BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

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 2022-07-24
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I withdrew {$1200.00} from my Paypal account back in XX/XX/2022. After 3 days, Paypal reversed that transaction from my bank and terminated my account on XX/XX/2022. My account stated that I will be able to withdraw the money after 180 day. Paypal is holding on to the money incase if they have to pay any of the clients of mine. 
After 180 days, on XX/XX/2022, I tried to withdraw the money, I was getting errors. So, I contacted Paypal and the next day, XXXX XXXX, Paypal withdrew the money for themselves. When I try to contact Paypal, they're shifting the blame to their " back department '' and no one can get in tough with them to see why Paypal paid themselves with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I WANT TO CLOSE THIS ACCOUNT. KEEPS CHARGING ME FOR OVERDRAFT. THE XXXX  XXXX TOOK 120 DOLLARS AND THEN I RETURNED IT BY 130 DOLLARS. I WAS CHARGED XXXX XXXX DOLLARS. PLEASE FREAKING CLOSE THIS XXXX ACCOUNT. THIS IS THE WORST BANK. I CANT CONTACT CUSTOMER SERVICE, THE MANAGER FIXED IT AND THEN DID NOT CLOSE THE BANK ACCOUNT. JUST CLOSE THE XXXX ACCOUNT. 
XXXX I DONT LIVE IN NEW YORK . I LIVE IN XXXX, KANSAS AND CURRENTLY IM OUTSIDE OF USA PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
I submitted a fraud claim on charges i discovered on my american express platinum card ... At which point american express just closed the card saying i must have authorized another person even though i never did i even filed a police report regarding this problem .... They closed it it's a substantial amount of money and i need the money refunded as it's fraudulent and under Reg E i'm entitled to the due process of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
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: Account status incorrect

Complaint:
I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local XXXX to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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, 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 XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-03-05
Company: Experian Information Solutions Inc.
State: IL
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 Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX  Reported : 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have tried many times to send a wire from Wells Fargo to XXXX XXXX XXXX and am being told that XXXX XXXX XXXX  does not exist. XXXX XXXX XXXX routing number of XXXX. 
Have many clients that can not wire from Wells Fargo to XXXX XXXX XXXX. 

Wells Fargo needs to update their 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 2023-10-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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, this creditor has violated my rights.Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604.A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-24
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 account 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 an 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All student loans ( both Federal and private ) that were on my account with XXXX were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, XXXX is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.

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 2022-07-24
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 XXXX  XXXX Account Number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XX/XX/XXXX, XX/XX/XXXX TransUnion LLC mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/23 I do not recognize this inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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 non-monetary relief
Consumer complaint received 2022-07-24
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 XXXX XXXX Account Number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-26
Company: JPMORGAN CHASE & CO.
State: SC
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:
Hi, my name is XXXX XXXX I purchase a gold chain from XXXX from I return the chain because it was to small I purchase the chain on XX/XX/2023 receive XX/XX/XXXX and I requested a return on XXXX website and I took it to a XXXX  store XX/XX/XXXX I received a notice on my XXXX account that the return was completed and refund at the end of XXXX. I receive my XXXX, Chase credit card bill and it showed the chain on it so i call Chase and report that I return the chain so they ask me if I thought it was fraud so theyre cancel my credit card and send me a new one while there doing their investigation, so i receive my XXXX bill the chain was not on there, so i thought the problem was fix then I receive my XXXX bill and the chain was back on it so I called them they couldnt find a fraud problem, so they asked me if I want to dispute the charges so I wrote them a letter there send me a letter in the mail few weeks later, they couldnt find any information so I am responsible for the charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: PA
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:
A COLLECTION AGENCY [ XXXX XXXX XXXX ] has listed me as being in collections with them on my credit reports. I contacted this company denying this bill. They refused to respond. 
Pursuant to the Fair Credit Collection Practices ' Act 15 U, S, C, 1692g I subsequently sent them a Debt Validation Letter on or about XX/XX/XXXX. ( Enclosed ) I sent this request vis Certified Mail. ( return Receipt included ). They received the letter on XX/XX/XXXX. 
To date they have not in any way verified this debt belonging to me. Therefore, since this company has passed the 30 day threshold and this collection agency has had more than enough time to respond, this collection should be removed from all reporting agencies 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 2022-12-20
Company: EQUIFAX, INC.
State: NJ
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My funds were stolen and distributed to people on chime by someone I know, I sent a letter with my identity theft report and Notice to Furnishersof Information. They declined twice to after I asked them to reopen the dispute and declined it again and I need my money back Im getting XXXX off really bad XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX transfered XXXX to him self XX/XX/19XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation