BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 15USC 1681 Sect
ion 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Paypal Holdings, Inc
State: MA
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 XX/XX/2019 PayPal " permanently limited '' my business account and froze my assets of {$610.00} for 180 days during which time this money earned no interest yet it was more than likely used by PayPal to earn interest. After the 180 days passed I was allowed to withdraw the {$610.00} on XX/XX/2019 however I needed to link my personal bank account to the now useless business profile on PayPal. After doing so and withdrawing my assets I requested in XXXX to have this useless business account closed and on XX/XX/2019 PayPal has refused to do so. In addition PayPal will not allow the deletion of my personal banking information from this account. In the event that PayPal is hacked my personal banking information is exposed for no reason simply because PayPal will not close my useless business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX of this year, I used Capital Ones Travel Portal to book a harbor-view hotel room with king bed for my husbands birthday. I have been saving for months to be able to afford a nicer room for this trip to an expensive location. I booked the room through the travel portal, for the XXXX XXXX. I was confirmed for a room with a king bed and a harbor view. I paid a higher rate ( {$850.00} before fees and taxes ) for two nights in a harbor-view room with king bed. Come today, XXXX XXXX, when I check in, Im given a room that looks out onto the hallway. The people waiting for the elevator can see into my room. When I asked the front desk about this, they told me my reservation did not specify a view of any kind, and they gave me a room that aligned with the third-party rate I had bookedaccording to them, under $ XXXX. I told them I paid almost $ XXXX after taxes, so the rate they see does not match what I paid. They did not have any available rooms that matched the description of the one I booked, so I am currently paying a premium to stay in a room that costs almost {$200.00} less a night. I called Capital One XXXX to rectify the situation and they were completely unhelpful. They insisted they had to call the hotels front desk to confirmI said go ahead, I am standing in the lobby and can wait. I waited for more than XXXX minutes, and the phone didnt ring at the front desk. I spoke with the front desk and told them to expect the call from Capital One. It never came. Then I was taken off of hold, and Capital One told me they were still waiting to hear from XXXX to confirm. They told me they would call me back. That was XXXX hours ago. Before getting off the phone, I asked if they could email me a confirmation that I had called and lodged a complaintall I am asking for is to be made whole here. I paid for a water view room with king bed, and thats not available. So I should only have to pay for the room that I am staying in. Its unethical for this credit card company to advertise this room, and claim they are booking this room for me at the premium rate, to then be placed just anywhere in the hotel, not what I paid for, at a steep price. Its the literal definition of a bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Saturday, XX/XX/2018, at about XXXX ET, I put a call through to Paypal customer care about a pending {$500.00} transfer to my Paypal account from my XXXX XXXX XXXX of Account which is taking forever to clear into my Paypal account. 

Given the fact that I needed the money as a matter of urgency, as I want to use it to buy valentine 's gift for my wife. First, I asked the representative if the clearing can be expedited which he said it can't, then I asked if the transaction can be cancelled and reverted back to my bank account, he replied no as well as it's not in their power to do so but my bank which we both agreed might not be possible as it has cleared my bank already. 

I further asked if I can get an overdraft since I have a pending transaction that will definitely clear into my account, he thereafter said he will get back to me and put me on a brief hold, when returned, he said I should type in www.paypal.com/credit and follow the procedure, I quickly asked him if its credit card as what I want is kind of an overdraft and not credit card, he replied no. I followed the procedure and was thereafter denied whatever credit it is. 

To my surprise, I received an email from XXXX XXXX that someone ran my credit and it affected my score and it turned out to be Paypal despite my repeated warnings to the agent and his assurance that I don't want credit card, Paypal went ahead to run my credit and it brought it down from XXXX to XXXX. 

I need a redress and necessary compensation. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : 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 2020-01-03
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home and the loan servicing is being provided by PNC Bank. 

I was only able to put down 10 % to close on this home because I had to close on my existing home. My existing home closed and I was ready to put another 10 % down on this home. However, my loan was sold and in limbo for a few weeks. 

Once I received information on how to contact PNC, I contacted them in late XXXX. However, they told me they could not help me until after XXXX. I called back around XXXX asking how I get online access to may a principle payment. They needed to mail me a PIN. After about a week, I called back because I had not received it. After much back and forth, I finally got access because they were able to give me a PIN on the telephone call. Why was that not offered the first time? 

After I got online access, I did not see a way to make a principle payment. After speaking with someone, that option is only available to those consumers with a deposit account with PNC and not something I can do with just a mortgage. Why does PNC prohibit a principle payment option to any mortgage customer? The principle payment is for mortgage customers. Why do I need additional relationships with PNC to have this functionality? 

In mid XXXX was able to make additional payments to PNC to bring my loan balance under the 80 % threshold. Now, on XX/XX/XXXX, they tell me they still have not completed a review of my account to have the PMI removed. 

PMI is something that is absolutely necessary. However, the removal process should be simple and easy for consumers. No one should have to jump through hoops and wait weeks for a review. It is unacceptable PNC Bank makes it hard to get online access, make principle payments and have such a delay from request to decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested Experian multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. Experian failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies so please fix this error.

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 2022-10-07
Company: EQUIFAX, INC.
State: NJ
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: OPORTUN FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I seen an ad on XXXX XXXX for the Oportun XXXX by XXXX. Their website clearly states that you can get Prequalified without affecting your credit score. This implies a soft inquiry before you apply with a hard inquiry. When you go through the steps it does a hard pull, not a soft pull. That is false advertising as a hard pull does affect your credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED SUPPORTING DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.

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 2019-08-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Citi American Airlines AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX and was approved the same day. When I applied, the terms and conditions on the XXXX website stated that I was not eligible to receive a new sign up bonus if I had received one within the past 24 months. The last time I received a sign up bonus was in XX/XX/XXXX. The credit card promotion stated that I would receive XXXX American Airlines miles after spending a minimum of {$2500.00} within 3 months. The promotional material I received with the physical card that was mailed to me stated that I would receive XXXX. I spent over {$3300.00} within the first two months and did not receive XXXX. I called Citi customer service on XX/XX/XXXX and explained the problem and they stated that I should have received the bonus but that they needed a supervisor to investigate why I had not received the bonus. They flagged it for review and told me I would receive another call within 2 days. After receiving no call, I called back and spoke to another agent. After investigation, the agent advised me that I was not eligible for the bonus because I had received a bonus within the past 48 months. She advised me to " XXXX '' the new terms and conditions that had since come in to place. I was able to follow her instructions to the Citi website and saw that Citi had changed the terms and conditions after my application was approved. I asked that they manually credit me the XXXX miles since I applied prior to the change and they stated they would 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 2022-12-10
Company: Experian Information Solutions Inc.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-03
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rent Recovery Solutions sent me a notice of collections on a debt and I promptly responded via certified mail ( in less than 30 days ) asking for validation. They took their time ( about 45 days ) and sent me limited information that did not substantiate the debt. I sent another reply asking for further information as well as proof that they are a valid collections company that is licensed to collect in my state and they did not send me the information I asked for but still reported the debt on my credit report even though it was still in the dispute process ( started in less than 30 days after first notification ). 

I called them and asked them to remove the debt from my credit report so we can continue the validation process and they refused. They are operating in violation of the FCRP and are offering me no recourse. I just want the federal laws to be followed and a fair chance to make sure this is a valid debt. This debt should be removed from all of my credit reports until validation can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. FORD MOTOR CREDIT COMP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: World Omni Financial Corp.
State: FL
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 have been trying to reach XXXX XXXX XXXX to settle a dispute regarding end of lease dispostion fees. I paid entire lease terms on time for 3 years tco insure my credit would remain in good standing despire ongoing issues with leased car.. I now receive letter and phone calls stating they are going to put dispostion fee in collections.. The call i received on XX/XX/XXXX regarding this did not state the persons name whom to call back only a number that she rattled off so quickly i was unable to understand it. that number was XXXX-XXXX-XXXX? and extension XXXX? I have tried several times to call with no sucess.. I have tried many number. .. the letter states to log on to account for info. .. My account is no longer active a i fulfilled my .3 year term with XXXX XXXX..I a had to file a civil suit against dealership to settle matter of faulty tires after spending XXXX dollar on new tires for car with only XXXX miles on it as XXXX would not take any reponsibility.. I did not receive this bill until XXXX and lease car was returned XX/XX/XXXX in perfect condition.. way under alotted miles.. I have been trying to reach XXXX XXXX  since receiving this letter and am on hold with no resolve.. Any concerns in past were not addressed and now they are going to ruin my very good credit due to there not ever addressing issues.. I just want this behind me. The entire ordeal has been extremely stressful and has taken a great toll on my health..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BB&T CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation