BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This company closed the my checking account because an accident when my yard man cashed a check on that day in XXXX no blocked account or closed account but he cashed the check I thought it would be fine because I was told that I was going to get my Long Term XXXX but that day it never came. So the account end up saying it was over which is weird since they didnt pay it. So here is XXXX XXXX mobile upload a check that I needed cashed they dont have a branch in Texas so I mobile deposited it I got off work early was going to go pay my first months rent for my new house I never saw the amount update. So I called them to ask them and they transferred me to some department to verify the check it went all from there the women ask me question verify the verified phone number so I gave her every number I called all of them was not verified then she transferred me to somewhere else they verified me then he said have the lady from the company call-in answer some questions and verify so she did XXXX times then they said the check was counterfeit and she wasnt calling in from a verified phone number. So I waited for a lil bit then call back found another number and asked was that verified they advised yes called told them to call she called rep transferred her to accounting office was close I called back the next day had someone call the same lady that called 3 times she answered Same questions check was verified. Still didnt unblock my account then they said it was referred for closure the same day I was crying wanting my XXXX dollars and etc. So when they say I went against policy no I did not. Lets fast forward who takes XXXX to 60 days to close an account when it takes XXXX min to open XXXX. But I am a single mom I need every XXXX I need that money for upcoming rent and to get a car and pay some bills, get meds its like XXXX total I can not wait for them to give me my money thats rightfully mine that they are torturing me with when they are the ones you are closing my account. I am not waiting till the end of XXXX better not even the end XXXX to get my money. They need to close this account by the 30 day mark which is XX/XX/2023 which is also a couple days after the 30 days.Because has got to be illegal. And even if it takes you longer to close this account then just give me my money I have to have it by XX/XX/XXXX my son is already afraid of being Homeless again and without a car and at this point its on you so, I would really appreciate if you all could expedite the review of my account and close this expeditiously so I can get my money that I need quickly. 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 explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2023-02-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo Personal account base and business account ( XXXX XXXX ). Application does not allow account deletion for business account. Business account must be deleted by Venmo customer service prior to deletion of personal account. Personal account can allegedly be deleted via app after business profile has been removed. 
Although app reflects business account has been removed, application cites business account must be removed first. Venmo customer service is no longer responding to assist in the account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, has violated my rights. 

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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-10-12
Company: Comerica
State: NC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a dispute with Direct Express on XX/XX/XXXX concerning XXXX unfamiliar charges totaling {$230.00} on XXXX different days in XXXX XX/XX/XXXX, all to XXXX XXXX, obviously for some electronic service or game play, numerous charges per day with most being identical in amount, I did exactly as I was instructed, completed and returned all paperwork by mail promptly. On XXXX all the charges were reversed back to my account and nd on XX/XX/XXXX the were reversed again off my card, I can not get any explanation at all. And when I ask to speak with a supervisor Im hung up on, Ive tried XXXX calls with the same behavior from customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: MOHELA
State: TX
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:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the MOHELA student loan servicing provider under the Public Service Loan Forgiveness Program.

The problem is MOHELA has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and XXXX. 

I emailed MOHELA through my online account on XX/XX/XXXX asking when MOHELA was going to report this new financial information to the XXXX, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if MOHELA lets XXXX, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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:
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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
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:
My XXXX XXXX and equifax is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report.

15 U.S. Code $ 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 resulted 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 identity theft!! Please delete these items IMMEDIATELY!

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 report under 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 consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 
I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving and not verifying address.. Further, they will not correct 1099 form to show no amount received...

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 2023-08-26
Company: Experian Information Solutions Inc.
State: PA
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:
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.

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 2023-02-09
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:
XXXX continues to violate 15 U.S. Code 1681b and 15 USC 1681a ( 1 )

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted XXXX and Transunion. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.

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 2023-10-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit 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 made a purchase in the store on XX/XX/XXXX. I later contacted the store and was given permission to exchange my purchase for a smaller couch. I completed an additional purchase around XX/XX/XXXX and was told to expect a credit for my initial items within 2 days. I never received a credit from the merchant and filed a dispute. 

I sent documents confirming that I was due a credit and if reviewed properly my transaction history will show that I never received a credit. Additionally a review of the invoices supplied by the store also show that no credit was applied to my second transaction as claimed my the merchant. 

My dispute has been handled improperly. My documents have not been reviewed and Ive been given conflicting information. Please review information provided in the live chats on XX/XX/XXXX and the multiple calls. 

I am requesting a permanent credit, update to my credit report to reflect the correct high balance and a correction to the minimum payment. I am also requesting {$1000.00} in compensation for negligence.

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 2023-06-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
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. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 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 2023-04-12
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: Account information incorrect

Complaint:
I sent the credit bureaus letters asking to verify the debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. 

If you look at the current credit report for XXXX information is extremely inaccurate. 

I have also received letters saying that they need to verify my identification, but I sent all three bureaus a copy of my driver license and Social Security. 

Also those three letters were notarized just to confirm that it was me and the letters were real.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have both an XXXX refinance loan and a checking account with USAA. The checking account is set up to auto debit the minimum payment due on the auto loan of the XXXX of every month. 

The minimum monthly payment for the auto loan is {$750.00}. 

This month, I made a partial payment of {$290.00} on XX/XX/XXXX. That left a balance of {$460.00} due on the XXXX. The payment tab on both the USAA web site and mobile app confirmed that this was the amount due on the XXXX. 

On the morning of the XXXX, I attempted to use my debit card associated with my USAA checking account. It was declined twice. I logged onto the mobile app and learned that my checking account was in overdraft status because USAA had debited the full XXXX XXXXayment of {$750.00} even though it was more than what was due. 

I immediately logged on to the USAA customer service chat in an attempt to resolve this. I was told in this chat that USAAs partial payment policy was that the partial payment had to post before the bill date ( in my case, the XXXX ) in order to credit toward that months payment. I asked them to show me where this policy was listed on the site or in my loan documents because I had never seen it before. After they took considerable time to review my documents, I was told that I was correct - that policy was not included anywhere. 

I asked what USAA could do to reinstate the funds that day. I was told they could try to reverse the payment but that process would not reinstate them same day. 

As a result of this policy & not being on notice of it, I could not get XXXX or XXXX  that day. I also had to transfer money from savings to cover the overdraft & my debit card still is not processing transactions even though Ive since been paid by my employer. I have spent more than XXXX hours attempting to resolve this with USAA to no avail. 

I can provide copies of the loan documents and customer service chat transcripts to the person investigating the complaint ; I dont want to upload them here as they contain identifying info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: TX
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:
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.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 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