BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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. 
XXXX : XXXX, XXXX 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 explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had issues with my inaccurate information being reported on my credit report and I sent a certified letter to Transunion, along with a copy of my drivers license and proof of address via a utility bill, to verify the validity of the inaccurate information or to remove the information immediately. Instead of doing either of these, Transunion instead sent me a letter as a stall tactic which violates the law. The certified letter was sent and received by the company, TransUnion about 18 days ago.

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 2024-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have made several attempts to open an account with Wells Fargo & they keep denying my application for no reason I would like verification to the problem I have with opening this account

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I might be qualify for damages of my checking and Savings account at the time between 2016-2022

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 2023-01-15
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 XXXX XXXX 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 XXXX 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 2023-01-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Last XX/XX/2022, PayPal decided to banned my account suddenly. I have pending amount that currently on hold that time which is I understand due to their seller and buyer protection. I comply all the information they are asking and never had any issue before, no chargebacks and dispute. I really don't know and I'm still confuse why they put a violation in my account without even giving me an option to clear it. I tried to email them but still no proper detailed explanation like which transaction had caused it. 

I attach below is the transaction history and screenshots of the violation they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have always been able to get my free annual credit report from Equifax on-line XXXX XXXX XXXX  This year, after trying multiple time on multiple days, I would only get a message that said I had to call in to the Customer Care Team. Upon doing so, the prompts are very time-consuming, confusing, and difficult to get through. Some of the prompts directed you to sign up for an Equifax account, which I do not wish to do. Two weeks ago, when I first navigated the prompts to what I thought was the correct location, I ended up at an automated system where I entered information to receive the credit report by mail. What showed up in the mail was not a credit report, but instead a Research Request Form. Today, I called again, and this time was actually able to eventually speak to a person. Supposedly, I am now to receive the credit report by mail. I will wait to see if this mailing is indeed the credit report. 
My complaint : Obtaining the Equifax annual credit report is a very difficult and confusing process. It apparently is not possible on-line anymore. I would ask that Equifax make it a straight-forward and transparent process to obtain one 's annual credit report on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased a business model called the XXXX XXXX XXXX XXXX XXXX through XXXX XXXX featuring its owner XXXX XXXX. I purchased a service where they set up everything to go as PARTNERS to sell affiliate marketing services. Mainly, a diet product. I followed all the requests to purchase additional tools and had given them access to them so they can do their part. I also followed all the trainings to set up the XXXX page required. We have been getting shut down while I have been wasting extra money on paid ads, the reason for the shutdowns I now find out is because they keep creating multiple profiles which is strictly forbidden by XXXX. For this reason, XXXX has shut down my Ad account and I can no longer or ever advertise with them for life for ANY products or services. I have brought all my complaints to the XXXX XXXX support team that is handling my partnership and all I get is the run around. They don't answer. I've posted my complaints on their community forums only to be told to contact support and weeks later I get answers. I keep getting bombarded with emails to purchase additional services to " make my partnership work ''. I was supposed to only pay for this {$1900.00} fee and that was it! The rest of the expenses on advertising is obviously extra but for them to have the nerve to not get my partnership going is just unbelievable. So many other members are complaining and having the same issues. They just ignore everyone and block or erase posts. I have lost enough already, I want this part refunded and this guy XXXX XXXX investigated by the Federal Trade Commission. Paypal Credit is the credit card I used to pay for this and has denied me a refund. They claim that I made a contract with them, I sure did... They did not come up with their part of it! Wasting time responding, having me schedule " call meetings '' that all of the sudden would get canceled all to just gain time on the refund time frame so they could just rob and trick me. They suggest bad practices that I will not go for. It has been more than 7 months already and they have not delivered. Unacceptable.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2023-01-14
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:
the company XXXX tried to collect a debt without my permission and reported on my credit report on transunion without any written document sent it to me before their actions. 

the day the account was opened was XX/XX/2022. 

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-01-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
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:
the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

XXXX XXXX shared information to XXXX XXXX without my authorization.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.

The computer-generated response I received is unacceptable, and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX - XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 6802 - Obligatons with respect to disclosures of personal information- Please delete immediately! 
XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, FL, XXXX- This is not my address. Please delete immediately! 
I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, 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 2022-10-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Beginning on XX/XX/XXXX of the year XXXX till the current, My accounts at Cominity Bank- bjs ending in XXXX, case # XXXX. Along with an XXXX account with a case # XXXX. Both accounts have been in fraudulent use with multiple unauthorized transactions starting from and around accounts opening. I believe my cards were stolen and has been in use since, and all transactions on the accounts are unauthorized and are a result of fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 has violated my rights. 

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

15 U.S.C1681 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 of 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 2023-01-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Kabbage ( XXXXXXXX XXXX XXXX, American Express ) will not close my checking account despite several requests. I must do so over the phone and they will not give me a confirmation number. 

I called on XX/XX/2022. 
Again on XXXX XXXX XXXX after receiving a XXXX  Statement. 
Again on XX/XX/2022 after receiving yet another XXXX  Statement. 

I understand from other customers ' experience that sending a registered letter has no effect. 

They have now locked my account. It has funding of {$0.00}. They would not transfer by XXXX to a linked account. They said they would send me a check, all three times I called. 

While only {$0.00} for me, I understand I am far from the only one being unable to close an account. 

I was also made aware of a fraudulent transaction on my XXXX XXXX XXXX on XX/XX/2022. I was made aware of this by email by XXXX. This would be on a debit card I never received or activated, and my online account reflected the lack of an active debit card. This raises so many questions and red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a white XXXX XXXX on XXXX XXXX XXXX  at XXXX Dealership XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I leased the vehicle for 4 months because that was the only option, they had for me at the time. ( Which I initiated only a 3 year lease contract ) The sales rep at the time pushed me to lease it for 4 years in case I wanted to buy the car. The day I returned my lease on XX/XX/2019, I went into the dealership and advised them that I was returning the car and I did not want to buy another car. The sales rep and manager continued to push for a sale and ask me why I didnt I want to purchase a new car if I had amazing credit. I advised that I no longer wanted to stay with KIA and was going to see other options on my own. The manager then took me into his office and as I returned the car, they had my sign off on the last checkup. As I signed off on the car the manager entered the ending Mileage and noticed that I did not use all the mileage on the vehicle. The manager then said, wow you really dont drive ; you still have a lot of milage left to use. I then proceeded to take pictures of my Lease in case I would get any type of discrepancy and the first picture I took was the mileage which I still have on my phone. As I was getting ready to leave the Manager asked me one last if I didnt want to look at the new vehicles they received for the new year. I once again said no thank you and left. two weeks after the vehicle was returned, I received a letter stating I owed a balance due to high mileage when in fact the Vehicle was left in perfect condition. I have tried for the last 4 years to dispute this collection with XXXX and XXXX, and I am not getting anywhere. So here I am now filing a complaint for Kia 's sales tactics and unethical Behavior of extra fees that should have never been billed to me. I certainly feel that my car was most likely used after it was returned or some false information was entered when the charges were made. I am disappointed and disgusted with KIA as I was a great customer who was never late on their payments. Until the Lease was returned you can see on my credit report where the issue started and the negative impact it took on my credit score.

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