BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
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 federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX 1 ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}

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 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$200.00} was fraudulent send via XXXX and {$300.00} was fraudulent send via 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 2023-06-27
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act Convergent Account above 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CNG HOLDINGS INC
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
my prospective employer will not move on with my hiring process bc of a debt on my background check from XXXX XXXX for {$840.00}. i have never gotten any products for this company and had no knowledge of them until today. I also found out that as of XX/XX/2023 they are in a XXXX millon dollar lawsuit over products they sold to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Paypal Holdings, Inc
State: DE
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 submit an appeal regarding the permanent limitation that has been placed on my PayPal account ( XXXX ). I firmly believe that this limitation was a result of a mistake and I would like to present my case for re-evaluation. 

Firstly, I want to emphasize that I have always been a responsible and law-abiding PayPal user. To the best of my knowledge, I have not violated any of PayPal 's policies or engaged in any activities that could warrant such a severe action. I have been using PayPal for a considerable period, conducting legitimate transactions without any previous issues or complaints. 

I am kindly requesting PayPal to thoroughly re-investigate my account and the reasons behind this permanent limitation. It is my sincere belief that there has been an error or misunderstanding, which has led to this unfortunate situation. I genuinely value the services provided by PayPal and the convenience it offers, both to me and countless other users. Hence, I earnestly hope that the issue can be resolved, and my account can be reinstated as soon as possible. 

I understand that PayPal must take measures to ensure the security and integrity of the platform for all users. However, I humbly request a second look at my case, and I am willing to provide any necessary information or documentation that may aid in the review process. I truly value the trust and confidence that PayPal places in its users, and I assure you that restoring my account will not be in vain. 

In conclusion, I kindly appeal to PayPal to re-evaluate my account 's limitation and reinstate it if possible. I believe in the fairness and professionalism of PayPal 's support team and have faith that my case will receive the attention it deserves. 

Thank you for taking the time to review my appeal. I look forward to your positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/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 2021-08-05
Company: U.S. BANCORP
State: VA
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:
Last month I reciev3d a check payable to me for XXXX so I deposited I my us bank checking account so they cleared it so I started paying my bills so I paid my credit card bill of XXXX dollars then I left XXXX which I owed the bank money so they took the rest Later on about 5 days later I couldn't access my accounts online and I was given the run around. So finally I filed a compliant about fraud and I had gotten scammed. The check had already been cashed but was sent to me unwashed so I lost all of my accounts and the bank closed my credit card which had nothing to do with my 3 checking accounts I feel I was treated unfair and discriminated against. These people at the bank got me mixed up and I'm going to sue them I had fraud going on and I am protected. I have fraud protection on all my accounts but a lot of activity from places I didn't authorize My accounts should have never been closed

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 2023-05-15
Company: VW Credit
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 an XXXX XXXX from Audi of Downtown LA for 3 years returning it in XX/XX/XXXX. A few days before it was returned, an XXXX inspection stated that it need two new tires which needed to be the same make and model as the existing ones. If I did not replace the tires prior to returning the vehicle, then I would be charged for new tires. Therefore, I purchased the exact same tires from a tire shop which installed them just prior to returning the vehicle. When I returned the vehicle, it was noted on the return slip that new tires had been installed. 

Yet despite this, Audi sent me an invoice a few days later which tried to fraudulently charge me for new tires. They said that I needed to provide a receipt for the new tires that were already on the vehicle. This seemed like a fraudulent business practice to me since they already had possession of the vehicle with new tires and was just another hoop for me to jump through so I could clear my debt with them. In my opinion, this was the first form of harassment from Audi. Despite this, I sent them a copy of the receipt from the tire shop and asked them to remove the charge for the new tires. They were unresponsive and just kept sending me the same overdue invoice repeatedly. Audi of XXXX blamed the Audi Finance people, and vice versa but nobody resolved it. 

According to my calculations, Audi was asking for {$1600.00} which included the new tires which I already installed. Audi 's charge for those tires was {$480.00} X 2 = {$970.00} plus sales tax of {$100.00} = {$1000.00}. On XX/XX/XXXX, I paid {$620.00} for a damaged bumper to Audi and if you deduct that from {$1600.00}, it equals {$1000.00} which is the fraudulent charge for the tires that I replaced. 

After many emails and calls from my wife and I, the Audi invoices stopped coming. However, a few months later a collection agency contacted me demanding payment. We explained the whole history of the fraudulent charge and they stopped bothering us. We thought the issue was finally resolved but apparently Audi insists on harassing their former customers for many years after their relationship ends. Last week ( XX/XX/XXXX ), over two and a half years after I returned the vehicle, I received a call and threatening emails from another collection agency. I again explained the situation, but they said I had to clear it with Audi. I contacted Audi of XXXX, and they blamed Audi Finance, and vice versa again. Please help me resolve this matter and stop this fraudulent and predatory business practice from Audi.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, my wife and I ( XXXX and XXXX XXXX ) leased a new car from Kia Finance whose contact information follows : Primary : XXXX Alternate : XXXX Mail : Hyundai Motor Finance/KiaFinance America/XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Kia has overcharged me in the amount of {$240.00} in property tax fees. Initially the XXXX of XXXX overcharged me this amount due to a misclassification of our vehicle. But when it realized its mistake, it promptly reimbursed Kia Finance Personal property division for the overpayment. 

Despite numerous phone calls and letters, Kia Finance has refused to reimburse us. Curiously it does not dispute our claim. Instead, it just keeps promising to pay us. It has been sitting on our money since XX/XX/XXXX, based on information we have received from the Commissioner of XXXX XXXX of XXXX Virginia. 

XXXX and 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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Bank of America is an authorize user in my credit report that i dont recognize as mine and i never authorize for...

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 2023-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Support Team, I am writing this formal complaint to appeal the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always made sure to comply with all rules and regulations that PayPal has put in place. Therefore, I am confident that there has been some sort of error, which has led to the limitation of my account. 

I would appreciate it if you could re-examine my account history and transactions to confirm that there has been no wrongdoing on my part. I am confident that you will find no violation of PayPal policies, and my account can be restored to its original state. 

In conclusion, I am kindly asking PayPal to re-investigate my case and lift the limitation on my account. I would be grateful if you could expedite this process as soon as possible. The email address on my PayPal account is XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-04-14
Company: EQUIFAX, INC.
State: MO
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 got many inquiries from unknown companies to show up on my credit report. I need them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a puppy which was {$900.00}. I sent the money to the person I was making a purchase. within 8 hours I did not receive further communication. I called BOA and told them I thought I was scammed and fraud happened. Then they come back and say they can not get my money back from XXXX XXXX which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. You think your money in a bank is protected but I can see they are not.

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 2024-01-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The most recent date is XX/XX/. Amounts : {$4.00}, {$4.00} and {$49.00}. I got charged {$36.00}, {$36.00}, and {$36.00} for each transactions. I called XXXX representative and she refused to help me. I called another time and talked with another banks representative complaining that the bank should not charge {$36.00} for every transaction since XXXX were below {$50.00}, the representative said that she was not aware of this banks policy. I asked to speak with a supervisor, and I was told that no one is available. After being persistent, the representative said that she was going to contact her manager by an email ; after a long waiting ( over XXXX minutes ) she said that her manager refused to refund me any fees.

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 2023-11-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received 2 emails ( XX/XX/XXXX  and XX/XX/XXXX  ) labeling my account as 30 days past due. I have been enrolled in auto-debit since before payments resumed and have even in fact paid extra along the way. I know I am not overdue. I called MOHELA on XX/XX/XXXX but their wait time was over 1 hr on the phone so I could not stay on the line and I asked for a call back per their dial procedure but never got one. Today I called and the wait time was 40 mins. I submitted a message via the MOHELA app portal while waiting, for fear I may never get connected to a real person. Eventually, the operator confirmed my account was in good standing and the emails were both received erroneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation