BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Paypal Holdings, Inc
State: OR
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 have tried to close my Paypal account on several occasions. I should be able to close down an account. It is a bank, yet there is no way for me to make a stop payment or even write them. I want to send them a clear statement to close down my account. They are making charges using old information that I updated on my Patron page and I have stopped my XXXX renewal. Paypal still processes them. Then says I can not close my account because of a negative payment. It will not allow me to remove my credit card number, my address, my bank account information. This is my personal information. I have gone to my bank to make a stop payment for PayPal because PayPal 's abusive systems. My bank informed me that I could submit in writing a stop payment to PayPal, but PayPal has removed anyway to email them without going through an extremely confusing tree, that does not have what I need. I am frustrated and scared that this company can apparently do whatever they want to consumers. This is my personal banking information, I should have some rights. Please help. I have been trying to do this for a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: OH
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:
Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Link expires on : XXXX Regards, 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 2023-06-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

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 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: LA
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 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 2022-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Wells Fargo and have been for over 10 years. I was viewing my last statement from XXXX to XXXX and I paid {$240.00} in overdraft fees. Six of them were in a 2 day period!! ( from XXXX to XXXX )!! I noticed that I was able to make purchases while in overdraft when I shouldn't have been able to. THIS year alone, I paid over {$770.00} in overdraft fees!!!! That's almost {$1000.00}!!! I've spoken to a personal banker, who couldn't refund ANY of it. Also, my car was repossessed in XXXX thru XXXX XXXX XXXX ( my lender ). I owed {$1400.00}. to get it back and paid {$1200.00} with the promise to pay the remaining {$200.00} when I got paid. I called and needed a few more days and they'd already sent my car to auction. When I got it back, they rekeyed my car and gave me a simple key with no fob to open my car with and didn't even start the car. Used my old key and fob to enter and start the car. Got a bill for {$290.00} for the key ( like a house key ) made for {$3.00} at XXXX and incurred monthly late fees for nonpayment. I didn't authorize my car to go to auction, didn't authorize a key, and couldn't afford the {$120.00} to file in small claims court because the battery was dead ( sat in the heat and got bad ), had to buy a new one, headlight ruined, and items missing from car. Need help with the predatory practice and the 18 % interest maybe. Each payment is {$6.00} processing fee. XXXX payments is {$180.00} in fees to MAKE the payment!!!

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 2023-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A ( 2 ) States a consumer reporting agency can not furnish an account without me written instructions 15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt After getting a print out of my credit report I started doing research on what laws I have as a consumer and based on the FCRA laws I have been violated. 
I get calls daily from XXXX XXXX and I receive a whole mailbox full of mail. 
I get calls from XXXX XXXX as well, almost daily! When I receive the calls I can barely even understand what they are saying. The mail has been seen by my neighbors and it is embarrassing.

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 2023-06-04
Company: Experian Information Solutions 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:
The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear XXXX XXXX, I, XXXX XXXX XXXX XXXX, hereby, request the removal of inaccurate information from my credit report, all previous addresses, all aliases, all phone numbers, and old workplaces. I am afraid to be susceptible to a theft of identity. Therefore, I request you correct my personal information such as First Name, Last Name, Current residence address, phone number, and current work information in your Database. They must be current and only contain accurate information. 

Please find included copies of my identity supporting my request to update my personal information in your Database. 

Thank You.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing 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 Balance : {$3600.00}.

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 2023-06-05
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My problem began with Chime, I transactions that I didn't make. I emailed them if not every day every other day. From XX/XX/XXXX thru XX/XX/XXXX I didn't have a active XXXX XXXX card so how did these transactions get approved? 
Also I have sent in my XXXX and XXXX account status which was on the checking account. And I have never heard of XXXX. And if you look at the other amounts they are low amounts when I go shopping which is usually once a week I spend more than XXXX or XXXX dollars. And definitely not XXXX dollars. I told the company my account had been hacked and I didn't have a card on both accounts at the time of some transactions. The company didn't listen and sent items to the dispute team which after what they have called no error I had absolutely no faith in that team and requested the Fraud department over and over but no fraud department ever contacted me. I over and over told them my account was hacked and it was fraud. They didn't listen. I finally sent a message stating this was my formal affadavit. A day or two later my account was closed. And I haven't been able to receive any information on why it was closed. But it's awfully strange it happened right after my formal affadavit. I have contacted the OCC and they sent a letter to the main bank XXXX  and they in return sent a letter stating basically what the dispute team said no error. Without even looking into my account to see if it was possible to make these transactions. When I finally got my cards and activated them a transaction tried to go through the same night and how could that happen if not for hacking/fraud? How would anyone know I activated them? 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe I can't read my writing and I can't go online to my app - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUT I DIDN'T WRITE THE REST OF IT DOWN AND I CAN'T GET INTO MY ACCOUNT 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 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 XXXX  FOR A TOTAL OF {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
Fraudulent Account Are Reporting to My Credit Report. These Negative accounts are holding my credit report down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Your Claim Number : XXXXXXXX XXXX XXXX  XXXX XXXX : You filed a claim in the Equifax XXXX XXXX Settlement between XX/XX/XXXX and XX/XX/XXXX. We have processed your claim and determined that you are eligible for a XXXX XXXX 

You chose to receive your XXXX XXXXt via check. The XXXX XXXX can now offer you the ability to receive your payment electronically via XXXX or pre-paid card. If you would like to switch your payment selection to electronic payment via XXXX or pre-paid card rather than a physical check, please click here. 
If you do not want to change your payment selection of check, you do not need to do anything. If we dont hear from you by XX/XX/XXXX, your payment will be sent to you by check. 
If you also filed or file a claim between XX/XX/XXXX and XX/XX/XXXX, and you are eligible for a XXXX XXXX we will use your most recent payment choice to send you your XXXXXXXX XXXX 

This notice is from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, or by mail at Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Message - -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : No check or return response happened for Equifax settlement Who has the money ticket # XXXX/Equifax XXXX XXXX XXXXXXXX I was promised a refund in late XXXX, then mid XXXX. There is no response to phone call or my daily emails for a XXXX 

I am very suspicious of this process. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I transported XXXX want worth to the hospital and whoever transport someone it doesnt mean that they are responsible for the medical pill. XXXX was in the custody of her father, who was ordered by court order to carry medical insurance on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: OneMain Finance Corporation
State: GA
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 have a hard inquiry on my credit reports from XXXX  XXXX and onemain financial. I do not have an account with XXXX XXXXXXXX or onemain financial. I have contacted XXXX XXXX they gave me the XXXX XXXX number. I also contacted OneMain financial and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to XXXX  XXXX, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called Citi Bank 3 or more months ago to close my account and send me a check for the funds. They sent me a check, but never closed the account. During the past three or so months they have been charging me service fees for a account I thought was closed and had a XXXX balance. They are trying to make me pay XXXX or they said they would report to a collection agency and alert the banking network so I would have a hard time opening new accounts.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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:
Late payments were reported on my credit report for the following. 


XXXX XXXX - Currently late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments

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