BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I recieved a payment from a friend for lunch About three hours later I recieved a notice that " Your Venmo account has been frozen due to recent activity that triggered some security alerts. '' At the same time as the notice I recieved the following message from Venmo, " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. '' I then asked what the issue was about and if it could be remedied. I recieved the following message " Thanks for following up. I can understand your desire for specific details that lead to this decision but in order to keep our systems safe, we do not provide that information. 

We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. 

I apologize that we're no longer able to serve you and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. '' I am left both confused and distraught over the closing of the account. Venmo asked me to remove any and all references to Venmo from your website and social media accounts but I never posted about venmo online or used it on any website. At the time I logged into Venmo I was traveling in XXXX for a week on vacation but nothing in the user agreement prohibits me from opening the app while traveling. Furthermore, I read the user agreement and can find nothing I did that violates the terms. 

Venmo says that my actions or activity are in violation of the user agreement. Venmo refuses to tell me what actions or actives I did that are in violation. As suggested by venmo, I read the user agreement. I can not find any actions or violations which i have committed. I would appear some sort of mistake has been made. 

I am asking for the CFPB to intercede and restore my account. 

I appreciate your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " XXXX XXXX ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
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:
This is a complaint against timeshare XXXX / XXXX XXXX XXXX XXXX XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2020-05-22
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/20 spent 2 hours this morning trying to log in to my account and cant. Discover does not know why. XXXX supv. XXXX XXXX XXXX Utah has me holding but us not fixing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-09-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened up a XXXX  checking account ( Account : XXXX ) last year. The bank said if I maintain {$20000.00} minimum deposit there will be no fees. For XXXX, there was no fees and from XXXX the bank started withdrawing {$40.00} per month without notification to the customer. 

I signed up for E-Statements and my Inbox also has no notification. Below is what the disclosure I got from bank when I opened my account... .You can see below it says {$20000.00} minimum. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 To be eligible for the {$750.00} cash bonus, business customer must open a new Huntington Unlimited Plus XXXX  Checking, XXXX  Analyzed Checking, or XXXX Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within sixty ( 60 ) days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing business CDs ). Person to Person payments ( such as XXXX ) are not considered a deposit for this offer. Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. Bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus. Cash bonus does not count toward the deposit requirement. All new accounts subject to account opening approval and account conversions are not eligible. Offer not available in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. XXXXublic Fund/Government Banking dollars and Brokers are not eligible for this offer. The bonus will be deposited into your new business checking account within 14 days of meeting the above requirements. Your XXXX  checking account must remain in open status to receive the bonus. Existing XXXX  checking customers, including those with XXXX  checking accounts closed within the last six months, are not eligible for the cash bonus offer. Bank reserves the right to limit an individual XXXX XXXX with XXXX XXXX to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report. 
Thank you for your time and attention to this matter.

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 2022-07-05
Company: CITIBANK, N.A.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with Citibank to receive their {$1500.00} deposit bonus. 

Funded the account with {$200000.00} within XXXX days and submitted and faxed all information to open the account on account open. 

Per the terms after XXXX  XXXX, Citibank will pay the bonus, this was due on XX/XX/XXXX. 

Citibank continues to come up with new reasons to not pay the account bonus. 

Several customers are reporting similar issues at : XXXX XXXX XXXX  This appears to be a XXXX scam to pump account numbers and deposits ; but Citibank also refuses to honor their own company promotions

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 2021-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I paid off my mortgage, on XX/XX/2021 my bill pay accidentally sent another payment to my loan at citizens one bank. Realizing my error on or about XX/XX/2021 I contacted Citizens One and requested the overpayment. Citizens One said they would send another check on XX/XX/2021. Today on XX/XX/2021 Citizens One says they now need to mail me a form to request the monies owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an checking account in XX/XX/XXXX with Wells Fargo there was a bonus for new customers of {$100.00} after you met a few requirements which were met within days of opening the account ( have so many deposits of XXXX amount and make XXXX amount of debits with your card ). I was supposed to receive the {$100.00} after 40 days of meeting the requirements. It is XX/XX/XXXX today and I still haven't received anything. I called in XX/XX/XXXX they told me it would be between XX/XX/XXXX and XX/XX/XXXX I called them again on the XX/XX/XXXX they said if I didn't receive it by the XX/XX/XXXX to call back. I called back on XX/XX/XXXX and they never returned my call.

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXXXXXX  XXXX  Ohio XXXX 2 & 3. XXXX  XXXX Inquiry XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, de  XXXX None of these inquiries were made by me and Transunion, and XXXX are saying that i need to file a report with you all to prove that it was not from me.

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 2021-09-28
Company: WELLS FARGO & COMPANY
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 called Wells Fargo over a dozen times and every representative assured me that everything would be taking care of. I was relieved. But then a year later the inquiry was still there. Again I contacted Wells Fargo on XX/XX/2021 spoke to XXXX from the fraud department she also convinced me that she would definitely take care of it.

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 2023-12-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a certified letter XX/XX/XXXX  tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including XXXX, Equifax, XXXX, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd tracking number being # XXXX. XXXX, XXXX, and Equifax all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX  because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out an auto loan back in XXXX for A XXXX XXXX. I made payments until XXXX or XXXX, at which point, I fell behind and stopped paying altogether. 

The car was voluntarily repossessed. The bank that lent me the money ( XXXXXXXX XXXX XXXX XXXX ) transferred the debt over to a collection agency ( XXXX XXXX XXXX ). There was a court appearance in XXXX for the debt. I contacted the collection agency to settle the debt for the amount of {$5000.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX and I received a letter from the agency saying the account was resolved. 

Recently, I disputed the balance on my credit report, which showed I owed XXXX XXXX  XXXX XXXX {$2300.00} on a closed account. Since then, they increased the balance owed to {$5300.00} and reopened the account, tanking my credit score by 60 points. 

I contacted them today and spoke with their legal department which will pass the information to whomever needs it to rectify this. I am making this complaint because of aggressive tanking of my credit score at a time when I am looking to be preapproved for a home loan. It was retaliatory for something that shouldn't even have a balance, as they repossessed the car, transferred the debt to a collection agency which I paid.

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