BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a Secured CC on XXXX XXXX through Citibank as a way to Build/Repair your credit. I opened it with a {$300.00} Deposit on XX/XX/2021 and that was my credit limit. Per their Pamphlets Citibank would revaluate your account and refund your {$300.00}. After 18 months of successful payments and responsible use. I made the payments before the due dates and in full never just the basic Payment. I made a {$230.00} Pymt on XX/XX/2021, I called XXXX XXXX, 2021 to let them know it would not go through and I needed them to stop sending it so I could make the Payment on XX/XX/2021. On XXXX-21 they said I owed {$320.00} and I made the Payment. I called on XXXX-21 to ask why the online account was still showing. {$230.00}. Pymt was needed and I only had a $ XXXXCredit Limit. They said pymt would post by XXXX-21. That evening XXXX21 my account was closed I called to ask why the first rep said security issues they were not privy to I asked for a Managing Supervisor she said no not a security issue I would recieve a letter in the mail as to why. I asked about my deposit and she said that was what I had been using and I said if so then why did I owe {$320.00}. If you were using my {$300.00}. Deposit then I should have only owed {$28.00}. I am out of {$620.00} I was using this yo build my credit and fico score so I can rent a home for my family because we have been homeless since XX/XX/2021. Now all of that is going to be affected by the scam a supposedly reputable company Citi bank XXXX was offering this is a scam and XXXX XXXX needs to take this off their website so no other consumer is affected like I have been.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX  3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX FINANCIAL XXXX Balance : {$1200.00} XXXX XXXX XXXX COMPAN XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased a Round Trip ticket from XXXX XXXX with my Capital One Credit Card in the amount of {$170.00}. 

On XX/XX/2021, I arrived at the airport. After refusing additional sales, the rep checked me in at XXXX. With the help from the airport staff, I was able to make it to the gate a few mins earlier than the boarding time. But XXXX refused to let me board the plane. Therefore I had to purchase another ticket immediately with XXXX XXXX in the amount of {$150.00} to keep up with my trip schedule. 

On XX/XX/2021, I was returning from XXXX, the XXXX staff told me that I needed to purchase another ticket on my own device because I missed my initial flight. How absurd? Thus I spent another {$140.00} for a returning flight, paid via Capital One credit card. 

I called capital one to dispute the transaction in the total amount of {$300.00} ( {$150.00} + {$140.00} ), Capital One issued a temp credit. 

On XX/XX/2021, Capital One took away the credit because the merchant responded that I didn't cancel the ticket and no show therefore I am not eligible to receive a refund. This response is completely irrelevant to my dispute claim. 

On XX/XX/2021, my attorney submitted the rebuttal letter requested by Capital One along with the evidence of a check-in voucher to prove that I showed up but XXXX didn't let me board the plane. 

On XX/XX/2021, Capital One sent a letter that they can not assist further and the decision has been made in favor of the merchant, even though the merchant didn't even provide any valid response. 

In XXXX, I filed my initial complaint against Capital One through CFPB. One month later, Capital One responded with a request of Power of Attorney, and then CFPB closed the complaint. I have no clue what capital one and CFPB are doing. I'm happy to copy and paste everything I just wrote continually until we solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela has been completely unresponsive. I was initially confused about the TEPSLF form and process for certifying past employment that was deemed to qualify for PSLF. I filled out a form awhile back thinking I needed to just to certify my current employment and submitted it when my loan was still with XXXX. Then I realized I could get PSLF credit for a past position and resubmitted the form certifying that employment to Mohela on XX/XX/2022. I heard nothing from them, my payment counts have not been updated ( not even to reflect my current pay count outside of the TEPSLF, and when I look online it says the form submitted is a " duplicate form. '' I was concerned that they would not review the form since it was a duplicate and wanted to talk with someone about it. I contacted them several times and most of the time the phone would disconnect after I sat on hold for 30+ minutes. I finally talked to someone who said they would take a look at the form soon but they would review it even though it says duplicate form. It has now been six months since I submitted that form and nothing has come of it. This is extremely frustrating because if they approve my past employment my loans will be forgiven in just a few months and it's important for my financial planning to know if this is going to happen or not. I realize they have probably just halted everything pending the Supreme Court case but the issue I am wanting addressed is outside of the Biden loan forgiveness plan. 

Now when I go to the Mohela site to check the status of my TEPSLF it says " a duplicate application was processed as cancelled. '' This is so frustrating because as I mentioned in my initial case description, when i finally was able to talk to someone in the fall they indicated that my form would be reviewed even though their system was classifying it as a duplicate form. I also believe that if my past qualifying employment is counted that my loans should have already been discharged, making this matter a little more pressing than I had initially considered. I just wanted to provide this additional information in case it is helpful. I tried calling Mohela again several times but I truly think their phone system is now set up to make it impossible to reach a live person. Thank you so much! 

I submitted a complaint with the Department of Education in XXXX and it says it is still open but I have not heard anything from them.

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 2022-05-13
Company: SUNRISE CREDIT SERVICES, 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: Old information reappears or never goes away

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 consumer credit plan as late for any purpose.

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 2022-10-16
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: Account information incorrect

Complaint:
All three credit reporting agencies do not update payments or correct balances. Especially Transunion and XXXX. XXXX gave access to XXXX without my authorization. Transunion is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.

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 2021-12-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello! I think I got scammed on Venmo ( https : //venmo.com/ ). Here is what happened : 1. On XXXX XXXX, 2021, at XXXX XXXX I received a transaction of {$570.00} from someone named XXXX XXXX XXXX whom I do not know at all. Moreover, I did not receive any email or text notification from Venmo about this transaction. 

2. On XXXX XXXX, 2021, at XXXX XXXX an amount of {$570.00} money was transferred from my Venmo account to a XXXX, XXXX XXXX Personal Checking account ending with XXXX. This checking account does not belong to me and I do not know whose account it is. It was not added to my Venmo account before. Moreover, this transaction was done without my authorization. Again, I did not receive any email or text notification from Venmo about this transaction. 

XXXX. On XXXX XXXX, 2021, at XXXX XXXX XXXX XXXX XXXX disputed the first transaction and Venmo approved his/her dispute. I received an email from Venmo about this dispute on XXXX XXXX, 2021, at XXXX XXXX. 

Now the result is I own Venmo {$570.00} and my Venmo account was frozen. 

I disputed the second transaction to Venmo and explained to them that this transaction is unauthorized, but they denied my request. 

I also emailed Venmo and explained what happened to me many times, and asked them to investigate these transactions, but they were not able to solve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Paypal Holdings, Inc
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly committed Felony Fraud to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. 

They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. 
This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. 
They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. 

They also don't provide consumers access to their full, unobfuscated account numbers either on the website, phone app or even in account statements. 

This itself is a Federally Illegal & Fraudulent Business Practice. 
Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections XXXX XXXX XXXX  For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation 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 2021-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
Submitted dispute claims that XXXX banks that are being reported with information that is incorrect, not mine & /or accounts opened fraudulently. I have proof of the most recently submitted disputes where received verified by usps certified mail. The 1st time i submitted my disputes for these XXXX banks, I submitted through online submission with confirmation via email. In my disputes, I requested investigation into the XXXX banks being reported with reported negative information. I also requested the validation of this information bearing my signature. I did receive response for the 1st dispute submission but only stated that accounts where verified as accurate. But Chexsystem failed to give me my request for validation of this bearing my signature which is in violation of the fair credit reporting act. I've attached my most recent letters sent for my XXXX attempt to rectify.

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 2022-11-06
Company: DISCOVER BANK
State: MI
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 have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation