BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Following is a brief account of my complaint against Venmo. There is also a record of my complaint to the XXXX XXXX XXXX  XXXX XXXX XXXX at : XXXX  : XXXX Essentially, I agreed to a very short-term loan to a friend, XXXX XXXX ( our accountant of 20 years, who has fallen on hard times ), of {$1000.00} back on XX/XX/2022. 

I mistakenly transferred the money using Venmo, rather than XXXX, as XXXX had requested, and XXXX instantly told me I had made a mistake and that he couldn't access his Venmo account, and that he had asked me to use XXXX. 

I immediately called Venmo ( within 15 minutes or less ) to stop payment and their representative told me the only way was to stop payment at my bank, XXXXXXXX XXXX I did that and got my money back through the bank about two days later. 

Venmo has persistently contacted me since then saying that I owe them the {$1000.00}, even though XXXX has fully explained the situation to them ( I have screenshots of his email ; I can also forward my entire email chain with Venmo ), and that his Venmo account was hacked and he can't access any funds through it. He never received the {$1000.00} I sent him, which Venmo claims I now owe them. 

I think they want to take my money and apply it to any negative balance he has with them, but I am not his personal guarantor, and I sent him a separate {$500.00} loan through XXXX, on the same day, XX/XX/2022, to try to help him out. 

I believe Venmo calls me every day ( I get messages showing their number, but I have blocked it so it doesn't ring ) and emails me constantly, demanding payment and never offering to close my Venmo account with no balance owing, as I have requested ( I rarely used Venmo before ; I deleted the app in XXXX or early XXXX 2022 ). They emailed me again on XX/XX/2022, admitting that their representative had given me " incorrect information. '' I will forward it to you. 

Their representative told me on XXXX XXXX 2022 to stop payment through my bank. I'm sure they have a recording of that, because they accept that but still claim I owe the money. They say I was given incorrect information ; I say it's their responsibility. They have been extremely unhelpful and harassing, and offer none of the protections a bank or credit card does. They clearly need further federal and/or state regulation, as does their parent company, PayPal. 

I hope you can help resolve this. I simply want my Venmo account closed with no balance owing, and a written apology from Venmo for all the hassle they have caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I purchased windows for my home ( as the windows were beyond repair ). Lowes worked with me on this, and stated that I could get the promotional 24 months interest free. I knew that I would have this paid for and have always made my payments allocated to where the " promotional purchases '' were paid and plus the additional principal and interest for that particular month. The purchase of the windows were {$5000.00}. 
In the latter part of XXXX, my washing machine and dryer went out as well. Upon having to purchase these during the " XXXX XXXX Sale '', I knew that the windows would be paid for ( since obviously they were purchased first, then the washer and dryer ), but I was willing to pay the interest on the washer and dryer vs. the windows. 
It was XX/XX/XXXX when I realized that Lowes had placed the washer and dryer purchase BEFORE the windows ; therefore, the payments were all being applied to them and NOT the windows. I panicked and immediately emailed them to inquire. I got a very valid response, and the representative did not answer my question as to why they placed this purchase BEFORE the windows, so today, I saw where they put {$3400.00} of JUST interest on my credit card statement, which put me negative on my card. I don't know what to do as they completely did NOT place in the disclosures that the purchases would be placed in a particular order, when it's common sense that the " older purchases '' are paid for first, then the rest, which is how all other processes are completed ... .. or so I thought?

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 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA believe they can do whatever they want. I'm fully aware that USAA has been knowingly and willingly violating my rights, their own policy and federal law with their unfair, deceptive, abusive practices or services. USAA have been in the news over the pass recent years of paying out big financial fines from OCC, CFPB, FinCEN ... its a pattern of racketeering activities of closing people checking accounts without proper notice and time to resolve the issues at hand. while speaking to multiple people in different department for the lack of being able to answer questions, concerns and more they didn't know their own policy of being 30 or 45 days for the account to be overdrawn before closing it. this adverse action is something that violates my customer rights and federal consumer protection laws. 

the checking account was closed on XX/XX/XXXX and found out on XX/XX/XXXX that was allegedly overdrawn for 30 days. I spoke with XXXX, XXXX and even escalated to the executive office where I spoke with XXXX. 

been a member since XXXX, and the alleged amount was {$3.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
Monday, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

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 non-monetary relief
Consumer complaint received 2023-04-02
Company: Resurgent Capital Services L.P.
State: AL
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 sent letters and communicated to each credit bureau by phone about the inaccurate reporting of this collection account # : XXXX. The date originally for this account was opened on XX/XX/XXXX ... Each bureau was showing that this account was opened in XXXX which is Inaccurate. XXXX deleted the payment history but the account remains on my file as negative, XXXX reporting as if Im making payments and Im not. But due to XXXX not doing proper investigation and reporting, I just ask that my credit file be updated properly. All of this Inaccuracy negatively affects my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chexsystems has not removed reports that contain fraudulent information, even though the information has been disputed with the financial institutions themselves. ChexSystems and the financial institutions knowingly reported fraudulent information during the period when I was still a minor. The report includes the following : XXXX XXXXXXXX XXXX  ; ACCOUNT ABUSE Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX XXXX XXXX ; OVERDRAFTS Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX Both accounts were closed when I was only the age of XXXX ( XXXX ), upon collecting further information from these financial institutions the required legal age to open these accounts is XXXX, as I was only XXXX these accounts are a result of fraudulent activity, and Chexsystems did not follow procedure and federal guidelines when reporting information. 

I requested this information be removed due to fraud and ongoing investigations, Chexsystems has yet to respond to questions.

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 2021-03-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made 2 mobile check deposits on XX/XX/2021 with Citibank into my checking account which posted on XX/XX/XXXX and were made available for me to spend. On XX/XX/XXXX, Citibank arbitrarily rescinded my money and charged me insufficient funds fees for using the money from my checks which they cashed. They then held on to my money for and additional 7 days, even after sending a formal letter acknowledging that they had in no way apprised me of these deceptive practices when I gave them my money to open an account with them.

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 2022-02-09
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Customer Service, On XX/XX/XXXX a deposit was made to my joint checking account aXXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ, consisting of XXXX checks listed below. All checks in the above mentioned deposit consisted of return on investments. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX account number XXXX check number XXXX amount {$210.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$710.00} dated XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$1100.00} dated XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$9200.00} dated XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX account number XXXX check number XXXX amount {$42000.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Operating Account XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX check number XXXX amount {$29000.00} dated XX/XX/XXXX Pay to the order of XXXX and XXXX XXXX Prior to making the above deposit there was a balance of {$6100.00} in the account. The above deposit totaled {$84000.00}. On XX/XX/XXXX my account had a total of {$90000.00}. 
Chase Bank informed me a hold had been placed on my checking account including the funds in my account prior to the deposit made on XX/XX/XXXX. On XX/XX/XXXX Chase Bank sent me a letter stating they have blocked my account and will close it soon. 
On the Chase Bank XXXX XXXX, XX/XX/XXXX is the Date when the funds were available. I went to the Chase Bank branch in XXXX XXXXXXXX XXXX, XXXX AZ, to find out the account was closed. They were going to send me a check for the {$6100.00}. 
I have since received the {$6100.00}, funds that were in the account before the deposit. 
I have made numerous phone calls to a Chase Bank phone number XXXX Option XXXX. They have informed me they can not verify the Maker of the Check. I have given Chase Bank the phone number of the company 's which they have said they can not use. 
XX/XX/XXXX All checks were cashed by Chase Bank. 
As of today Chase Bank is holding our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Earlier in the year I was notified that my FICO score had dropped by 80 points. I investigated and TransUnion informed me that it was because of a collection issued. I opened a dispute because the collection was for an electricity bill in North Carolina and I dont live there, eventually I realized that it was for an investment property I own and the bill was for when the property was vacant. I paid the full amount after I called the collection agency and I told them that I was never notified. When I asked them what address they used to mail me they told me that instead of NH they had NC as the state I live in Do the bill never reached from neither XXXX XXXX or anyone. I opened a new dispute with transunion telling them that the amount should have never come for collection because I was never notified. after they completed the investigation on XX/XX/24 ( file number XXXX ) they did not make any correction as their investigation did not ask anything about the address and what I told them to look into. 

The bottom line is that my credit score has suffered tremendously for XXXX USD that I would have never had a problem to pay if I was aware of my debt, and neither the credit bureau, nor the collection agency or XXXX XXXX have been willing to help and make this right. 

I have never had a defaulted payment and I wont accept this situation hurt a great credit history. 

Thank you 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. XXXX, TRANSUNION, AND XXXX USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON TRANSUNION, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-15
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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Credit Reporting, as well as Transunion, are reporting that I have Bankruptcies on my credit file. I have submitted police report information, FTC ID theft information as well as my identification. XXXX keeps coming back stating my information is frivolous and that they won't investigate. I spoke with XXXX a fraud specialist in the special services department who informed me that any information that is is given by the courts is deemed accurate information even if you have been a victim of identity theft. She stated that XXXX can not and will not remove. I informed her that I have a letter from the court stating that they do not report, that it is reported from a third party. She said they got the information from XXXX XXXX. I then informed her that I have my XXXX XXXX report and have spoken to XXXX XXXX who state that they have no bankruptcy information on me. All I am asking is that my report is corrected These companies refuse to correct it. The Bankruptcy numbers are as follows. XXXX and XXXX. All I need is for the information to be deleted as I did not file them. Otherwise, I have contacted an attorney and will file a lawsuit.

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