BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}

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 2021-04-11
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account without a reason and can not help me to get it back to running. Since they can not help me to reinstate my account, I turned to use different paypal method. As for the paypal balance that I have, they says, that will be available after it has been limited for 180days. However, On XX/XX/2021, I noticed that paypal has taken the the money from my account, the amount is XXXXusd. I can not believe that paypal did such thing on me. I have been waiting for the money for a few months, because PayPal says I can withdraw the balance from my account after 180days when they close my account. 

I heard that CFPB can solve this problem, that's why I'd like to report this to you and hope you can solve the problem as soon as possible. my email linked to this paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 filing this complaint for falsely reporting misleading information. There is no 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 2023-01-07
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
on XX/XX/2022 Social security sent my social security direct depost on my a netspend card and they refuse to deposit it or open account. The emailed me they needed more information like a social security card. Once I sent the upload of a social security card they sent the deposit back to social security and reported the card they mailed to me lost/stolen. Social security rec 'd it but the earliest it could deposit monies was on the XXXX of XXXX and I now have late fees such as a {$49.00} dollar late fee and a {$100.00} NSF fee. I feel like other bias cause issues as every time I call Netspend they put me through to automated voice system knowing card is deactivated and system will hang up on you. I have another account that provisitional credits is due on and yet not refunded. Deceptive practices has cause me to be late on rent.

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 2020-06-19
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Attempted to transfer funds totaling {$350.00} on XXXX from my personal XXXX account ( via PNC checking analysis account ) to an external XXXX account belonging to a friend and was blocked from doing so by an error stating that PNC has made a change which prevents me from being able to link my accounts. I use this XXXX service frequently and need its use restored. 
PNC and XXXX recommended I file a complaint with the CFPB in order to have service restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account XXXX XXXX XXXX XXXX XXXX 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 : 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 of 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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted Wells Fargo Bank about the Mortgage Wrongful Foreclosure CFPB has order to pay for their improper denial of mortgage loan modification they did in the past. 

I am submitting this complaint, because I have contact them many times to inquire in reference to the amount they should pay me under the order of CFPB, they only took my name and cell phone number, and have decline to let me know when they will process my refund, and have not contacted me at all. 

I tried for almost 2 years to request a mortgage loan modification, and I ended hiring an office to help me take care of the modification, but Wells Fargo bank did not help in any way. They sold the property, when they even agreed that they would help.

I want to request the aid of CFPB to have the Wells Fargo Bank issue a check to pay me off for the improperly denied mortgage loan modification, ilegal foreclosure and sale in a public auction on XX/XX/2018.

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 2020-06-19
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX  ', it will not work at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This " Company '', ACE, said they were collecting a debt. They said they would arrest my wages and get a court order from the credit bureau. 
I don't know if it is a scam. I owe money and will pay, but first they said {$2600.00}, then it was {$900.00}, now it's {$300.00}. What do I do? They said to pay via a XXXX prepaid card. They only go to {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TN
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 has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/18 my account went into overdraft in the amount of {$3.00}. I immediately deposited {$5.00} into my account which brought my account to current with a new balance of {$1.00}. 

I checked my account today to see if my travel check was in my account and it has not yet been direct deposited. I immediately noticed my account negative in the amount of {$43.00}. I did not have any new transactions and everything was posted into my account. 

I called the bank and I spoke to two representatives plus one supervisor and they all refused to give me my money back. I have my receipt from my deposit showing my balance was current yesterday. The first representative asked me a lot of personal questions from did I have a pay decrease, what is making me have financial difficulties, maybe I should cancel one of my bills that I have set up which is XXXX. All of these questions are irrelevant and none of their business. The bank took my money in fees and refuses to give my money back. 

It's not right!!

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 monetary relief
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.

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 2023-02-15
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, XXXX and Equifax I have a police report from XX/XX/2017 when I notice items on my credit report that was never report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
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:
Wells Fargo XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.

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 2023-07-25
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:
In XXXX, XXXX XXXX 's online Fico score app ( by Experian ) showed my " Length of Credit History '' as XXXX years. In XX/XX/XXXX, my " history '' changed to a mere 3 years. Thus, my credit score lowered drastically. 
I have made official complaints to CFPB, Experian + XXXX several times. 
The same inaccurate/ incorrect info was/ is on my Experian app online, to this day. 
I complained, by phone, then requested printed credit reports from 3 bureaus by mail. All 3 showed accounts opened in XXXX ( XXXX XXXX ) and XXXX ( XXXX ). 
Now it is 1 year later, and I tried again yesterday with XXXX & Experian, but I get the same non-answers. Meanwhile, I have had to buy a car and get a credit card with credit agencies who have used this credit reporting co., showing a credit score that is up to XXXX points lower than agencies reflecting my XXXX -year history, and therefore, higher credit scores. 
Can you please get a human to make the change at Experian. They only need to see the XXXX XX/XX/XXXX difference ; look at their own source for the info, and change data to accurately reflect their own data! 
It is insanity that I am still having to pursue the cause to change their publishing of data that they changed somehow, and then disbursed to others. This complaint process serves no purpose, if I am still begging both the credit- issuer, the CFPB XXXX and the credit reporting agency to comply with correcting their own info from last year.

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 2019-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Billing dispute for services

Complaint:
On the morning of XX/XX/2019, I visited the TransUnion website to pull my credit score. I have never used TransUnion and do not have an account with them. I had done similar with XXXX the evening before. 

As part of the account setup process, there was a request for my credit card. I thought this was odd, and scrolled back up to see if there were any references to fees or services. I did not see any and so assumed they were seeking to have a number on file in the event that I opted for any services once my account had been setup ( XXXX offers a number of paid services from within the account ). Inside the site, I did not see any references to fees though I did see services that looked as if they would require a fee if I were to request them. At no point did receive a confirmation of requesting a services for which there would be billing nor even see a notification of price for a service. 


Under my profile tab, I noticed a number of boxes agreeing to promotional emails, which I unchecked. I also saw a box to opt into receiving text messages whenever my a request to access my credit was received, which I checked. This prompted a request to enter my cell phone number and an instruction that I would receive a code to confirm. Within moments, I received a confirmation code as well as an email. Within the text of that email was a reference to a XXXX fee and confirmation of enrollment in a monthly subscription fee of the same amount for ongoing credit monitoring. 


That email was the first reference I had seen anywhere to a service fee. To their credit, I was able to get the company to refund the money after a period of time on hold. All the same, the manner of the whole thing left me with a bad taste. Even XXXX 's buy-now buttons make it explicitly clear that you are entering into a transaction. 


TransUnion 's practices around opening accounts for credit monitoring deserve regulatory scrutiny. The company may have set it right, but even then the customer service rep noted they were granting a one time " exception '' and that it would be a number of business days before a refund could be processes for a transaction that had been process minutes before. I believe TransUnion has deliberately attempted to trick consumers into signing up -- if that term can even be accurate where there is no meeting of the minds -- for their services. This places the onus on the consumer to unwind the transaction. A shifting of the burden. Consumers should not be backed into service agreements, particularly not by a credit monitoring service from a company that profits by trafficking in their information.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.

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 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 XXXX XXXX noticed unauthorized charge on my company 's account so call the bank immediately and I shut my ATM card off and even at the time still on the phone with the bank the person with the fake card tried making another charge.at XXXX, XXXX XXXX, N.Y. 
the charge was at XXXX XXXX XXXX in XXXX XXXX, N.Y. for {$170.00} a New ATM Card was sent to me a Temporary charge was credited to the account on XXXX XXXX for {$170.00} on XXXX XXXX the claim was denied and bank took the money back so I called to found why, and only told that the claim was denied with no correspondence from the bank what so ever or a affidavit disclaimer was not sent to me at any time, not even after I requested a affidavit disclaimer be sent to me and still no correspondence. 
from the bank and no further information after reconsideration to reopen the claim. 
nor would get answers about the bank security being breached that was not reported to FTC.

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 monetary relief