BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my XXXX account was hacked and several payment methods stored in that account on that day were used to make a {$25.00} purchase. Two of the credit card companies flagged and stopped the transaction from occurring, however, PayPal did not. I contacted them when I noticed this occurred. They told me it wasnt an unauthorized transaction and I needed to contact the merchant. The charge only has XXXX name on the charge with no merchant or phone number to contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-12-30
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Southwest Acceptance Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My problem happened on XX/XX/19 at XXXX where my car got repossessed for being 4 days late on my payment. I was cunfused since only being 4 days late I thought I can make a payment on my next payday which was 2 day from that. When I called them on the morning of XX/XX/19 to try and pay to get the car back they asked for 2 more paystub and insurance info. That gave my red flags why do they need more info when I just got this car 1 month ago with paystubs and all the info they needed so I can get the car. Still trying to pay and get the car back the lady refused the payment and told me that she needed to look into how much I got to pay to get it back. So still not letting me pay what was due which was {$270.00} she told me I would have to wait 48 hours more to find out how much I have to pay. Which I thought it was what was owed {$270.00}. She then told me she will call me by noon to let me know how much I have to pay to get it back. I never received a call from them instead I called them at XXXX to get a response on what I have to do to get it back instead I got laughed at and was told she was not going to help me cause she didn't like the questions I was asking. I then ask for my deposit to the car which was {$3000.00} cause I work hard for my money and it seem like they were playing games with me which I got laughed at again. I told her she was very unprofessional on how she was handling this and requested to speak to a supervisor which she told me she was the supervisor. I don't how financial companies can get away with treating people with no respect you are dealing with people 's money and lively hood as of right now I have not heard from them and now I get a busy signal when I call. Side note on my contract stats I have 10 day to make up missed payments before late fees not repo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
My credit card statement shows that on XXXX XXXX, XXXX I charged {$170.00} XXXX in person ) at the XXXX XXXX XXXX. 
On XX/XX/2020 I called Capital One to report this suspicious charge. They cancelled my credit card and said they would look into the claim. 
On XXXX/XXXX/202 I received a letter saying they had insufficient evidence that this is fraud so they will not take the charge off. 
I called Capital One on XX/XX/2020 asking for more details about this erroneous charge. They said I actually used the card on the XXXX of XXXX in XXXX. 
I live in Utah and was in Utah on the XXXX when this charge was made. 
I asked them for proof that I used my physical card and signed for the charges that were made. They do not have any evidence but are trying to charge me for this fraudulent charge. 
What are my rights if my credit card information was stolen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: ROBINHOOD MARKETS INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The online brokerage app, Robinhood, has restricted me from withdrawing my own funds from their platform and has provided no reasoning specific to my account. They informed that restrictions such as these may happen if a consumer 's account is in the negative or a previous bank transfer attempt has failed before, but neither of these cases applies to me so my account should not be restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions 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:
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.

This accounts and Inquiries 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 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 2023-02-14
Company: Selene Holdings LLC
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX incorrectly listed my name as XXXX XXXX XXXX, deceased. I discovered this via XXXX XXXX. It showed that Selene Finance reported the deceased status. 
I contacted XXXX approximately XX/XX/XXXX and was told they corrected the issue- the next day my report on. XXXX was reinstated. XX/XX/XXXX my status was again deceased via XXXX. 
XX/XX/XXXX all XXXX bureaus list me as deceased. XXXX is the only bureau with the incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a XXXX employee and I also have a XXXX a account. I also have or had a prepaid account with Chime. I've been their customer for a very long time. Last week I did a very small transfer of just only {$2.00} from my XXXX account into my chime account. After I made the transfer I ended up changing my mimd about the transfer and told XXXX to take the money back, so they did so. After XXXX took the money back chime said there was some unusual activity and they quickly closed my account. After being with them so long, I was shocked by this, and very disappointed abut the fast closing. They closed my account in a heartbeat and refuse to give my {$660.00} that was in my savings account. Chime told me to upload my ID front and back and thats what I did many times. Chime also ask me to upload a letter from XXXX bank to show that I had authorize the transaction. While working at XXXX, I do know we don't write any letters but I did double check with the manager and he said no. What I was given was a stamped account balance summary with the manager signature. That was all I had, so I uploaded that with my ID. They still told me I could't get my money from my savings account because I didn't provide the needed documents. I been calling and emailing them every day to get my money and I just keep getting an automated system through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name 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 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: Navient Solutions, LLC.
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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the complaint XXXX ; The part of Bank of America was closed because they said that I was not authorized to receive information about this loan. The XXXX of XXXX, I spoke by phone with the specialist XXXX XXXX and I explained to her that I had also signed the loan origination documents. They decided to send me by mail the documents of authorization that I never received. 

I am including the documents of origination of this loan to demonstrate that I also signed this loan meaning that I am authorized. I also include a letter of XXXX recognizing that I am part of this loan. I need that Bank of America review carefully this documents to they can cooperative with this complaint I request that the Bank of America send the required information to be able to solve this case. It was not fair that my case gets closed. I request that you talk with Bank of American because I have a right to receive that information, because I was the one who paid that loan and was sued by Countrywide. 

The loan is under the name of XXXX XXXX XXXX XXXX, my ex-husband and I, 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 explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: GA
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:
Since XXXX I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Attempted to transfer {$6000.00} to Roth IRA account at XXXX XXXX via wire transfer from XXXX  XXXX XXXX on XX/XX/2022, Wells Fargo is the bank that handles XXXX 's wire transfers. The account was verified at XXXX  XXXX XXXX and transfer was initiated but was rejected with the amount returned {$5900.00}. There was no disclosure of the exact amount of fee for rejected wire transfers by any bank. This transaction took 10 minutes for {$50.00} profit for Wells Fargo and I never received the service of monies transferred. The account was verified and if the wire went through there is no charge, so why charge for a rejection?? Nevertheless, I attempted to call XXXX  XXXX XXXX and they said it was Wells Fargo who charged the {$50.00}. So I called XXXX and they said even though Wells Fargo handles the wire transfer for brokerage account they can't return the {$50.00} since this is Wells Fargo fee and call Wells Fargo. Called Wells Fargo and they said since I don't have any accounts with them, they can't help me. I told them it was there bank who charged the fee so someone over there should be responsible to talk about wire transfers... they said sorry, can't help. The federal wire transfer # is XXXX and the XXXX  XXXX XXXX transaction Item # : XXXX. Wells FargoXXXX never stated the amount of fee to the consumer or I would have avoided this mishap, let alone say account is verified which can deceive consumers into sending wire transfers thinking everything looks ok.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 number XXXX, XXXX XXXXXXXX account number XXXX, and XXXX XXXX account number XXXX have 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 2020-12-31
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: Their investigation did not fix an error on your report

Complaint:
I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The last four of my social security number is XXXX. Please investigate the following information. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The account type is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. The loan type is incorrect. Correct it or delete it. XXXX XXXX  # XXXX. Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance amount is incorrect, correct it or delete this account. The payment history is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date closed is incorrect, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record XXXX XXXX XXXX PENNSYLVANIA # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX and they also conveyed to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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:
FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries 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