BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at XXXX XXXX  MDT I sent {$150.00} as an instant transfer to a friend to help with an emergency expense. The money was not received in the time quoted for the transfer, instead sitting in a pending state. On XX/XX/XXXX I contacted PayPal customer service via chat through their website to inquire about the delay. I was informed that the " Instant Transfer '' had instead been sent as an " E-Check '' resulting in the delay, and that the money would be available to the recipient on XX/XX/XXXX. On XX/XX/XXXX I see the money still pending. I check my bank account activity for the money I sent to see that the transaction was no longer an authorization hold and had posted to my account on XX/XX/XXXX, so I again contact customer service, this time via phone. When I finally receive a callback to speak with an agent I question why my transfer was sent as an " E-Check '' instead. I am told that there are several reasons why this can happen : declined/disputed transaction, ensuring funds being available in account for amount being sent, PayPal viewing transaction as a " risk, and multiple login attempts. '' I haven't had any declined payments through PayPal, and the debit of funds from my account for the transfer had fully posted. I have been using my PayPal account to send and receive money in amounts excessive of {$200.00} since XX/XX/XXXX, and I accessed my account via mobile app twice in the same day using Touch-ID to login with no error. I explained this to the agent to show how none of the reasons she gave for why my transfer was sent as an e-check were applicable to my account. I asked when would the money I sent be available to the recipient, and was told XX/XX/XXXX. I asked if there was anything that can be done on their end, and was told that there is nothing they can do. The issue was then escalated to a manager to assist me with. The manager proceeded to recite the same rhetoric as the agent before, causing same information to be unnecessarily repeated. This exchange became increasingly irritating as no solution was being presented to the situation where I was clearly a victim of UDAAP violations as a consumer. Upon asking if they had any solutions I was told I can address this issue with my bank. The {$150.00} I sent is currently still pending in PayPal 's system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/2021

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 2022-08-02
Company: Experian Information Solutions Inc.
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these 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 2021-08-03
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, Equifax, and XXXX and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an accciint with Regions for years every time my card was overdrafted they always charged me these fees if it was {$1.00} they charged me XXXX dollars per transactions. My account was hacked and i disputed it and they made me pay back some of the money and then they also closed down 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
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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

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 2022-10-22
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX and Equifax are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MS
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:
Accordance with the Fair Credit Reporting at XXXX Account listed below has violated my rights : 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  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 2022-10-22
Company: JPMORGAN CHASE & CO.
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 JPMCB Auto has violated my rights. 

JPMCB Auto has violated my rights according to 15 U.S.C 1681 602 ( 4 ) states, " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' JPMCB Auto has violated my rights according to 15 U.S.C 1681 604 A ( 2 ) states " in accordance with the written instructions of the consumer to whom it relates. '' ( I did not provide written authorization to JPMCB Auto. ) JPMCB Auto has violated my rights according to 15 U.S.C 1666B ( A ) states " 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Credit Karma, LLC
State: DE
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 Youre in violation of credit reporting act 15USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, and XXXX reports without my authorization and permissible purpose under the FCRA. As a result of you unlawfully obtaining my consumer report without my permission, you are liable to me actual damages or statutory damages up to {$1000.00} punitive damages. THE DATES LISTED BELOW ARE DATES MY CONSUMER REPORT WAS PULLED AS OF 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 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. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Accordance with the Fair Credit Reporting at XXXX  Account listed below has violated my rights : 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 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 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 2022-10-22
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 Account opened XXXX XXXX XXXX - Possible Finance reported 30 days for XX/XX/XXXX and 60 days for XX/XX/XXXX. This is not correct. Possible Finance had my updated debit card on file and failed to debit from the right card. I also did payment extensions and it didn't state or send any documentation stating payment extensions I would be reported late. This is affecting my credit drastically on XXXX on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: AZ
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 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  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 XXXX : 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently went into XXXX XXXX  to purchase a mattress. While there, an employee offered to check what financing options existed. I was assured that they would just perform a soft pull that would not affect my credit ( I verified with the sales associate multiple times before proceeding ). After the employee was requiring me to verbally give more information than I was comfortable with in the store ( eg annual income ), I decided to pay for the mattress in full in the store. After the purchase, I confirmed again that there would only be a pre-qualification soft inquiry ( if any ) and that there would be no impact to my credit report or score. 

A few days later, I got notifications from both TransUnion and XXXX  that I opened a credit card with a XXXX limit. I did not consent to opening a credit card. Even if I moved forward with the mattress purchase, I was led to believe it would be through an installment loan. Once discovering this, I disputed it with both bureaus since I did not authorize a hard pull, much less actually opening an account ( I couldn't find a way to see if it were on my XXXX  report or dispute it through them ). XXXX  refused to remove the fraudulently opened account from my report. I haven't yet heard back from TransUnion. 

I also tried calling the bank listed on my credit report, but they claimed they " couldn't verify my identity '' because I don't use a traditional carrier for my primary phone number.

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 2022-08-24
Company: Bread Financial Holdings, Inc.
State: CA
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:
XXXX Credit Card company has charged me for late fees after I spoke to a representative on XX/XX/2022 to pay off my credit card. I had asked to pay off my account and paid an amount of {$32.00}. The systems were down during this time because they were going through updates, so I was unable to pay online on my due date on XX/XX/XXXX. 
I accrued three late charges when I was told my account was closed and paid off. When trying to resolve this matter with XXXX commenity bank they had assured me my account was closed when online it showed I had a credit and balance and my account is still open. They are taking advantage of people. When I spoke to Commenity bank, I was told I still owe the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 was offered a secured line of credit with Bank of America. I was asked to pay a deposit of {$200.00}, was told that after a few months, usually 6 months of good payment history, I would get an increase on my credit limit, and that after 12 months, I would get my deposit back. Neither of these promises took place, instead, Bank of America closed my credit line without any previous notice and has never returned my {$200.00} deposit and my payment history is/was excellent. The line of credit has been closed for a few months now and I have yet to received my {$200.00} deposit.

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 2022-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My debt of {$1500.00} was sold to another company, in which I have no contract with. My current balance is {$1800.00}.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: DC
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, and EXPERIAN has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer 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 non-monetary relief