BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX No. 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.

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 2021-04-30
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Plainly I was Bold Faced Lied to about the terms and conditions of my loan agreement. The Interest rate first and most important! The amount that would be due each month and received only one phone call stating any concern about falling behind on my payment after calling to explain I'd be starting a new job as I was laid of during the pandemic and lost everything while struggling to eat. Without notice they repossessed my car, leaving me unable to get to the new job, walking 15 miles per day.If the country is pleading with Americans to get back to work then please explain how this helps the economy? Rules and regulations should be enforced when dealing with these companies which are designed to take an honest man 's assets from him and his family. Cutting of their primary means of transportation doesn't help anyone get to work, nor does that help our economy. I've put this situation in XXXX Almighty 's Hands and will leave it there. If their is anyone out there who could help me bring awareness to the hardworking family who may be thinking about getting a title loan, please I beg of you, help! Any way will help. This company Title Max should be shut down and the loans given like the loan given to me should be illegal ... Thanks from a seriously hurt hardworking man. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a letter from Wells Fargo that an online application was done to open a deposit account in my name and address.

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 2023-08-01
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed on my account by mistake, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for several years and have always conducted my transactions with utmost integrity. I have never engaged in any fraudulent or suspicious activities that could warrant such a severe action. 

I kindly request that PayPal re-investigates my case and carefully examines the transactions and account activity that led to the limitation. I am confident that upon closer examination, you will find no violations on my part. I assure you that I always adhere to PayPal 's policies and guidelines. 

Having my account permanently limited has caused significant inconvenience and distress. It has also affected my ability to carry out essential financial transactions using the platform. I sincerely hope that you will consider my appeal and, if possible, restore my account to its previous status. 

I truly value the services that PayPal provides, and I am eager to continue using the platform for my online transactions. I am committed to resolving any issues that might have led to the limitation and ensuring that my account remains in good standing. 

I appreciate your time and attention to this matter and kindly request that you review my case at the earliest convenience. If you require any additional information or documents to facilitate the re-investigation process, I am more than willing to provide them promptly. 

Thank you for your understanding, and I look forward to a positive resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent debt validation paperwork to National Credit Adjusters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. National Credit Adjusters mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I have received a phone call from Bank of America for the person asking me are you XXXX XXXX, I said yes he asked me then did you authorize transection from your back account for the amount of XXXX $? I answered no I did not authorize this transaction. He stated that it was a productivity or my event account. And he asked me to open a new account with him over the phone at that point I was unsure of what is going on. I asked him to I got and I will check with the bank. At that time I checked my online bank account and I found that my account was frozen and the money was already moved out. 

Since that time I been calling Bank of America about 3 to 4 hours a day, I never had any communication from Bank of America trying to call me or communicate with me regarding this incident. I had a plain that was submitted a week after the incident, I do not know why he waited for a week from the backside especially I was calling them almost every day. After almost 5 weeks I was able to get a claim number. Throughout the process, it was never easy to reach the right destination of Bank of America, thank you transfer me between departments stating that this is not that her specialty and putting me on hold for about 3 to 4 hours daily. Always received different opinion and all individual based. Almost 5 weeks later, a person from the fraud department advised me to submit a claim on the fraud account. And the first time ever received a communication from Bank of America regarding this issue was mid XXXX when they sent me an email with encrypted letter requiring police report and a list of other documents. I have completed all the list and faxed XX/XX/2022. For now almost 7 weeks and there is no communication from Bank of America with me and the problem is not solved. My money is frozen in the fraud account and I can not use my money at this point. Police report already submitted with all the required documents for the back. My problem is the back not giving me any clear way to communicate with them and even the phone number listed in the letter they sent me, when I called them they say this is the wrong department.

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 2020-06-03
Company: EQUIFAX, INC.
State: AR
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
After paying a {$200.00} payday loan in full XXXX XXXX created a line of credit for XXXX dollars using information from my payday loan file. It was unauthorized and now XXXX XXXX is attempting to force me to pay. Attached is their paperwork which does not bear my signature or contain my correct banking information on the so called contract.

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the second time that I've gotten in contact with Capital One in order to correct the issue the account was paid in full in XXXX the account is still reflecting showing a balance they are reporting the account to the credit bureau 's as pass due which is affecting the score. Completely negligent on their part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wellsfargo charged me around XXXX for a XXXX rental car that I had already paid weekly. They refused to release the hold that XXXX provided me With the account number and just decided to close my account instead as I couldnt afford to pay I was a customer for over 8 years and I feel I was ripped off.

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 2022-10-04
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. 

After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. 

Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I was injured due to me not being able to delegate my funds that were visibly pending even though accounting shows I did not have enough cash to complete the purchase ( s ). As a result, and subsequently, a partial payment was made, with no in store authorized price adjustment. My body and emotional state paid the rest of the actual or overall cost of the transaction ( s ). At the time of the injuries either Cashapp or XXXX XXXX had my cash and I did not possess access to spend any of the pending amounts for any reason. As the company says, the transaction ( s ) were not completed and were voided. Prior to them being voided. I was injured because I did not have access to cash and the release of it to any other companys possession, or peer of the investigated amounts. Those injuries are to be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received notification about a collection placed on my credit. i called the company because i have never seen it before. they told me its medical bill from XX/XX/2017. i have never heard of XXXX XXXX or common wealth financial systems. now they placed it on my credit XXXX  years later i shouldn't have to suffer for a debt that isn't mine and also that is very old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I simply used my accounts and the bank closed them. I was sick and had to take time off work which made me need to use my credit, now I am better got back to work trying to get things back under control and JP Morgan Chase decides to do massive damage to my finances and credit score for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Jim Bottin Enterprises, Inc
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe an outstanding debt which has been placed with Rev Now. I was receiving repeated calls and i don't typically answer unknown numbers. I answered and an automated system asked me to stay on the line while they connected me with a live person. When i spoke to the person I told them they were violating the FDCPA by calling and leaving me messages multiple times in the day. They asked if i was going to sue them or if i just wanted to pay. I said i just wanted to tell them they were going to get into issues with their practices. i set up an arrangement but haven't been able to make the payments. They started calling again and there are repeated calls in a day. They are calling from XXXX numbers. XXXX is a live person from XXXX and then there is an automated message from XXXX. I am providing snap shots from my phone showing the number of times they have left messages in the last 7 days. I realize i owe but they are are not following the laws and repeatedly harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

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 explanation
Consumer complaint received 2019-04-01
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: Account status incorrect

Complaint:
I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX Parrish Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit  report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

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 2020-07-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old debt.

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