BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MI
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 my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had to recieve a transfer in amount XXXX on XXXX XX/XX/2023. I have tried to contact my banking services several times and they're not responding. Till this date we did not receive a compatible response from them. We need our funds and it is requested to notify Wise XXXX  XXXX about this complain. 
>We are using Wise XXXX  XXXX  formally TransferWise for our banking services. 
>Our clients company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BARCLAYS BANK DELAWARE
State: CO
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 customer service

Complaint:
Hello I am writing to file a complain against Barclay cards. On XX/XX/XXXX I paid off my total balance of {$7200.00}. On XX/XX/XXXX Barclays proceeded to withdraw another {$7200.00} because of my auto-pay settings even though my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire why there was another payment when my balance was XXXX. I called Barclays on XX/XX/XXXX to inquire about the error and was told a payment case will be filed and that it could take 30-60 days to resolve. If find this unacceptable given my balance is XXXX and it was their error. I proceeded to call back on XX/XX/XXXX and was given the run around and said they would escalate it. I called back on XX/XX/XXXX to check and was given the same answer even after talking to a manager. Today is XX/XX/XXXX and the problem is still not resolved. This is an unacceptable customer experience and has cause financial hardship since I am now late on my mortgage payment. Case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: WI
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 to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-01-03
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to mXXXX 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 explanation
Consumer complaint received 2023-05-25
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I tried moving out of room, so I started looking on XXXX. That is when I found XXXX XXXX ( XXXX XXXXXXXX profile pic ) ad for a basement room with a half bathroom for {$450.00}. Since so many people were interested in the room we set up to meet where he would give me the key and I would give him the {$250.00} deposit {$100.00} cash/ {$150.00} cashapp. He then proceed to give me the address XXXX XXXX XXXX XXXX where a guy had just moved and was not renting a room. So, I had tried calling XXXX or XXXX XXXX phone through my phone, blocked, XXXX, no answer and my girlfriend phone but nothing. I then requested a cashapp refund but it was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
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:
Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed XXXX times. But they have yet to show me how it is my collection, how it belongs to me, etc. 

I have disputed this account XXXX times. 
This is not my account, i dont know who it belongs to. 
The creditor has never reached out to me. 
It is medical and under {$500.00} and just showed up in XX/XX/2022. 

They are incorrectly, and knowingly improperly reporting a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a communication from a debt collector ( credit management, L.P. ) suggesting that I owe a debt to XXXX cable for {$110.00}. I have not had any communication from XXXX since XXXX of 2020 when our business was closed from an apartment internet service. I owe absolutely nothing to XXXX and I am outraged that they would not only charge me without reason but then fail to communicate any knowledge of this supposed debt to me until I finally receive a notice from a debt collector and see damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CA
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 have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has XXXX & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Paypal Holdings, Inc
State: TX
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 rewards from credit card

Complaint:
I made a payment today for a particular item. No problem with making payment. But I thought the item was already paid for via cash back rewards. Because i could be mistake, i tried to see if i could find how/when/where did i spend my cash back rewards. But it was futile. So i contacted PayPal, who controls the paypal rewards. However i was referred to XXXX XXXX who controls the PayPal credit card. They referred me back to PayPay for assistance. They were sending me into a loop. I would like to know how/see the transactions on how I spent/applied cash back rewards for purchases. I mean, without being able to see the activity, like any typical bank statement or cc statement, i may actually be paying twice for a particular item. When I go into the section pertaining to the Cash Rewards, it only provides a remaining balance. And there is no log of transactions that show how the rewards have been spent to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly thereafter, totaling an amount of {$8500.00}. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account in the amount of {$8400.00}, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds ( {$1500.00} ) back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through 6-7 different customer service representatives who all had different stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for them to send me a letter in the mail with a code. Now my account is completely locked and I can not access my money. I kept asking why this block was placed on my account and they stated they could not disclose that information even though I could provide my SSN, DOB, account number, card number, etc. every piece of information they could possibly need to verify my identity was provided and they still refused to unlock my account. At this point I just want my money refunded to the original account I made the deposit from.

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 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a claim currently that was started XXXX2020 that is still pending investigation. also i haven't received a provisional credit

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Kolh 's credit card and very seldom us it. For years I had received a paper statement to pay my bill. Suddenly my account had changed to paperless statement. I do not know how this came about. Because my wife nor I made this change. I did not realize this until last week I got a letter about our payment being past due for several months. The letter said I owed {$100.00}. I called the number in the letter XXXX XXXX to speak with someone. I told her I never received a statement, she said you have paperless statement and I said no I do not. I get paper statements from all store cards we have, XXXX, XXXX XXXX, XXXX, XXXX XXXX. After getting off the phone with this person sure enough it had been changed to paperless. So I checked my emails for a notice for the bill. There were none. I checked my trash for it to see if I made a mistake and trashed the email. I have over 1400 in trash dating back to XXXX of last year. Nothing. I checked my spam. Nothing. My wife bought items around XXXX on line and a purchase in store. So from the first of this year they show me as not paying my bill. Charged me interest fees and late charges. Now when I got on my Kohl 's site and looked at these statements on line I found that I owed {$320.00}. Why wasn't the amount in the letter? I did not get statement for over 2 months. So fees and interest are added each month. If I hadn't gotten on line and paid the {$100.00}, there would be still money there they could charge fees on not knowing the full amount. I mailed a check for the {$320.00}. I always pay off my credit card bills in full to avoid paying interest fees. If our purchases are to great at the time, we do not buy the items unless I know I can pay it off when the bill comes. They get you to use the card saying If you put the purchase on your Kolh 's card you get this extra percentage off. XXXX you in to using it. 
I believe someone in the credit card sector changed our account from paper statement to paperless. Did not send me estatements so they could add interest fees and late fees. Then send a letter saying I'm late on my payment of {$100.00}. But not the total amount of {$320.00}. Why did they not give me the total of the balance? Someone is playing games to generate monies fraudulently. If their doing this to me how many others have they done this to. I will never be using a Kohl 's card again.

Company response to consumer: Closed with explanation