BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or about XX/XX/2022 I lost online access to make payments to my Paypal Credit account via the Paypal App ( Android ), or on the Paypal.com website. This line of credit is provided by XXXX Bank ; XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

In speaking with both parties I have been unable to resolve the dispute, and was informed by a XXXX Bank employee that XXXX Bank does not offer online payment processing directly to Palpal Credit account holders. 

The lack of online payment processing places both Paypal, and XXXX Bank in violation of Paypal Credit Terms And Conditions under the Payment Options clause which states " You can pay by mail, online or by phone. '' The inability to pay online is no small inconvenience in the age of the Internet most Americans make a majority of their payments online in 2022. As a consumer revolving credit account " The Terms and Conditions, '' stipulated that the ability to " Pay Online '' would be available to Paypal Credit Account Holders as part of the Agreement, or terms of contract. 

Payment under the Uniform Commercial Code is no small matter, and neither is impeding payment by denial of service. I ask that Paypay either re-institute online payment processing through their XXXX app, and/or website showing good faith in their obligations to Paypal Credit Account Holders to whom they are in breach to at this moment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian, XXXX, and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX ; Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an account without my written instructions. 15 U.S.C 1681 c. ( 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 2023-08-17
Company: EQUIFAX, INC.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 2022-11-17
Company: EQUIFAX, INC.
State: MS
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:
YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
BANK OF AMERICA refused to accept my claim of identity fraud nd the account was opened fraudulently by someone using my personal information even though I provided proof of the identity fraud.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
This is the several time I've complained about being a victim of identity theft. Experian must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 explanation
Consumer complaint received 2023-07-13
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:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXXXXXX XXXX/Account # XXXX, Account XXXX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2021-05-14
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I HAVE HAD AGGRESSIVE ID THEFT. 
THE DECEPTIVE PRACTICES BY NET SPEND MY PREPAID CARD IS BLOCKED ANDFOR THE LAST FOUR DAYS AFTER SENDING IN MY INFORMATION TWO TIMES EVERY PERSON IN CUSTOMER SERVICE HAS AN XXXX OR XXXX ACCENT. 
IM NOT XXXX IM A CUSTOMER WHOS CASH WAS RENDERED AT THE TIME OF PURCHASED AND MY IDENTITY GIVEN On XX/XX/2021 I purchased a netspend predpaid card in the amount of XXXX for an emergency use when attemping to activate card Its blocked and now they are asking me to provide my drivers lic. Ssn and proof of adress on XX/XX/2021 WAS sent via fax my information ref # XXXX .Net spend. XXXX XXXX XXXX Texas. And today I resend my documents via email to XXXX. I eceive a MAIlER_DEMON REPLY HOWEVER, The EMAIL IS CUSTOMER SERVICE ACKNOWLEDGED MY RECIPT sent EMAIL. I HAVE REQUESTED A REFUND .ACCORDING TO : CUSTOMER SERVICE I WILL RECEIVE A CHECK IN THE NEXT 10 BUSINESS DAYS. I spoke to manager after customer service rep over and over they have caused me nothing but emotional mental tribulations arguing with me. customer service at 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 2023-01-29
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I originally purchased card # XXXX XXXX XXXX XXXX cv XXXX. I went online as instructed to XXXX on the back of the card. I was able to activate the card, but once I tried using the card online it would come back as declined. I went back to the website used to activate the card to check for any issues and received a message that the card information being entered is invalid. I called XXXX after XXXX wks of calling and hours on hold, I was able to speak with a representative that advised the card was activated on a fraudulent website ; therefore, they deactivated the card. I was then issued a new card in which I just received XX/XX/28 I called the number to activate the card instead of using the website. XXXX advised that card # XXXX XXXX XXXX XXXX cv XXXX is invalid. After being on hold for several hours I was able to speak with a representative that transferred me to they supervisor ( XXXX ). She informed me that they are aware of their IVR advising that cards are invalid and currently working to correct. I requested that they issue a check for the amount of {$100.00} because I'm having too many issues with their card. She then requested phone #, email, and XXXX in order to mail me a check for a card that has no personal information attached. I disagreed with providing my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}

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 2023-05-02
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry Capital XXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on XXXX currently today they have been deleted and taking off to this day report never giving to XXXX or Experian they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with XXXX exact same inaccurate collections, hard inquiry if all taking off XXXX why XXXX and Experian continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off XXXX but no other two bureaus. Inaccurate and do not belong to me XXXX and Experian shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.

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 2021-05-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan on a XXXX  XXXX XXXX, financed at dealership through XXXX program at Chase XXXX JP Morgan Chase, NA ). 

Began making regular monthly payments to Chase, no issues until I made two payments in XXXX, 2021 XXXX the XX/XX/XXXX and XX/XX/XXXX payments ) and the loan payment due date did not age two months to XX/XX/2021, only to XX/XX/2021. 

I called and spoke to a Chase representative XX/XX/2021. She stated that it is Chase 's " policy '' that they do not age payment due dates ahead except if the customer calls and requests this, and then, only up to three months ahead. She said that she will " reallocate '' the second payment I made in XXXX, 2021 to age the payment due date to XX/XX/2021. I verified a few days later that this had been done. I also requested to talk to a supervisory or management person about this " policy ''. She said that she had to submit this for a supervisor to call back one should call in 24 - 48 business hours. 

I never got the supervisory / management call back so I called Chase again XX/XX/2021. The representative referred me to a supervisor. That supervisor verified that failure to age ahead for payment ahead was a Chase policy, requiring the customer to call in for " reallocation '' of such payments when making them. He said that this was not his first such complaint and that he would submit this to management group as " feedback ''. 

On XX/XX/2021, I made another payment, which should have aged the payment due date to XX/XX/2021. However, it stayed aged to XX/XX/2021. 

On XX/XX/2021, I again called Chase. The representative said that if the payment due date is more than XXXX XXXX XXXX XXXX days in the future, the payment won't age the due date further unless the customer calls in to make this request. Such payments are applied as " principal ''. He agreed to request corrected reaging for this payment. I noted that in my payment history on XXXX, the XX/XX/2021 payment is shown as " payment '', not " Principal ''. He stated that despite this on Chase 's own records, it was considered " principal '' unless the customer calls in for reaging. 

Chase is unilaterally revising contract loan payment terms without any borrower agreement or authorization. A contractual monthly payment is exactly that, except when applied by Chase under their " policy ''. I further note that Chase does not even note or disclose this when accepting such payments through their web site. 

Loan documents set out loan repayment terms. Neither the lender, eventual holder, or the borrower can unilaterally revise these terms without full consent of any other parties to the loan documents. Chase call this illegal modification of repayment terms their " policy ''. That does not make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Southwest Rewards Premier Visa card towards XX/XX/XXXX in order to receive XXXX bonus points for Southwest Airlines. I was approved and on my first statement cycle, I met the requirements to earn the promotional points. The statement in the advertising said, " To qualify for your bonus points, you must make Purchases totaling {$2000.00} or more during the first 3 months from account opening. Please allow XXXX to XXXX weeks for bonus points to post to your Rapid Rewards account. '' I spent the required dollar amount within the first statement cycle which ended on the XX/XX/XXXX. I made the purchases in the time frame I did because of the statement saying " please allow 6-8 weeks for bonus points to post to your Rapid Rewards account. '' On the XXXX, the points were transferred within the same business day to Southwest Airlines and into my Rapid Rewards account. Because of this time frame being significantly outside the stated XXXX week time frame, the promotional XXXX bonus points did not post in the XX/XX/XXXX calendar year like it should have in order to be counted towards my companion status. When I made my decision of when to apply for the card, I went by the stated expectation time frame for awarding of points as 6-8 weeks. Had it said " up to 6-8 weeks '' I would n't be upset, but had I known that they would have been awarded and posted on the statement close date, I obviously would have not spent the required amount in their first statement cycle or would have applied for the card a week or two later. 

I feel that if Chase were up front with their customers about how long it takes for rewards points and to let the customer know when they receive their card what their statement cycle dates will be. For me, my statement date started XX/XX/XXXX, but I did NOT receive my card until the next week. Again, had the statement date been given, and explanation of time frame for points to post to the Rapid Rewards account, consumers can make better choices and better manage their spending if they are trying to achieve something specific. 

The wording in ALL of their advertising for promotional deals is VERY vague and misleading because it leaves too much to interpretation. It also leads customers, like myself, to have a reasonable expectation to take statements on advertisements like " Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account '' as a definitive time frame. If this expectation is being given as written, and this is a direct quote from their current advertisement ( and was the same as when I applied XX/XX/XXXX ) than it is reasonable to assume that consumers are going to expect and will plan on it taking that amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.

Company response to consumer: Closed with explanation