BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i went to bank of america so deposit my check of XXXX the teller advice me not all the funds were going to be available but {$200.00} XXXX on the XXXX and the remaining balance on the XXXX i have the printed receipt of the stating the dates, i then check my on line account and verify the funds and seen that the my check was now on hold until the XXXX and now i check my account again and my funds are held until the XXXX of the month i called spoke to teller and supervisor and manager and a simple " sorry '' will not buy me groceries for my and my child never the less pay my rent or my car payment and other bills, i work hard for my money .... i also spoke to a manager from the branch were i originally open my account and she stated my checks will not be held, i trusted them now im completely in a hole with my bills because a teller gave me false information i was misguided by a bank of america teller and i have to pay the consequences of been served a 3 day notice to quit because i have not paid my rent i need help please help me this is not fair why is bank of america discriminating me misguiding me and giving me false 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 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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

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 2023-01-11
Company: Deutsche Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I originally sent this complaint to The Federal Reserve Consumer Help. They advised that I contact the Consumer Financial Protection Bureau. 
Institution Name : Deutsche Bank Trust Company Americas Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Individual Originally Contacted Regarding My Complaint - XXXX XXXX XXXX XXXX Complaint : I wrote a letter to XXXX. XXXX XXXX XXXX for help in opening an account with Deutsche Bank with {$14000.00} XXXX XXXX issued in Traveler 's Checks. I mailed the letter via certified return mail receipt. I mailed the letter on or around XX/XX/2022. I received written confirmation of the receipt of my letter XX/XX/2022. I have yet to hear from Deutsche Bank Trust Company Americas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: NV
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 wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken 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 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is the oldest credit account that I have. I have not used it in a while after having an increase denied. I've kept the account open as a backup and to not negatively effect my overall revolving credit availability. I received an email yesterday that my account was closed due to inactivity. It referenced a notice I was recently sent warning of this occurring. I didn't recall receiving anything. I searched my email, and found a message from XXXX that started with " You have Rewards ... '' so I must have overlooked it and moved on to another email. I operate a number of different businesses and see a lot of emails. I'm not even confident this ended up in my inbox instead of a junk or promotional email folder, but the point is I never saw it, and this was the only attempt to warn me of the account closing. Now my length of credit account and overall revolving credit amount will be negatively effected, which will in turn negatively effect my credit score. A message about account closure should not have been combined with a message about awards ; more than one attempt should have been made to warn me about this possible action ; there should be verification that I received the notice rather than assuming it's been received just because it was sent. I effectively received no notice because the message I did not see the contents of the email about account closure, and now my credit will be negatively effect. I also apparently lost {$320.00} in cash back awards, but I would just prefer the account remains open to reflect the long credit history and credit limit of the account. I tried to call customer service but they say they gave me notice and can't re-open the account. If this is true, there should absolutley be better communication, more of it, and verification. Important notices for other things, like subpoenas or other legal notices, need to be sent certified mail to verify receipt. Some sort of hyperlink to confirm the message had been received does not seem like a stretch of capabilities and for something this serious, there should be some sort of verification and multiple attempts to avoid, not nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I incurred an unauthorized transaction from XXXX XXXX, XXXX. There have been several big leaks on account emails and passwords from the company XXXX XXXX, my first account was compromised at the same time and i presume used by an individual to filter money to themselves. Automatic Payment for {$110.00} Paid with XXXX  XXXX XXXX, XXXX. Account Number : XXXX. 
The Transaction ID for the purchase was : XXXX, from pay-pal, and Seller info XXXX XXXX, XXXX Invoice ID XXXX Total {$110.00}, Recipient email : XXXX. 

PayPal sent me an email saying that, " The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' So of course i have used the service before and i have made purchases from the website itself, but the person that hacked into the account made an unauthorized fraudulent purchase from my account. The website is used by freelancers and partners to sell subscriptions, tips, and other services from which XXXX XXXX takes a cut. 

Now because my claim has been denied my current debit and credit accounts stand with negative balances, these fees jumped from my debit to my credit card ( Plus Mastercard - XXXX ) : XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION - TRANSACTION FEE Type Fees {$12.00} {$130.00} Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX Type Bank Transaction {$100.00} {$110.00} I also had to cancel my pay pal credit account in fears that then that account could also incur fraudulent charges. PayPal will also not allow me to detach my debit account from their website, so maybe i will also have to close that account down. From what i read online is that i am not the only one in the same boat. 

" Safe & Easy Way to Pay. Get Started Today. " -PayPal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my rights by UPSTART NETWORK , INC. on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections1637 ( a ) ( 5 ) ,1637 ( a ) ( 6 ) ,1637 ( a ) ( 7 ) ,1637 ( b ) ( 1 ) ,1637 ( b ) ( 2 ) ,1637 ( b ) ( 3 ) ,1637 ( b ) ( 8 ), and1637 ( b ) ( 10 ) of this title, the termcreditorshall also includecard issuerswhether or not the amount due is payable by agreement in more than four installments or the payment of afinance chargeis or may be required, and the XXXX, by regulation, apply these requirements to suchcard issuers, to the extent appropriate, even though the requirements are by their terms applicable only tocreditorsoffering open-endcreditplans. UPSTART NETWORK, INC. was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Leading Act by UPSTART NEWTWORK, INC. via electronic mail. I got denied of my rights because We were unable to verify your ability to repay back the loan based on your current obligations and income. In which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8.According to 15 USC 1602 definitions of The Truth in Leading Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART NETWORK, INC. adverse action take against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). UPSTART NETWORK , INC. is now civilly liable to pay me for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Chime Financial Inc
State: MA
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:
XX/XX/XXXX : Chime e-mails me that there's a new login to my account. I never had a Chime account and this is news to me! 
XX/XX/XXXX : Chime CEO, XXXX, e-mails to congratulate me on my new account. 
XX/XX/XXXX : Chime e-mails me that direct deposit has been set up for my account. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
XX/XX/XXXX : Chime e-mails that I'll get a bright green envelope with a new Visa card soon. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
Chime e-mails again on XXXX, XXXX, XX/XX/XXXX. 
XX/XX/XXXX : the Chime Visa card arrives XX/XX/XXXX : Chime e-mails me that there's a new login to my account from XXXX, PA, USA, on an " XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
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:
This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent. 
There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported. 
Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXX XXXXXXXX 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 Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge offs setf XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken 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 explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
LVNV FundingXXXX XXXX XXXX received a refusal to pay dispute on my behalf via certified mail on XX/XX/2023, at XXXX XXXX. Since I've received an identical validation letter that I will attach that violates 15 USC 1692e 807. False or misleading representations 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I also will attach screenshots from my XXXX and XXXX consumer reports that LVNV FundingXXXX XXXX Has Failed to communicate that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MARCUS FROM GOLDMAN SACHS DELAYING ON MAKING A TRANSFER OUT FROM SAVINGS ACCOUNT Having opened a savings account with Marcus from Goldman Sachs without any fixed-term deposit periods, I attempted to transfer money out to my different institution checking account after close to 3 months. 
The first transfer request of {$3000.00} was made on XX/XX/XXXX through online banking with a 1-3 business day wait. 
This transfer was reversed on XX/XX/XXXX, but without any notification. 
Logging on on XX/XX/XXXX, seeing it was reversed I used the online " chat '' function to learn the error was mine, I had initiated a transfer to an account that I had closed. 
On XX/XX/XXXX, I linked a new external account to Marcus ( my personal checking account with the same external institution as prior ) initiated a transfer request for {$4000.00}. 
On XX/XX/XXXX, I received a phone call from an agent at Marcus, who wanted to know before she could authorize the transfer, what my savings goals were, and what the funds were being used for ( purchase, vacation ), as I had not had the account open for very long. This was not a money laundering security question. The agent confirmed the transfer and that it would take 1-3 business days. 
On XX/XX/XXXX, noticing the funds were not in the external institution account, I checked on the transfer by logging in to Marcus and saw that the transfer had been reversed on XX/XX/XXXX without explanation. I used the online chat function to be told I needed to call. I called Marcus, and it took the agent 45 minutes to ascertain that the transfer had not been initiated because my account needed a review, which could take 2-3 business days. If I had not heard from them in that time to give a call back. At this point it just appeared that Marcus did not want to make the transfer. Alternatively, the agent said she could send a check that could take 7-10 business days to arrive. I did not trust the institution to do this, but it appeared to be another delaying tactic for making the transfer. 
However, on this same call of XX/XX/XXXX, I therefore asked for the account to be closed. I was told that the account will be closed today, and a check with interest would be issued and take 7-10 business days to arrive. I have not, as yet, receive any notification by email that the account has been closed, and it is still available to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation