BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good morning, I received an envelope in the mail from Bank of America ( BoA ) for an offer for a new credit card. The card that I was hoping for was the XXXX XXXX Rewards Card with customizable rewards and {$200.00} back on {$1000.00} purchases in 60 days instead of {$100.00}. Unfortunately, due to me signing up for the card online ( Friday XX/XX/2022 ) and confirming the less suitable " BankAmericard '' I was told there " was nothing BoA could do ( Wednesday XX/XX/2022 ). '' I purchased a {$1200.00} eye XXXX for my father yesterday which was a large reason for the card and hoping for the return of the {$200.00}, who is XXXX XXXX XXXX ( XXXX ) within XXXX. I am desperately trying to make the right decisions for my family ( fianc and XXXX children ). 

What was fraudulent about the application to me is that they send this mail to get you into a credit card, when it isn't the most suitable card for the consumer with no guidance that there is a better card for you within their company. I work in life insurance and in real estate and we are trained to LEGALLY help clients find our clients the most suitable plans and purchases to fit their current life and financial positions or face serious legal ramifications and potentially lose our licenses which end our careers. Why is this not the case for a banking institution? Why can they trick you into a less suitable card without similar standards when the consequences can effect everything you purchase for years to come ( credit report )? I am a low income consumer ( on XXXX among other financial assistance ) and this will undoubtably create financial hardship on me and my family. I would like to amend the relationship if a desired outcome can be reached. 

I would like the CFPB to aid me in pursuit of helping a consumer ( me ) get the most suitable card for myself much the way I am held to a standard with my career. That is switching from my BankAmericard to the XXXX XXXX Rewards Card like I originally wanted with the appropriate rewards. Possibly seeking change to the way these institutions market similar to the way XXXX, XXXX and XXXX XXXX standards are written so that all plans and cards are marketed in targeted mailings. Thank you so much, 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 2022-08-01
Company: EQUIFAX, INC.
State: AZ
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:
I sent out letters to All three credit agency 's and notified them of the issue on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CCF Intermediate Holdings LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This account was open without my consent. I have tried to contact the company several times without no response. This account is fraud not my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: DISCOVER BANK
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a charge off listed on my account that was a prepaid account. i deposited money and when the money ran out i couldn't use it until i reloaded the card. This can not be reported as a charge off because of what type of card it was. There was nothing that was owed. I've tried removing it and speaking to them about having it removed but have nto gotten the results i need. Please assist me anyway that you can. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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:
My issue is with XXXX incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted capital one in regards to an account being opened fraudulent in my name. I requested it to be removed from my credit report and it have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Unauthorized inquiry on my report. Was checking my reports and realized there was an unauthorized inquiry on there. 
~XXXX ( XX/XX/2018 )

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : XXXX XXXX XXXXXXXX loan rejection due to lack of information in my credit reports I am filing a complaint against XXXX XXXX XXXX and TransUnion ; the former rejected my application for a loan to buy a used car. In order to get the online price for the car, I had to finance it for at least 4 payments. I already put down almost half of it. 

As far as I'm concerned, my credit rating is extremely good ;. I have NEVER been late on a payment. Not when paying off my house ( in the XXXX 's ), any of my previous car/other loans ( earlier ), or any of my current/previous credit cards. Nearly 5 decades. 

. My credit card balances are very low, and I pay them off every month to avoid interest charges. 

When I called the company and asked why my loan was rejected, they said I have " insufficient/limited credit history ''. THIS IS A COMPLETE LIE!!! They said to call TransUnion. I did. I was told that they only keep info for the last 10 years, so ALL MY PREVIOUS LOANS WERE NOT AVAILABLE!!! This is why I was rejected!!! 

I am extremely dis-appointed in BOTH OF THESE lousy, horrible companies! HOW AM I SUPPOSED TO PROVE THAT I HAD MY LOANS IF THERE IS NO LONGER A RECORD OF THEM?????!!!!! THIS IS COMPLETE GARBAGE!!! I AM TOTALLY SCREWED BECAUSE THEY DON'T KEEP A RECORD OF ALL MY PREVIOUS LOANS, AND MY REJECTION WAS BASED ON THIS LACK OF INFORMATION!!! 

My copies of my credit reports only start in XXXX. As for my house loan, all I have is the last payment information where they said it is paid off, but no history over the 17 years I had it. And no copies of my earlier car/other loans. 

I am now FORCED to pay for the entire car, and I will probably NOT get the online price, meaning, because of these lousy companies, I am probably FORCED to un-necessarily pay more for it!!! 

I can not believe that they treat people as low-life GARBAGE! I do not deserve to be treated so horribly by such companies!!!

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 2022-12-11
Company: SANTANDER HOLDINGS USA, INC.
State: UT
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to get a hold of XXXX  XXXX XXXX services, by Comenity bank for three weeks. Today was the first time my call was not disconnected automatically. The rep sent me a link by email but it still loads and loads and then says I can not login, their site says " sign in is not available at this time ''. How can I manage my account and pay my bill if your site does not allow it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing 1XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX  Account Number : XXXX Bal : {$1100.00} 3. XXXX Account Number : XXXX Bal : {$1000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
End of XXXX XXXXBeginning of XX/XX/XXXX I saw 2 PENDing charges on my 5/3 credit card and called to report the were both fraudulent charges. 
XXXX : XXXX XXXX XX/XX/XXXX - {$5700.00} XX/XX/XXXX - {$4700.00} I was informed that nothing could be done until they POSTed. Once they POSTed I called to report the fraudulent charges. I received a letter dated XX/XX/XXXX that case XXXX was created and the Disputes/Fraud Team would investigate . I received a letter dated XX/XX/XXXX that the case was closed due to insufficient information. I called 5/3 and XXXX provided me the email address ( XXXX ) and what information to provide .. which I did. I received a letter dated XX/XX/XXXX that the information I provided was not sufficient to reopen case XXXX. I called 5/3 and XXXX XXXX member of Disputes/Fraud Team ) instructed me to respond to the email thread that the Reason Code was wrong .. it should be FRAUDULENT .. which I did. It appears that the Disputes/Fraud Department at 5/3 Bank are attempting to hold me responsible instead of performing their job of protecting their customers against fraud by going after the Merchant who committed the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it XXXX concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are 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 2022-12-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal.com XXXX  was previously using synchrony bank and the sychrony bank website to handle all credit card matters. Now everything is on through the paypal website. 

Prior to this change I had auto-pay set-up for my credit card payments. 
I come to find out I no longer have auto-pay set-up. 
I'm trying to link my bank account details to pay my credit card statements. 
Paypal is setting an automatic security hold while trying to link this bank account to paypal. 

I've tried to contact paypal via their chat, which is automated. 

The chatbot allows me to try to enter my routing and account numbers through the chatbot, I do that but I recieve a message letting me know that my attempt has been blocked for security purposes. 

I'm basically going to pay a late payment fee because of this and overall inconvenience. 

- Poor notice of the change - Autopay was cancelled without my approval - Linking bank payment info with the new paypal mastercard interface is troublesome - Lack of support. 

I will continue to try to reach out to PayPal support but I assume I'm not the only user with these issues.

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 2022-12-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed out of {$210.00} for a social media repair. The person took the money and never performed said serves. They are refusing to refund my money and also are demanding more cash

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # Bankruptcy XXXX Bankruptcy 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 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 2022-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo took money from my account by withdrawing {$1900.00} without authorization and took an additional {$1900.00} by refusing to deposit into my account those funds that had been taken out of another account. Here are the details... 

I deposited a {$1900.00} rent check on Friday ( XX/XX/22 ) at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Saturday ( XX/XX/22 ) I had noticed that the teller did not deposit the check but actually debited the account {$1900.00}! The deposit ticket had the account number of the tenant as though the check was deposited in their account. The tenant sent me proof that the check was not deposited in their account but in fact their account was debited for the amount of the check. 

On Saturday ( XX/XX/22 ) I went to a different Wells Fargo branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke to a teller. The teller initially told me that I needed to go back to the original branch to resolve this issue, but they later reluctantly agreed to submit a claim. I was told it would take up to two weeks for this to be resolved and a credit given to my account. These are funds that belong to me and should have been returned immediately. 

On Monday ( XX/XX/22 ) I went back to the original Wells Fargo branch XXXX XXXX XXXX and spoke to XXXX XXXX. He again refused to resolve the problem and told me that I would have to wait two weeks. 

Today ( XX/XX/22 ) ( after trying to resolve this with two different Wells Fargo branches ) I sent an email to XXXX XXXX at Wells Fargo. I have not received any response from XXXX XXXX or anyone from Wells Fargo.

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