BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history 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 Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}

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 2021-08-05
Company: EQUIFAX, 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:
I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dollar Amount as of XXXX : {$140.00} Dear Sir/Madam : I received a statement from American Express to renew the annual Delta SkyMiles Gold Card membership for the fee of {$99.00}, which is due by XX/XX/XXXX. On XX/XX/XXXX, my spouse and authorized secondary card user, contacted American Express Customer Care at XXXX on my behalf to cancel both our Delta SkyMiles Gold American Express cards. In other words, we do not want to renew our membership and hence should not be paying for the membership fee. 

On XX/XX/XXXX, I received another statement from American Express that showed a previous balance of {$99.00} for the membership fee, a late fee of {$40.00}, and interest of {$1.00}. 

I continued to receive monthly statements asking for the membership fee and late fees. Again, on my behalf, my spouse called the American Express customer care on XXXX and XXXX to let them know that she has already requested American Express to cancel our cards and not to renew the annual membership on XX/XX/XXXX. Each time, they would tell her that a manager will review this matter and reach out to us. However, to-date, neither of us has received any calls from any American Express manager . But one of the agents disclosed to my spouse that apparently the agent that she spoke to the first time has terminated her card but not mine. I was astonished at the incompetence of the American Express customer care agent, and it is not fair to penalize me for his error. 

I wrote to American Express in XX/XX/XXXX to complain about this matter. And they finally cancelled the cards and closed the account but continued to bill me for the membership fee and late fees. 

In addition, I also did not receive the {$100.00} Delta flight credit promised. This is a special credit issued to Delta credit cardholders that spend {$10000.00} or more in a calendar year on their Delta SkyMiles Gold Card. I have spent more than {$10000.00} in XXXX and have been prompt in making monthly payment. 

This is extremely frustrating. It is not fair to charge me for the membership fee and late fees for membership I have requested for them to cancel before the due date. I am asking for a fair resolution that American Express not to charge me for the annual membership fee and late fees for membership I neither use nor want. And issue me the {$100.00} Delta flight credit that is promised when I met my calendar year spending. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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:
While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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 had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.

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 2022-02-25
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a federally protected consumer.This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is a violation pursuant to 15 usc 1692b ( 2 ). These all are violations of my consumer rights under the FDCPA. This company has called me 11 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 11. Citibank has been utilizing robocalls without my consent to receive these calls which is illegal. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.

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 2022-07-06
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXXXXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, 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 non-monetary relief
Consumer complaint received 2016-06-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called Wells Fargo to see if I could get a loan modification to reduce my monthly student loan payment. They told me that I would not qualify for a modification because my co-signer and I together make too much money. They told me my only other option is to go do forbearance. I do not want forbearance, I would like a more affordable monthly 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 explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

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 2022-07-06
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I met a guy to buy a car. He said he had the title but after paying XXXX from my account, Netspend, through PayPal he claimed he would need to obtain a copy. I called XXXX to verify he was the titled owner of the car. They said he was. For weeks I kept asking for the title only being told this weekend. That weekend never came. On XX/XX/XXXX the car was repossessed as he had taken out a title loan against the car on XXXX first. I filled a dispute with my back that was processed through XXXXXXXX XXXX XXXXXXXX. PayPal, seller bank I paid through, found in my favor because he didnt respond. My bank, Netspend, received an auto generated email. Netspend took that email as PayPal would not pay me. I called paypal only to be told they are waiting for my bank to find in my favor so the can return the money to them. I feel I am owed that money. I obtain a lien holder paper from the car title office. I reached out to XXXX XXXX who now had the car.. I am looking for help to get my money back. I have documents supporting my case. In his add for the car he says it is paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello my issue to start off is Im in my XXXX and to use the computer is almost impossible until my niece comes to help me now iv had my capital one since XXXX and am on time with my payments now I understand I had not used it for a good six months but I sent in the supporting documents with non of my info or email changing and got my card unlocked XX/XX/XXXX then they locked it 3 days later and have sent in all supporting identifying documentation Id passport birth certificate taxes ect and about 10 -13 times not late on one payment and they refused to unlock my card or shut my account please all I ask is for one of them I feel I deal on this same topic daily with my capital one Walmart XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I loaned XXXX from cash net, they removed payment every week at high interest rate.. when I realized the money was gwtting too much they remove, I decided to make the full payment.. On XX/XX/2021, I called the cashnet USA XXXX to ask for the full amount I owe. Which includes all charges, interest and all. The representative told me XXXX ( their calls are recorded to confirm this ), I made the full payment the representative quoted me after severalconfirmation that was all the payments. Weeks later I got a call that i am owing almost half of what I paid. I have called them several times to address this issue and nobody as been able to resolve this. Twice I was told they will file a complaint and call me back but all they do is call me back to ask for their payment. I simply asked your company to listen to the call and verify I made all the payment but they said sorry the lady may have made a mistake. I consider this fraud by trying to collect more from me because their interest will not be as much since I paid the full early. Pls help me intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom at may concern : I know my right under the Fair Credit Reporting Act. 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 account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then 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 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 2018-01-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX and TransUnion was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX  accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. XXXX continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 XXXX  forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. TransUnion, XXXX state to contact the banks with no resolution otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation