BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX XXXX, XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have {$2500.00} in my venmo account and it's frozen and they're trying to tell me that the account specialist are working on it but the only way to contact them is via email nobody ever answers something isn't right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: DC
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:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via 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 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-12-10
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my Apple Credit Card by Goldman Sachs in XXXX. 
On XX/XX/XXXX my IPhone was stolen which I reported to the bank right away. 
Fraudster and scammers used my virtual Apple Card to shop online and phisical stores, adding more than XXXX dollars in fraudulent charges. After reporting and claiming Goldman Sachs why this happened if I had already called to block the card they confirmed that they will block the virtual card and I could use my phisical credit card which I still have. I was even able to go to our neighborhood poultry and buy some fresh chicken with the card. 
Couple of days later Goldman Sachs has closed my credit card account and they say that I will need to reapply for a new card if I want so, however this is not a guarantee that my credit card and credit limited granted before will be the same or honored. 
I find this situation very deceptive and demeaning since closing my account will affect my credit score and history. 
Since I was stolen my iPhone and all those charges are unauthorized I would like to know my rights please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a pre-paid visa card by my employer. The card had expired, but had a balance of {$290.00}. There is a {$3.00} fee being charged each month. 

The website related to the card is still active, but there is no customer service live person option to report a missing or stolen card. 

According to the card agreement on the website, the card was administered by Blackhawk Networks. The process to report a stolen or missing card via email also references Blackhawk Networks.

When I called Blackhawk Networks, they acknowledged the initial purchase of the gift card. Then, they denied that the card was under their administration. They refused to issue a new card with a valid expiration date. I have no way to access the cash -- and they will draw down a {$3.00} fee for years until the balance of the card is used up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had originally signed up for an American Express XXXX  card. Because of the pandemic, I downgraded my card to an American Express XXXX  card. I am charged annually for both cards. 

One of the reasons I obtain the American Express credit card is so that I will not be charged a foreign transaction fee. There are many credit card consultants touting the benefits of having no foreign transaction fee as an outstanding feature of American Express credit cards, including the Amex XXXX card I have. Here is a link to one such expert published on XX/XX/2021 : https : XXXX When I downgraded my card from XXXX  to XXXX, I was not informed that I would lose the XXXX  foreign transaction fee privilege. My understanding was that such privilege would continue. However, four days ago, I found out that I was charged {$730.00} by American Express in foreign transaction fees. 

Thus, I was misled by the American Express company to believe that I had retained the XXXX foreign transaction fee benefit by downgrading XXXX to XXXX. Had I known I was going to be charged 2.7 % for the transaction, I could've used my XXXX XXXX card, which had XXXX foreign transaction fees. The practice of the American Express Company is deceptive and their agents lured me to keep their " travel card '' during the pandemic ( when travel is not possible ) so they can hit me with exorbitant service fees at the right moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In the morning of XXXX, I received XXXX emails from Bank of America. 

The first stated I applied for a Advantage Safebalance checking account and was being processed XXXX, the account was approved with the account number listed. 

Lastly, online and mobile banking was approved and set up. 

I did not apply or open this account. It was fraudulently opened in my name. 

I contacted the Bank of America XXXX department whom immediately closed this account, put a flag out and fraudulent alert.

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 2022-11-10
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX, XXXX, XXXX, I called my skylight One XXXX at XXXX pay card concerning a FRADULENT!! ATTEMPT onmy pay card for ( XXXX for XXXX XXXX ) item was Declined, due to lack of funds in my skylight One account. Then a second fraudulent pay card Decline was for some place called XXXX XXXX, skylight One WOULDNT give me that fraudulent decline amount. Then a third Fraudulent Decline attempt on my pay card account was for something called XXXX XXXX skylight One would NOT disclose that amount to me either! Skylight Licked, cancelled my card ending in ( XXXX ), said they would forward my new card, I should receive by the XXXX of XXXX!! When I got paid today, ( XX/XX/XXXX )!! With no access to my card funds! And skylight quite answering phone! Put Me on HOLD XXXX XXXX mins at a time, and refuse to disclose to me any more information concerning their Pay Card Breach! Refuse to give me the phone number to XXXX Bank, who issues skylight One pay cards. I was able to set up a skylight One online account when I first got card XXXX, but after that initial set up I continued to be BLOCKED from getting to my online skylight One pay card,! and skylightOne NO HELP!! Requested to speak to a Supervisor MULITIPLE TIMES!! Was just left on hold! With HORRiBLE Music playing in my ears. To this point, I have Reported this fraudulent attempt to use my card to Local Police, of XXXX, IL. I have tried to reach NetSpend with NO SUCESS What SO EVER!! My Pay Funds are Frozen, and Skylight tells me They can't help me get to my pay funds!! That I just have to waitw for new card!! WHY?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Guild Mortgage saying my loan was in default due to missing HOA payments. I spoke with the attorney from the HOA and am working on a payment arrangment. I was told by the mortgage company to contact them within 10 days. I have called and left over 30 messages with no response. My home shows on XXXX as being in pre foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX while i was stationed overseas somebody fraudulently opened an account with synchrony bank in my name, once i returned to the states side i contacted synchrony bank about this fraudulent account. the company immediately did an investigation and closed the account in XXXX of XXXX. Then in XX/XX/XXXX synchrony bank which is not even authorize to collect in the state i reside in which is the state of Tennessee reopen an account with a different account number in my name without my consent with no contract with my name on it. this company committed identity theft by fraudulent opening an account and then trying to charge me for an account that is not mine and that i never sign a contract with they continue to harass me with emails and report negative items to my consumer report violating federal law 15 USC 1681b. This company must close this fraudulent account immediately an update this with the credit bureaus.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
on XX/XX/2022 at XXXX. i called Capital one auto finance to go over my account status. I was going through financial troubles and had just landed a job. my account would have been late. i called to see if there was something that could help me out in this situation. After a 23 minute conversation with a gentlemen. he advised me that He would put me on a payment plan that would merge a few of my payments and implement a payment plan where it would allow me to catch up, as i was waiting for my first pay check. the payments would begin with a due date of the XXXX  of each month, starting on XX/XX/XXXX with payments of {$600.00}, as opposed to the normal {$450.00}, till i am caught up and then resume its normal due date. I asked the gentleman if this payment plan would avoid me being from 30 days late, since my normal payments would be due on the XXXX of each month. He specifically told me i would NOT be 30 days late given that i am going into this new payment plan. If i am accidentally reported late, i can dispute it and the late would be removed. the gentlemen, while i was on the phone, emailed me the dispute resolution process. with this information, i accepted the payment plan terms and set up auto pay to avoid hassles and it was a requirement of this new payment plan. i was reported late regardless, i attempted to have the company resolve and help me remove this late due to the unfortunate miscommunication, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: ENCORE CAPITAL GROUP 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:
I have 2 unknown chargeoffs being reported negatively to my credit report. I dont know this lender account. They continue to report and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report with transunion and found numerous inaccuracies, namely three collection accounts for which I had disputed. In disputing those three reportings by company I requested the following information per the Fair Credit Reporting Act, Section 611- Proof of origination of accounts, correct address, phone, birthday and SSN. I asked that Trans Union provide this information to me in writing. They did not, in fact they quickly responded that they deem the accounts accurate within 18hra of my filing the disputes. Transunion does not work on behalf of the consumer nor do they respect direct requests to prove the ownership of those accounts they are reporting which seriously damages consumers financially. I will provide the letter sent to transunion which went ignored and I would like to have their practices investigated for all consumers dealing with their unfair reporting.

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 2023-02-27
Company: EQUIFAX, INC.
State: NE
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On       this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX   and additionally signed up for credit monitoring services with the credit bureaus and have reached out to Innovis as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

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 2023-10-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XXXX a XXXX XXXX credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX XXXX XXXX XXXX  as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in XXXX  when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file

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