BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My wife and I use The VENMO app owned by Paypal Inc. XX/XX/XXXX my wife XXXX had her Venmo acct frozen. 
she called Venmo and they said problem with our XXXX XXXX Bank. She called them and they said it was a VENMO issue. She called Venmo back and they said it was an issue with my Venmo acct. My account was then Frozen and we both started communicating with what we thought was a VENMO Tech team. 

They told us that our IP address was on several servers around the world and before we could use VENMO again we had to get our IP address off these bad servers. In order to do this we needed to combine all our Money that was in our XXXX XXXX accounts into one account and wire it to a Bot to hold money safe temporarily while they got access and cleared the severs of our IP address. 

We also had to XXXX money to a made up person to gain some type of temporary access in order to do this work. 

We made two wire transfers and 3 XXXX transfers. The wire transfer were done on XX/XX/XXXX {$20000.00} and XX/XX/XXXX for {$21000.00} to bots as well as 3 XXXX transfers. The money was supposed to come back to us in 3 days. Before we agreed to transfer money I had them send me photo VENMO ID Badges and they gave me two VENMO receipts for the two wire transfers. There was no reason to think this was a scam because both our VENMO accounts were frozen and we had dialed the VENMO number and had receipts for the money. 

On XX/XX/XXXX the day after the 2nd wire I tried to contact VENMO through a chat and we were cut off, then the next day did a chat again and I sent them Screen shots of the Two IDs card, wire transfers and Bot addresses of sent money. I ask them for help and wanted to know if this was fraud. They still have not told us the answer. 

I started getting concerned and decided to contact VENMO in a chat and they said our case had been pushed to a higher level and that seemed reasonable to me. I sent about two dozen emails to VENMO pleading with them to tell us if these people worked for them. I did not get any answer but it would be 7 days to 21 days before they would respond to my plea for help. On XX/XX/XXXX we finally went to XXXX XXXX Bank and they told us this was not fraud to them and all they could do is a recall for the two wires. We still have not heard what has happened to the recall. 

We believe VENMO is responsible and are asking for them to return our life savings to us. We are both XXXX years old took reasonable steps to identify these people working for VENMO and when I sent screen shots and pleaded for help they ignored us. We also feel that XXXX XXXX has some responsibility to help us with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Transunion allows fraudulent and inaccurate information to be furnished about my person. 
The following accounts are inaccurate : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : All late payments are incorrect.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is completely inaccurate. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a charge of {$11.00} on my XXXX statement due XX/XX/23 for a purchase made in XXXX I got busy and forgot to pay it on time. I called today to make the payment. At first the phone / computer said I owed {$11.00}. I went online to pay it. There, the balance was stated as {$24.00} : - my purchase {$1100.00} - interest : {$2.00} - late fee : {$1100.00}!!!!!!! 
How can a company justify DOUBLING a charge in one month? 

I contacted Lowes and they credited the additional {$1100.00} so in a sense it has been resolved. However my complaint is still valid because double an amount due for being 24 days late on a payment is USURY! 

When I spoke to an agent of Synchrony Bank ( who handles the credit card for Lowes ), she said this was the normal practice and " understood '' my upset but wasn't going to do anything about it. Of course the agent doesn't make policy. It is the executives of the bank who are at fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I mailed a {$1600.00} ( title agency ) check to comenity bank to pay off my XXXX  XXXX  account. At that time I wasnt aware that XXXX had switched from comenity to XXXX  XXXX. When I realized that XXXX had switch companies I called comenity immediately to let them know what happened. Comenity reassured me that when they received the money they would immediately forward it to XXXX  XXXX. I kept checking the status with both companies. Both companies told me they neither of them have received the money. I then reached out to the title company to see if the check had cleared yet. The title company that issued the check said yes, that the check was cashed by Comenity bank on XXXX and sent me a copy of the cleared check. I called comenity and they said they never received the money but if they did it would have been sent over to XXXX  XXXX and that I should check with them ( XXXX XXXX ) I have called and checked with XXXX  XXXX and they dont show any record of comenity forwarding the money to them. I keep calling and reaching out to both companies and no one know where the {$1600.00}. I have been told by both companies that neither of them have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 
XXXX has me at a credit score over 710. Transunion has me at a score around 660. That is a huge difference. Transunion paints me as a Bum. XXXX say I have good credit. What the heck is going on here. 
Have have almost no debt. ( I prefer debits cards. ) I have a perfect repayment record. 
I have very low credit utilization. 
I have XXXX negative credit items outstanding. 
I have modest but ok income. Social Security. 
Something is wrong with Transunion. I do not understand why they are abusing consumers. 
I did try to get a " free '' credit report from Transunion. This was a fist step towards attempting resolution. They charged me XXXX without my authorization. They refused or were unable to refund. I had to reverse the payment through the credit card company. That was after attempting to contact Transunion more than 10 times. 
Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Capital One account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated 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 law for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2021 I received a new U.S. Bank ReliaCard, which I did not apply for. I have not activated the card. Unfortunately, I shredded the card without writing down the card number. I do have the sheet of paper that The card was attached to, and it has a bar code above my name and address, plus a 15 digit number : XXXX XXXX XXXX I have tried to reach a person at U.S. Bank but they are not taking calls about their ReliaCard right now. Without the card number I have no way to cancel this card except for not activating it. 

I do not understand how this card could be used fraudulently by whoever initiated a request for it. However, XXXX presents vague information about people trying to get undeserved federal Covid payments. Not knowing what information was used to apply for the card, I am concerned about 'identity theft '.

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 2021-02-26
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX( Loancare ) is mortgage company, loan # XXXX, under name of XXXX XXXX XXXX XXXX. the problem is can not communicate with them, no one to talk to, are asking for late charges when payments are made 3 to 4 weeks in advance of payment date. Their statements to us are received after due date, we are using old statements & correcting the date. Just received statement today indicating we owe for two months, which we don't, but can't talk to anyone, only computer prompts. # 's to contact us at 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 2022-10-21
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I opened an online account with Chime. They asked for my Debit card number. They allowed me to transfer {$5.00} immediately as a test. It worked. My daughter sent me {$270.00} on Chime. I tried to transfer it to my checking account. They asked for my routing number and my account number. I gave it to them. But, when I tried to transfer my money from Chime, they said I must get their debit card then. Do, I did. I opened the card. I transferred the money from Chime to my banking checking account. It said I would get the money in 3 days. Today is the third day and Chime now says they cant help me. I will simply have to wait for the money. Instant transfer of {$5.00} first. Instant transfer of {$270.00} onto my Chime account from my daughter. But I can not get my money without them having my routing and account number, having to open their Debit card that I NEVER asked for, and waiting almost a week to get my money ( they now say I should have my money by next Tuesday ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: OH
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
this account is fraud i reported it to them multiple times and stiil have not gotten a response and they have not fixed it yet its been 2 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 2020-02-28
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Trans Union has failed to generate accurate credit records and account information to provide me an accurate credit score and report. This failure by TransUnion has caused denial of credit and difficulties establishing lines of credit because of this problem

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 2023-06-06
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX XXXX U.S.C, 1681section 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 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Southwest Credit Systems, L.P.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a collections notice by mail from Southwest Credit ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ; XXXX ) for a bill of {$170.00} that it alleged I had not paid to XXXX in XXXX of XXXX. 

I called the above number to inquire what the debt was for and why XXXX and/or Southwest Credit had waited more than two years to seek to collect it. I also asked why no one had tried to call or email me earlier. The Southwest Credit employee told me she didn't know what services I had allegedly received, nor why XXXX never contacted me. She could not tell me when her company had purchased the debt from XXXX. In short, all she knew was that I owed {$170.00}. She said that my choices were to pay {$87.00} as an " offered amount '' or have my credit harmed. ( For context my credit is XXXX and I've never failed to pay a debt. ) I checked my records and thankfully found email proof that I had cancelled my XXXX account and settled all outstanding charges in XXXX of XXXX. I asked why Southwest Credit was seeking to collect the fictitious debt. She said the issue would " probably go away '' and they would confirm their letter was an error. 

Approximately three months have elapsed and I have not heard from Southwest Credit. I am seeking two things : 1 ) An apology for their having tried to strong arm me into paying a bogus debt ( about which they had virtually no detail and had made no attempt to verify ) ; and 2 ) Written confirmation that Southwest Credit considers this matter closed. 

Many thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with XXXX XXXX for XXXX. Now Midland credit management has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. Midland credit Managment has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
Transunion is providing inaccurate accounts on my consumer credit profile. The company has refused to provide me with their investigation process. By law the company is required to investigate anything that is furnished on my credit report. I have asked multiple times to provide me what method and or methods were used to investigate these accounts, and how did the company come to the conclusion that these accounts are accurate? The company is using an elaborate mechanism to do their work and is unfair and undermining my due diligence to extend credit. The CFPB recently released an article in detail that proves this company has not properly handled consumer 's disputes because proper investigations were conducted extensively. With Transunion 's misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to tis information being furnished and this infringes upon my rights to privacy. I am demanding this information to be deleted permanently or I will escalate this and hold Transunion personally liable for their deception.

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