BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Credit Karma, LLC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made XXXX transactions to my Credit Karma account on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. I reported to XXXX 's ( the company ) that I hadn't received the products I orders ( a pizza ). I tried to do this same transaction a total of XXXX  times, but it kept telling me that the funding was insufficient, so I tried with a different card. The Credit Karma account was charged for the XXXX charges I reported earlier in this report. These transactions showed up on my account as pending, but the amounts had already been taken out of available balance. These showed up for several days, XXXX days, that was the time that I should have been refunded the money. I called Credit Karma and they told me I had to wait 15 days for the pending charges to be refunded to my account. I called XXXX 's corporate office and was told that the funds had already been distributed back to the banks. I called Credit Karma again with the information I got from XXXX 's corporate office and got the same scripted answer. I decided to print my transaction history, which had shown the pending transactions and discovered that both of them were not on my account statement. I called Credit Karma about the charges not being on my account and was informed that since they were pending they removed them from my statement. Since I didn't see the transactions and didn't copy my statement before the transactions were taken off, I had no proof that the transactions had actually happened. After requesting to speak to a supervisor ( who talked extremely fast and was hard to understand ), I was told almost the same scripted answer as the call center lady said. I requested to receive a copy of my statement showing that the transactions had been taken off or that they were still pending and was told they were unable to provide that information. I then asked for an email to show that there were transactions made that day. They sent me an email copy of these charges. While I was talking to the supervisor, I received XXXX emails other emails from Credit Karma. XXXX was about how to open a dispute and the other was to tell me my card had been deactivated and a new card would be sent in XXXX or XXXX billing cycles. Right now, Credit Karma is showing my balance as {$470.00}. I asked them several times over the last XXXX  days to return my money to me, but I keep getting a scripted answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a Capital One checking account 2 months ago. It's a join account I opened together with my husband and the purpose of account is pay a rent. 
In XXXX I tried to XXXX a money to my landlord but it didn't work. Capital One has a XXXX issue and they couldn't resolve it, I called them more than 10 times and went to the bank more than 3 times. The issue wa n't resolved. So I payed my rent by cash. But at the bank they told me I have an option to make a " Bill payment ' autopay which I did and set it up for every 25th in the month. I was charged on XX/XX/XXXX but the receiver has never got the money. Her bank is XXXX XXXX so we called her bank and they didn't get any transactions. I called Capital One more than 5 times and they don't know what happened with money and they don't know how to assist me. My money is stuck somewhere and I'm late with my rent. Could you please help me to resolve this issue and recommend me a legal help? 
Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX  with XXXX  XXXX XXXX that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX  but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NJ
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. I informed Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect. 
15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

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 2023-02-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have been calling and met with IRS in person. IRS is requesting to send proof of letter saying that " IRS is requesting {$7000.00} to Fifthird Bank. '' As they don't have anyformations, Fifthird is resposible for tracking and getting the information where the money is. 
I need the refund asap and will have to take action on their lack of responsibilities and will have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Transaction date and amount : XX/XX/2022 - {$370.00}. 

Someone was able to change their name to one of my friends on Venmo, copy their profile picture and user tag and request money by going through this users friends list. I do agree, I should have double checked the account but Venmo allowed them to completely copy this person 's account. When I clicked on the payment, it did not notify me that this user was not on my friends list and allowed the transfer without any sort of indicator popping up that this user is unknown. Immediately after the payment, the user changed their name again and their account is still active. 

I reported this to Venmo and they denied my claim, stating this payment is consistent with my payment history. This confused me as I have never sent this person money before. The username of the user that received the payment has a completely different name, which they provided in the dispute outcome. The user 's actual name does not match their account info. 

Venmo 's website shows they are aware of this type of scam yet they have put no security measures in place to stop users from mimicking or copying other users accounts. 

I believe that Venmo has acted in bad faith in the review of my dispute resolution and has displayed negligence as they have created an environment that allows people to constantly change the image of their profile which gives them an easy opportunity to scam other users. It is confusing to me as to why Venmo even allows account users to be able to change their username to something that does not match their accounts or social security number. 

I understand if nothing can be done but since Venmo is such a big company with millions of individuals personal information, I believe they should be held accountable for their lack of security measures which have led to a dangerous environment and should at least share the responsibility of scams that are occurring. 

Right now, you can change your name and username as many times as you want and I believe this creates an unsafe environment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX  ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by BMO and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.

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 2023-06-16
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a hotel refund my deposit. The hotel said it wouldnt post to my account and it did. They gave me a receipt showing it was refunded. Cashapp said they needed the receipt that showed store, date, logo, refund and show a XXXX balance. 

Ita shows all that and cashapp wont refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has not removed or deleted inaccurate information reporting on my credit report. XXXX outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. XXXX continues to report inaccurate information and even though I have sent letters and called Experian, Experian will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since 2017.

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 2023-10-23
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/XXXX I booked a rental vehicle from XXXX and prepaid a total of {$2300.00} via Chase Travel using Chase card ending XXXX ; I used a combination of credit and points. Upon returning above vehicle to merchant on XX/XX/XXXX I was once again charged {$2400.00} on Chase card ending in XXXX. 
I've disputed these charges twice ( XX/XX/XXXX and XX/XX/XXXX ) via Chase requesting a refund to one of my cards as I only rented 1 vehicle with the same confirmation # XXXX. I've reached out to the merchant via phone on 3 occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ), representatives have verbally acknowledged the XXXX distinct charges and have elevated the matter for said reservation, however an adjustment has not been made after approximately 2 months of me seeking to resolve. I have receipts and account transaction records that I am able to pull via chase.com and XXXX. I have requested on XX/XX/XXXX and XX/XX/XXXX to XXXX via representative on the phone to provide me with itemized receipt and payments received by me including third parties- they stated they sent me an email but I have yet to receive any correspondence. Chase claims representatives were also contacted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Chase representatives opened claims and I uploaded all supporting documents. Chase representative on XX/XX/XXXX stated that XXXX makes the decision to decline or approve disputes, so I would need to contact them. On XX/XX/XXXX I filed an online inquiry on the XXXX site and I immediately received a response stating that the financial institution is responsible for addressing disputes with the cardholder. 

The XXXX receipt issued on XX/XX/XXXX demonstrates that I did not incur additional fees that would equal over {$2000.00} and does not acknowledge the previous XX/XX/XXXX booking made through Chase Travel. I did not authorize additional services nor coverage, and I returned said vehicle with a full tank of gas, all of which XXXX can verify with their issued receipt. Chase is now acknowledging the charges that were made by the merchant and are deeming my third party booking through Chase Travel as non-refundable in credit and points I earned along the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several endeavors 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

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 2020-09-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been XXXX due to illness for XXXX years. One of the side effects is XXXX. I have damaged my teeth by XXXX XXXX. NO XXXX DENTISTS accept my insurance as I am an adult. I was due to have XXXX at the XXXX XXXX XXXX for a complete XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was unable to XXXX  due to the potential for harm. I went to a local dentist who said it would be XXXX,. They offered to run my credit through Care Credit and was approved for {$1800.00}. I declined and my mother paid in advance. Recently I have been attempting to go to back to work and restart my business. As I am on a fixed income, my future projections were not considered. My credit score is good. But due to limited income, they ran the credit which was good, but showed a high debt to income. When I received the report I saw that Care Credi released 86 % of the credit and shows I am delinquent. I have never used this and owe no money to them. It dropped my credit score from XXXX to XXXX, And I was denied. I am being discriminated against, to access my rightful credit. I have shown I am able to make the payments as pay no living expenses except for my phone, and XXXX loan, which I am about done paying for, and I have always been always on time. I also have a XXXX credit card for auto repair. It initially was XXXX and always on time, and double the amount. My student loans are paid. The negative medical bills were eradicated as it was due to improper billing.

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