BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform. Hackers are now able to hack into multiple platforms and steal passwords and phone numbers and Venmo has not taken reasonable action against these activities. 

On XX/XX/XXXX my Venmo account was comprised and hacked. 
I was notified that someone was trying to sign in on my Venmo Account by an email alert. 
I logged into my venmo account to find out that someone had added XXXX additional accounts to steal money from me from my bank account or to defraud others. 

I was able to delete all of the accounts, however when I attempted to close the account, Venmo made it very difficult. 

The account is now open and the password appears to have been changed along with the phone number for the XXXX. 

When I reported this to Venmo, I was sent useless information having nothing to do with the fraud attempt. 

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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 response to consumer: In progress
Consumer complaint received 2017-11-23
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: Public record information inaccurate

Complaint:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Trans Union/XXXX/XXXX credit report immediately. See Attached document as documentation

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I already have a CapitalOne Walmart credit card. CapitalOne sent me a reserved offer, Pre-selected as a well-qualified person in a group of people. What I liked was during the first 3 months if I spend {$500.00} on purchases during this time I will a one-time cash bonus. No annual fee. A good card in case of an emergency. I immediately scanned the XXXX code, filled out the application and was accepted.I was already a customer and CapitalOne knew me. This was my worst mistake. Before I even received the credit card I received two letters ( attached ) dated XX/XX/XXXX, stating that my XXXX and this new account were placed on hold to clear up concerns CapitalOne has around potential fraud. I was to call today XXXX. The XXXX was paid in full. I called on XX/XX/XXXX and XX/XX/XXXX, before the dates of the letters to inquire when I would receive my new XXXX card. I was told it was in the mail. No mention of any fraud. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have heard different excuses from. This is to prevent future fraud, you have had someone try a get a card before, we need to verify who you are, this is to protect you. I sent the requested papers by mail and was told CapitalOnes system can not read what was sent in the mail, not my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid 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 was given a {$100.00} XXXX XXXX XXXX XXXX XXXX purchased from XXXX in the XXXX, Ohio area. This card was loaded on XX/XX/XXXX. I registered the card online at XXXX on XX/XX/XXXX and learned that it had only a {$1.00} balance on it. I called the customer service number on the back of the prepaid gift card XXXX and they told me that this card was used prior to my registration of the card at two XXXX XXXX XXXX. One in XXXX XXXX, California and then at XXXX, California. One purchase was {$43.00} and other was {$55.00}, these total {$99.00}. The customer service said this happened due to a breech in XXXX 's systems where in these gift card information was stolen. However, the customer service said I had to fill out a " dispute form '' to get my {$99.00} back. I asked them shouldn't they fill out the " dispute form '' as they are the ones with all of the information noting that I am the one with the physical XXXX XXXX XXXX  XXXX. They said their requirement was that I complete the " dipute form ''. Further, their investigation might take up to 90 days and even if successful they would then mail me a replacement. I question why I should have to wait 90 plus days when the customer service people are well aware of this fraud and should be replacing my {$99.00} immediately?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CITIBANK, N.A.
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: WA
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-17
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
See attached file sent to XXXX XXXX. It is very important you read the attached document. Included in the statement is the fact that whenever an agency contacts Selene Finance they say they offered a borrowers packet but what they don't say, and what can be verified by XXXX XXXX and XXXX XXXX and XXXX XXXX, is that they never approve the loan modification and play games during the application. It seems that just saying they offer a resolution is their " XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see in the attached statement that I was blind-sided by my XXXX Standing Trustee during my previous attempt to work out a plan. I have recently had to file XXXX  XXXX with the hope of converting to XXXX  XXXX if/when I get employment.Since the XXXX XXXX XXXX XXXX XXXX wrong XXXX and under reported/ failed to report wages the New Jersey Unemployment says I XXXX not XXXX the minimum required wages and denied XXXX. I have been actively seeking work but have been unsuccessful. Thus, I have had XXXXXXXX XXXX  income since XXXX of XXXX. If Selene Finance would have worked above board years ago I would still be secure in having a place to live while working through this rough patch. Even if I could get XXXX of the agencies I have tried to get help from to see Selene for what it is then I would be in a much better situation. XXXX XXXX 's office agreed but said they could not be involved until I filed a formal complaint with your agency. I am not asking for a hand-out, I am asking for help. Thank You. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, and account name : XXXX XXXX # XXXX, had violated my rights. 

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 : Or also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had 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 2023-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to access my account online to pay bills or transfer my money to another institution since last Friday XX/XX/23, over a week ago! I've called customer service on Friday, Saturday, Monday & Wednesday, spent HOURS on the phone with no solution. All they say is they did an upgrade and they are working on it. No actual solution, timeframe, and XXXX communication from Citizens to even acknowledge there is a problem. Customer Service is completely XXXX and woefully untrained to deal with so many arguably justified angry customers. They again have provided no solution to this issue. I called the bank to withdraw my funds as cash since I need to pay my bills and they said I needed to give them a week to order my money??? They should be ashamed of themselves. It's ludicrous and they shouldn't be allowed to XXXX around with other peoples money or their access to it and have no reprecussions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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 # XXXX, XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX

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 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Capital One Visa for a purchase of knit pants and a top for {$450.00} on XX/XX/2021 on XXXX. 

On XX/XX/XXXX, I received a rejection letter from Capital One with no clear explanation. When I called customer service, I was told the reason for the rejection is that Capital One can not rule against a merchants refund policy. The refund policy was clear : the items were not eligible for a refund because they were knitwear. 

However, the merchants refund policy is not clear. On the one hand, it says full priced merchandise is eligible for a refund, and discounted goods are not. The items I purchased were full priced. On the other hand, it says items which would normally be eligible for refund because they are full priced, are not, if they are XXXX XXXX and they are part of a temporary pop up. But when a consumer looks on XXXX for a XXXX XXXX pop up, there isnt one. There is no other knitwear offered on the site, but if there were, the policy goes on to say, they would not be eligible for a refund. Since the items I purchased were XXXX XXXX, not other knitwear, and not in a pop up, I assumed the exception to the refund policy did not apply to me. For all I knew, given the temporary nature of pop ups, there used to be a XXXX XXXX pop up and the merchant had taken it down from the site. 

Normally, a reputable, well-designed e-commerce site is clear about any exceptions, or about special categories, such as pop ups. For example, if the goods are part of a pop up, it will say pop up on the product page. That is how other luxury clothing sites use such triggering terms. I cite the example of XXXX, which has a XXXX XXXX XXXX on its site. 

I believe I was deceived by a XXXX word exception-laden refund policy, a badly organized e-commerce site. I am disappointed Capital One has returned my funds to the merchant after originally issuing me a credit, even citing my case as compelling. I returned the goods to the merchant. They offered a credit voucher, which I do not want, or believe is fair. 

My understanding is that disclaimers on goods must appear somewhere on an e-commerce site, at very least, next to the product. The consumer should not have to go to a hyperlink to find important qualifying information, as this merchant requires here. Qualifying information should be prominent ( according to the FCC ). The merchant in this case failed to convey the importance, nature, and relevance of such qualifying information, misleading me into making a purchase I would not have otherwise made. I believe this is deceptive of the merchant, and an abuse of consumer trust. I appreciate your attention to this matter and look forward to your feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sterling has taken a VERY long time to complete my background check for employer " XXXX XXXX. '' This has been a nightmare and has also turned into a violation of the FCRA because they are waiting for public records from a XXXX that I've NEVER even lived in. The violation is wilful non-compliance a wilful injury, because they're the reason of me not being able to work and provide for my family. I have evidence that I NEVER have lived in this XXXX called XXXX XXXX XXXX therefore the background check should have been completed in a timely manner. I intended to sue to the fullest extent of the law under Civil liability Section 's 616-617. The background check has taken over a month to complete and should have NEVER taken this long to complete. I'm keeping track of all this information, correspondence ( I contacted this company muiltpe times ), and timeline for pending lawsuit should this background check not be completed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a statement balance on my account that I made full payment on the statement balance but instead ended up with interest charges. The due date was Saturday XX/XX/2023 which was a Saturday. I made the payment for the full amount on XX/XX/2023. I was never aware that Capital One credit card had any issue with paying after XXXX XXXX XXXXXXXX which other financial institutions I had accounts with never did. First, I was charged late payment fee of {$40.00}, when I actually paid on the payment due date. When I called to challenge their actions the late payment fee was then waived instead of it been reversed. This showed me that this credit card provider was shady and out to extort money from consumers at any opportunity. When I logged into my account today, I realized that I have been charged a purchase interest rate of {$110.00} on a purchase balance of {$6700.00} on a 20.49 % APR. So I called again to ask why I was been charged that interest and the reason given was because my payment was late. This is so annoying knowing that I submitted payment for the full statement balance on the due date, and after making such huge payment on time of {$9200.00} statement balance to avoid the interest, I was still charged interest, showing how insensitive and mean this company is to rob a customer of their hard earned money in this time of difficulties that all Americans are trying to make ends meet. I am aware of people that are not even able to make minimum payments and with all effort to make full payment on time this is happening.

Company response to consumer: Closed with explanation