BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2021-12-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have Complanits about citi cards. They are lying they said card was closed cause grantor closed the account and they have issued new card number on my name without my authorization. I didnt request the card but citi credit cards issue new number on already closed account. Its illegal how citi cards are issuing new card on closed account and second of all I didnt request for new number but they are going crazy and issued illegal new card number on my name and the closed account they have balance and they are trucking with me pay {$3100.00} dollars but balance on the card they said {$7100.00} and they admitted the cards has been compromised but they say pay half on closed compromised account and they kept threading me. XXXX credit bureaus have investigated and they remove from my account but on third times Investigastion XXXX found out they are doing illegal and harassment and first two times citi cards lied to XXXX and then XXXX found out how come they can issue new card number and closed account. But citi credit cards have been lying to them and lied to you too. I had submitted with cf means your federal consumer agency but they dont stop but XXXX have completed the investigation and removed them from my credit report but they kept sending me fake new tricks to get money from me please help me thanks God bless you

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 2017-10-03
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: DriveTime
State: IN
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:
I just noticed a hard credit inquiry from DT Credit XXXX XX/XX/2022. There was no direct benefit or authorization for DT Credit to access my personal information.

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 2019-12-13
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019 PayPal put a temporary limitation on my account after I received dividend payments into my account. I was asked to provide personal info : Drivers License, Bank Statements, reason for transaction. They informed me they would review the statements and lift the limitation and allow me access to my money within 5 business days. Today it has been 10 business days and the limitation has not been lifted and no response from them on reason why. I have called several times to Customer Service and they can not tell me why. To withhold someone's money that does not belong to you constitutes fraud. I need my money to pay bills. I need my money released. PayPal does not own this money to withhold it they are a payment service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: Crown Holdings, LLC
State: MO
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:
XXXX XXXX  company repeatedly reported a debt I did not owe on my credit report. I called XXXX and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XXXXXX/XX/XXXX. After several disputes it was finally removed. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion XXXX XXXX were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information.

to 3rd parties like credit bureaus or anyone for that matter. Many people have even called.

the courthouses to receive that information and knowledge.

that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information.

So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.

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 2019-12-14
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:
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. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX , XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
ON XX/XX/2023, I SENT AN INTERNATIONAL WIRE FROM MY XXXX XXXX ACCOUNT WITH BANK OF AMERICA TO AN OVERSEAS CUSTOMER FOR THE AMOUNT OF {$11.00} XXXX. 

THE WIRE WAS BLOCKED BY BANK OF AMERICA XXXX BANK ( XXXX XXXX  ) FOR COMPLIANCE REASONS. 

THE WIRE WAS EVENTUALLY CANCELED AND TO BE RETURNED TO ME AS THE SENDER. INITIALLY, THE REFUND WAS EXPECTED TO OCCUR WITHIN 3 TO 5 BUSINESS DAYS. 3 MONTHS LATER, THAT HAS NOT HAPPENED. 

INSTEAD, BANK OF AMERICA IS UNABLE TO GIVE ME ESTIMATED TIME OF ARRIVAL ON RETURNING THE FUNDS. FURTHERMORE, BANK OF AMERICA JUSTIFIES THE DELAY EACH TIME I CALL THEIR SUPPORT LINE BUT REFUSES TO SHARE ANYTHING IN WRITING AS FAR AS THE STATUS OF THE WIRE. 

AT THIS TIME, I HAVE NO IDEA WHEN THE FUNDS WILL BE RETURNED TO ME. THIS IS CREATING A LOT OF HARDSHIP FOR ME AS THE AMOUNT CEASED IS CONSIDERABLE.

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 2019-12-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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. 
A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. 
Thank you for your assistance.

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 2021-04-03
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good morning. I sent money through ZELLE but the person changed the phone number. How can I change the number or cancel the transaction to correct it? Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021 XXXX AM, Chrysler Capital tried to contact me as shown on screenshot in the attachments, after receiving my Cease and Desist Letter pursuant to 15 USC 1692c ( c ) which clearly states " ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligation

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 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is not reporting correctly again. They just changed my account for XXXX XXXX to 30 days past due XX/XX/XXXX and XX/XX/XXXX and both of those payments were correct. I have all information documented with payments and amounts. I filed a complaint and dispute about XX/XX/XXXX and XX/XX/XXXX and then Transunion responded from XXXX dates which was not even in question and fixed last year. 

The only past 30 from XXXX XXXX was XX/XX/XXXX payment. Which was paid and XXXX and XXXX were on time and account current then which I have given specific proof on. So instead of deleting the XX/XX/XXXX past 30 days they changed and made XX/XX/XXXX and XX/XX/XXXX as current but then posted that XX/XX/XXXX and XX/XX/XXXX payment past 30 days which were not at all. I spoke with XXXX XXXX at XXXX XXXX and transunion and XXXX XXXX need to be held accountable for incorrect reporting which just dropped my score 22 pts and is FALSE REPORTING I am getting sick of XXXX and Transunion not fixing the issue. I have zero other past dues on anything on my credit report and have had so many issues with Transunion not fixing and wasting my time. I will seeking legal action if not fixed in next 20 days to correct and Current for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and they also report incorrect balance and loan is current for XXXX XXXX payment due which I have paid online already/

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 2021-12-10
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email that a Netspend XXXX was opened using my email address. I called the company because I did not open this account. They promptly closed it and advised me to contact the federal trade commission.

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 2017-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation