BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Sat. XX/XX/2022, I recieved {$300.00} from a friend on her Venmo account to my Venmo account. I then attempted to transfer that amount to my bank account and my account was frozen. I recieved an email saying that my account was frozen for suspicious activity and that I would recieve another email explaining why and what to do to solve it. It is now XX/XX/XXXX and I still have not recieved any further emails giving me an explination or instructions to resolve this matter. I have called venmo twice on XXXX XXXX as well as using their chat and sending an email. I was told on Saturday XXXX XXXX that a specialist needs to review the case and they only work Monday-Friday and they are the only people who have access to any of the information. I was also informed that they can not be reached by phone and I could not have their direct email. I was told I would recieve an email in between 7 to 21 business days with more information. I asked if the transfer could just be canceled and returned to the sender and I was told that was not possible. I then requested that my account be closed and they said that also was not possible until this matter has been resolved. I again called on XXXX XXXX 2022 and was told that my case had already been escalated and it would take 7-14 buiness days for a specialist to get to my case. I again asked for an explination and was told they had no access to that information and their was nothing they could do and I just had to wait. I requested for my case to be escalated again. 
This is just ridiculous. I believe this is delibertly done so companies and banks can hold on to customers money longer to earn the interest. Interest on a mere {$300.00} for 3 weeks is nothing but if done to just a small fraction of their total transactions for the weekend I'm sure it total amount of " frozen '' accounts is in the millions and thats a whole lot of interest earned in 3 weeks. And there is no reasonable excuse for a company to hold someones money for 7-21 business days without telling them why or instructions on how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: IL
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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 am a victim. of identity theft, please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 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 purpose Respectfully, 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 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}, XXXXXXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00}, XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6700.00}, XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX av XXXX, NY XXXX XXXX Account XXXXXXXX Bank of America  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX ) credit report . My latest credit report sh

ows 1 credit inquiry that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022. I fell victim to a muti-layered scam operation orchestrated by XXXX ( the company ), with the design, development, manufacture, promotion, marketing, distribution and labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. After gaining a substantial amount of profit acquired from the trading transactions, it seems that the funds in the investment platform can not be extracted anymore as instructed by the scammers withdrawal process and was told to wait for a few hours and it will be deposited in my cryptocurrency wallet address, but it never came. It was a very frustrating ordeal since my hard eared money was all gone using their very precise manipulation of the market trading nodes that appear to be a bogus transaction. Money was transferred from my Bank of America account via wire transfer, and through an intermediary cryptocurrency platform XXXX  in the total amount of XXXX USD. ( XXXX successive wire transfers ). I lost my funds due to their misadministration and manipulation. Bank of America failed to protect me, and I failed to meet them halfway after so many tries to get in contact and ask them for help.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was XXXX when I became a victim of identity theft and sin fraud. Since then I have been fighting with several creditors reporting agencies and the government to remove the fraudulent accounts and nothing gets done. I am tired of fighting. I just want to have this done and removed so I can finally live my life.

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 2023-06-05
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX, 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 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: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: MI
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report? 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2019, chatted with company representative asking that my account be closed. Representative indicated that account would be closed within 2-3 business days. On XX/XX/2019, received an automated call indicating my closed account had a negative balance of {$58.00}. Upon logging into my account, I see that company has not closed the account as requested, has charged a monthly maintenance fee of {$25.00}, and has charged the account a {$34.00} overdraft fee.

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 2023-06-05
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXAccount 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 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: Closed with explanation
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: NY
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:
This issue between XXXX XXXX XXXX, Citibank and myself arose before and was resolved via complaint # XXXX as at the time I provided this bureau with the documentary evidence that supported the fact that XXXX XXXX XXXX was at fault and such I should not have been charged, which said information was forwarded to CitiBank. 

See attached letter from CitiBank Notwithstanding Citibank has debit my account for the sum {$210.00} on XX/XX/2023 with the notation being '' Debit Card Purchase XX/XX/XXXX # XXXX REVERSE XXXX XXXX XXXX XXXX XXXX '' Further, I paid my internet bill to my provider XXXX on XX/XX/2023 for {$110.00}, Citibank seems to have opened an investigation regarding this payment as they have credited my account for the said {$110.00} with the notation " debit card adjustment ''. Please note I did not ask them to anything of the sort. 

I am absolutely frustrated with this bank and intend to close my account but before I do so I want you to instruct them to immediately credit my account for the sum of {$210.00} and cancel this " phantom '' inquiry against 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 2021-01-29
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Continental XXXX  deducted my payment of {$620.00} twice from my bank account on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Continental XXXX  to find out what occurred regarding my account. I spoke to XXXX. He did see their error and advised me that I needed to have a three way call with him and XXXX  XXXX XXXX so he could verify that these two payments were deducted from my bank account. The XXXX  XXXX XXXX representative gave him all the information he required over the phone. He stated that my account will be in order by XX/XX/XXXX. 
On XX/XX/XXXX, the account was still not updated. I contacted my bank institution, XXXX  XXXX XXXX to dispute the 2nd payment deducted from my account. 
Claim ID : XXXX. On XX/XX/XXXX, XXXX  XXXX XXXX advised that the dispute was resolved. 
On XX/XX/XXXX, I tried to use my credit card and it was declined. On XX/XX/XXXX, I contacted Continental XXXX, spoke to Customer Service Manager, XXXX who advised me that she updated account to ensure my entire available credit of {$750.00} would be available by XX/XX/XXXX. 
On XX/XX/XXXX, I checked my credit card account online and this issue still was not resolved by Continental XXXX. Called spoke to Customer Service Rep, XXXX who spoke to the Customer Service Manager, XXXX who also advised that she updated my account and that my account would be updated in 30 minutes from that call. Later that day, I checked my account once again, and still the account was not correct. I called back at XXXX XXXX EST and was transferred to Customer Service Manager, XXXX who advised that I needed to fax copies of my bank statement showing the two deductions. She gave me fax number XXXX and XXXX. I did fax the statement to both numbers as she instructed. It did successfully transmit to the first fax number ending XXXX. 
On XX/XX/XXXX, I once again tried to use my credit card and it was declined again. 
On XX/XX/XXXX, I called again and was unable to speak to a representative. I re-faxed my bank statement which also transmitted successfully. 
At this point, I do not know what else I can do to have this company correct this situation for me. I need for Consumer Financial Protection Bureau to intervene on my behalf to assist with correcting this problem. 
Thank you in advance for your prompt attention in this matter.

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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: PA
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:
My credit card company I have had for over 5 years have decreased my balance from XXXX to XXXX without notifying me. 

Upon research I found out it might because of missed payments which I did not miss any. I have proof that I have made my payments on time but they have been returned by the financial institution I was using which is a different bank that did not recognize the transaction. 

I called customer service, explained the situation, had them notating in the account and they still lowered my balance without warning or notification. 

When I called to ask why my available balance was only {$800.00} after I had basically payed off my {$1500.00} balance customer service said they sent me a letter with the reasons, letter I have not even received yet. 

I have to say learning about credit cards and credit score has been a journey. This is something that is not taught in school and one have to learn the ropes by ourselves. I have been studying and learning how to properly utilize my credit cards and now that I am paying my balance off they decide to lower my limit.

This actions not only affect me in my credit score and profile also affect me in the future plans I have of being a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed. 

On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?

Company response to consumer: Closed with explanation