unique incident was like mine. Please help! this is frustration and aggravating you may reach me at cell : XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 : its 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: Caribou Financial, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for my auto loan refinance. However, I was rejected because of my status in the United States. I provided them with my latest XXXX which is my status to study in the United States which states I am studying and my graduation is XXXX, 2024. They rejected me for the fact that I don't have the status after XXXX, 2024. 

I can provide you my XXXX. 

I contacted the lender and this is what he said back in an email. 
" lending partners underwriting criteria requires that a student visa be valid for the length of the loan ; unfortunately, your student visa expires in XX/XX/ 2024 before the term of the loan would end. The lending partner will be sending you an Adverse Action Notice within 30 days detailing the specific reasons your application was declined. The notice will also include specific instructions on how you can obtain a copy of your credit report. '' I feel this is discrimination based on race and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
On XX/XX/XXXX, XXXX charged my account six times ( {$20.00} each time ), and now they are charging {$1.00} today three times. Capital One has locked my charge. I haven't used the card since XX/XX/XXXX when I was in XXXX XXXX, SD at a hotel. My charge card is locked up when I don't use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-07-11
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
This is for Paypal. I was charged in XXXX pounds on XX/XX/XXXX XXXX by mistake and when I contacted the vendor was promptly refunded XXXX on XX/XX/XXXX. 

However due to hidden fees and unfavorable exchange rates chosen by paypal without appropriate disclosures I lost {$35.00} in those two days. When I looked up exchange rates and called paypal they were unable to give me any explanations other than vague explanations about policy changes and when I asked what the fee amount was they were unable to look it up or even let me know. 

This is predatory fine print and fees and it would have been cheaper payign by my credit card directly if I knew and I will not use paypal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online selling because I'm a freelancer since XXXXXXXX XXXX,2021. My paypal account : ( XXXX ) as of now has no stucked funds because I've already withdrew them before my account got limited but I am hoping for the restoration of my account. 
Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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: Block, Inc.
State: AZ
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:
My name is XXXX XXXX and there is several fraud charges from Tagged on my cash app debit card I barely use from XXXX to XX/XX/2023, totaling XXXX .Its my cash app I use for my businesses. After reviewing all my banks and transactions. Ive been a victim of identity theft and my personal info is on the dark web. I have filed a police report, ftc report and had to change cell phone providers and change my DL number due to this unfortunate events. Ive since had to close my cards and change phone carriers for two of my businesss due to fraudsters accessing my phone service account. Ive had several bank accounts hacked and this has been financial hardship on my businesses and personal affairs. I been reaching out to cash app annd tagged and filing fraud and dispute claims and they been denied saying based on the information they received the transactions are not refundable or fraud. When I ask for proof I dont hear anything from them. Ive submitted ftc and my local police fraud report and still no response I reached out to tagged and asked for proof to be sent to me of the fraudulent charges and I have not heard from them to remedy this issue I learned of it in XXXX. Im not sure what to do next. My XXXX account was affected too due to fraudulent charges from tagged merchant and I disputed with tagged for those transactions and they refunded me so why not the transactions on my cash app account. Since then Cash app has took my card without me knowing and I had to chat with two representatives who could not tell me why? Ive had to find another way for my clients to pay me and this all an inconvenience my business. cash app shares info in accordance with its Privacy Policy. Under the " WHEN AND WITH WHOM WE SHARE YOUR INFORMATION '' : They state they can share with others with my consent For example : At my direction or as described at the time I agree to share ; When I authorize a third party application or website to access your information. I would like to give my consent for cash app to share any account details with CFPB. Thanks. I have attached cash app statements I was able to download to show ownership of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/ AND XXXX XXXX  I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.

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: CBC Companies, Inc.
State: PA
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:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it 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: LEXISNEXIS
State: PA
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:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 this account, XXXX 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 an account within 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 purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
Consider this as a follow-up complaint to my previous complaint to remove these specific items : XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} These items must be removed from my file for it is erroneous. The dispute items do not belong to me. Im attaching the required FTC Report for 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " XXXX Bank ''. I have never held any account with XXXX Bank XXXX. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: Was not notified of investigation status or results

Complaint:
Good day! I recently wrote to Experian and XXXX showing my concerns with the fraudulent information that they have been reporting on my credit report. I wrote to them on the XXXX of XX/XX/2023 and also in XXXX  30 days after the previous letter. Till this day I have not heard anything back from them regarding this matter and according the FCRA, any information not verified or refuted within 30 days must be deleted. This is a miscarriage of justice what's going on here and I will definitely also be reaching out to the presidents of these companies and also the Attorney General. None of these accounts are mine and are all fraud. I never authorized any of these companies to open any accounts in my name or to send me anything. Someone used my information fraudulently and I am disputing all of the accounts listed. If they are not removed then I will definitely be filing a lawsuit and seeking compensation for my pain and heartache for what's being done to me. With all the fraud that's going on, I can't believe these companies are still just opening accounts without verifying the information first. Even on the credit reports with the 3 credit bureaus, all of the information has different dates when opened etc with is a violation in itself. Please fix this nonsense as soon as possible because I am definitely keeping a record in case I have to go to court with all these companies and I will guarantee you that I will be seeking compensation for this. Thank you in advance and if I don't get a response soon then I will send a letter and also call the Attorney General about this matter.

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 2022-05-15
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my paypal account, i am using my paypal account for my online business, Business name : XXXX XXXX XXXX description : digital products services or, selling. 
i don't remember, when i start my paypal business, but i recieved my first payment, on XXXX, XXXX, XXXX usd, from XXXX XXXX XXXXXXXX XXXX with transaction Id : XXXX. 
i need to withraw my stuck funds, ASAP, for emergency purposes, and i am hoping that i will get back my PP Account, and able to withraw my funds. Thank you, and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to freeze my credit report online or phone and it does not work. I have an identity theft problem, and need it frozen asap.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: MA
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:
This compliant today was directed to Experian Credit Bureau, as while the XXXX and XXXX XXXX have completed the inquiry removal that I requested them the Experian Credit Bureau have 4 remaining fraudulent inquiries that needed to remove. Still I commend the Experian for trying. but I want all the specifically mentioned inquiries left to be REMOVED from my credit report. Here are the REMAINING FRAUDULENT INQUIRIES that Experian XXXX needed to remove : 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