BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX, XXXX XXXX  and NYC and Co have all closed my store credit cards with them that I had paid off. I was told because they were dormant then when transferred to a supervisor at Commenity Bank was told because of my credit report that was dinged and lowered because of these accounts being closed without receiving any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received a letter in the mail stating that I had a bounced checked that came back. I called the bank and they stated they would investigate it. The check was written out XX/XX/XXXX. 

I have been receiving letters of credit denial, someone also has been trying to run my credit to open new accounts. 

XXXX XXXX XXXX XXXX XXXX Best Buy 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 2023-11-12
Company: CITIBANK, N.A.
State: MA
Product: Credit 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:
Citi bank closed all of my associated accounts with them ( CITI and Macys ) yet CONTINUES to send me promotional mail asking me to open a loan or new credit card with them - I do not wish to receive any further mail from citi bank regarding opening new accounts since they refuse to open my old 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 2023-10-31
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navient you furnished an alleged transaction on my XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not rely to me stating that you are furnishing accurate information because we both know your not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX XXXX Without Recourse UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is the second time I've done this and obviously nothing was done the first time be side they still do it. PayPal sends customers emails claiming that holds on the payments a seller received are from outside sources. But in fact the payments are being held by PayPal for their own intrest bearing accounts to make profits. These statements are being made about financial transactions and they are being sent over electronic communications which as I understand is wire fraud. It is happening to hundreds if not thousands of sellers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Zelle accepted a request of {$120.00} to a XXXX XXXX. Someone who appeared to be a tattoo artist with the company named XXXX or XXXX XXXX. They booked an appointment using XXXX and took the money. The company does not exist but the funds should be able to be traced back to an authorized account who should be held responsible and is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I sent a dispute letter. I sent a copy of my driver license and a utility bill to make sure my identity wouldnt be in question. I sent my dispute letter with clear disputes. On XX/XX/XXXX Experian emailed me saying that they received a dispute that didnt appear to be from me. I tried to call and was impossible to get through to someone. This is clearly a stalling tactic by Experian to not investigate my dispute. I would like my original date to stand in regard to when I sent and they received my letter. The law stipulates a timeline here to investigate and remove items from my credit report. They are trying to extend this timeline unlawfully by claiming it was not me who submitted this dispute which it most certainly was was. Thank you

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$810.00} accounts which does not belong to me. So I am writing to exercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing to dispute inaccurate account information that is being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing sections 602, 604 ( A ) ( 2 ), and 1666B of Title 15 USC.

Under 15 USC 1681 section 602, I have the right to privacy regarding my credit information, ensuring that it is accurate and reflective of my financial history. 15 USC 1681 section 604 ( A ) ( 2 ) further emphasizes that a consumer reporting agency can not furnish information about my accounts without my explicit written instructions. 

Upon reviewing my credit report, I have noticed discrepancies that are in violation of my rights under the FCRA. Specifically, I am concerned about late payment notations on certain accounts. According to 15 USC 1666B, creditors are prohibited from treating a payment on a credit card account as late under any open end consumer credit plan, for any purpose. See Attachments...

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 2022-11-25
Company: Experian Information Solutions 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 right 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 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 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 1861c ( 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 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 explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX {$2600.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill in the mail from this company on XX/XX/03 stating that I owed a dental bill. Before I could call them, they placed it on my credit report, which is illegal. I have 30 days to dispute the bill, which I am disputing the bill but this should not be on my credit report. Also according to FDCPA, section 15 USC 1692g, it is unlawful to place debts on credit reports withhin 30 days of contacting the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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:
XXXX XXXX is attempting to collect an unverifiable and canceled debt. This is for XXXX XXXX provided by XXXX founder and partner XXXX XXXX. XXXX XXXX refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXXXXXX XXXX XXXXXXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX XXXX XXXX has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX Billing stated that he would be the individual responsible for deciding if a bill went to collections. The XXXX is no longer valid for the practice and they have no information about the debt. XXXX XXXX has refused to get current verification. 

XXXX  and XXXX have removed this item and sent information to Equifax that this is not a valid debt. Equifax refuses to remove the item. I have spoken to three different Equifax employees. One stated that she would have the item removed which was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Early Warning Services, LLC
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:
In 2017 I had a XXXX XXXX Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified XXXX XXXX of the scam and XXXX XXXX closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. 
I recently tried to obtain a new bank account and was informed that XXXX XXXX is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute to Wells Fargo. I was charged for something that was the wrong product and I returned it. I submitted the email sent from XXXX and the tracking for the product I returned. Wells Fargo have not handled my dispute properly.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: NY
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; 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 2023-11-11
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday, XX/XX/2023, I'd Cash App {$300.00} to my receiver, and he is unable to cash it out, as there is nothing wrong with his bank account. He file a complaint with Cash App ( XXXX ), and they were unable to tell him why he can't Cash-Out the monies. They told him that they cancelled his account and put in a XXXX # XXXX, and that he will hear from a XXXX via email,. Well to date, the money {$290.00} ( $ XXXX {$8.00} Fee ) is still in limbo in the App, on his phone ; and no one has emailed him of the status of his complaint. My bank states that they can not return my monies to me, as this was a Cash transaction. Please help me get my full {$300.00} back from Cash-App. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Today is payday, which is the XXXX and XXXX of every month. I have direct deposit. I picked up my pay check that shows direct deposit but the bank doesn't have it. They don't know what happened. I got hung up on by the representatives 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.

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