BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/22 I opened an account with Venmo after making the mistake of believing I needed to use one to use XXXX XXXX After realizing my error I proceeded to leave the account alone entirely. As I had no further use for it. No transactions were made, no withdrawals, and no balance owed ; overdraft, due, or otherwise. 

I heard nothing from Venmo over the weekend and came to find later their office hours are closed. As this did not really matter in the moment due to my lack of interest in the account I went on my way and continued my weekend. On XX/XX/22 I received an email from them asking about connecting a method to withdraw money or add money in an email, and then an hour after this email I was informed my account was 'frozen due to recent activity that appears to have violated the User Agreement. ' This is false, as I had not even used the application or done anything in it to warrant a violation to begin with. 

No purchases made. 
No withdrawals or money requests. 
No accounts hooked to the Venmo ; banking, credit or debit from any institution No breach of an account I did not own. 
No duplicate accounts. 
Nothing. 

I read through their User Agreement and found myself in no form of violation to their terms at all. My account was also verified by their app which means they approved my Name / DoB / SSN / Address, City, & State as all being valid and toward me. Yet the email told me that with my account frozen I would be able to reactivate it if I sent them a copy of my photo ID unexpired. 

I do not feel comfortable with this at all. I never used the platform only signed up for it, they are requesting more of my identification despite their app verifying me, and after speaking to their correspondence on the matter I am stuck waiting for 7-10 day turn around for an answer. This is also in pair with the fact that an account can not be closed if it is frozen. A little history and research on Venmo will show this is a common practice of theirs and for some also is a means of their money being held in a 180 day limbo. Fortunately I have nothing invested in them and only want my account closed. 

The Pandemic also makes it impossible to get properly updated identification without an appointment and appointments are swamped with the higher rising cases. I want nothing to do with Venmo and informed them of such when I reached back out via email. Since I never utilized the account for any purpose, I would like the account unfrozen and closed. If I decide at a later date I want to open a Venmo account then sure, I will do so, but that is not likely considering their customer service and refusal to work with me to resolve such a simple matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BMO savings/checking account had several transfers going in and an ACH had processed for XXXX. The debit processed and posted, leaving account temporarily at a negative. The receiving merchant, XXXX XXXX XXXX, recorded the payment. No chargebacks or requests were filed on my end or merchant. 2 days later, as deposits were starting to post, the {$420.00} was posted BACK to acct and hold. I sent a detailed message to BMO regarding incoming transfers and the overdraft and asked why that payment had been rescinded. XXXX XXXX XXXX corporate office had the payment as POSTED and current. Their app showed now the acct was past due, even though the corporate office showed payment. XXXX XXXX XXXX forwarded the notice by me to their appropriate department with investigation # XXXX. I have been a timely paying customer for 5 years. This problem occurred when I switched to XXXX in order to attach bank to a family trust. I never heard back from BMO. 12hrs after I messaged in detail about why funds were being pulled back after posting, the BMO acct was closed without notice, with deposits in it. I immediately had my main bank cancel ALL out going transfers that had not posted. Unlinked BMO. Now I have pending transfers stuck in limbo. BMO never responded, answered my concern and notice. Just made the acct unaccessible and closed with money in it. XXXX XXXX XXXXXXXX never requested a return. I didn't request a return or dispute. I also had another utility payment sent back during this time. This caused merchant acct to go past due end of week after original payment, though overdrawn at the time, posted complete.

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 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX, 11 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 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

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 2023-02-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An insurance policy under XXXX was opened under my name starting XX/XX/XXXX and cancelled XX/XX/XXXX for non payment on a XXXX XXXX XXXX of which I have never owned. Policy # XXXX under address XXXX XXXX XXXXt XXXX XXXX, XXXX TX  XXXX which I have never lived at. The non payment debt owed is {$480.00}, and I was contacted by 'Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX. ( XXXX ) XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
American FIrst FInance - ( XXXX ) XXXX There are recordings of me making payment arrangements and they continuously keep taking out more than agreed upon. I advised them that I was reporting them for continually pulling out more money than agreed upon. I have stopped paying them due to them constantly compromising my banking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit  bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.

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 2018-03-15
Company: NATIONSTAR MORTGAGE LLC
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 status incorrect

Complaint:
As of today, XX/XX/XXXX, NationStar Mortgage now doing business as Mr. Cooper, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! NationStar was just ordered to pay {$1.00} million in penalties, and they still have not corrected the issue the were penalized for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}

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 2019-10-24
Company: Experian Information Solutions 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:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2019-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is reporting XXXX XXXX XXXX which is reporting a debt that is not from credit or a debt that is owed. This is not an item that belongs on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: WAKEFIELD & ASSOCIATES, 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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
second request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
unfortunately for me I've had three separate FTC reports filed for fraud in the past year regarding the my chime account 7 XXXX XXXX charges have yet to be credited I'm in the process of finding disputes temporary provisional credit has not been issued notifying their claim to 100 % And guarantees and honoring visas policy as well. Because time does not fancy itself a bank doesn't change the violation of its own policy and advertising that policy that we are somehow protected by visa when using their card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was taken a look at my XXXX XXXX report and I see I have a collection debt account for {$470.00} from TRANSWORLD SYSTEMS for XXXX XXXX XXXX I have no knowledge of this company account with TRANSWORLD SYSTEMS for XXXX XXXX XXXX taken in XX/XX/2016 This is the only collection on my credit report and I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made contact with this collection agency by phone and they refused to disclose the details of the alleged debt. In a recent phone conversation the implication from the IQ Data collection agent was that I knew that I owed this money to XXXX XXXX   and they didnt owe me an explanation. I asserted to the agent that under the law they did owe me an explanation. At that time he relented and provided a contact address to make a written request for the documents they are claiming to be proof of the debt. I also requested copies of any and all correspondence sent to me regarding disputing the debt prior to them reporting it to the credit bureaus. If they try to produce bogus correspondence, I will request that metadata be subpoenaed if I have to take this collection agency to court down the line. I know for fact that this collection agency NEVER contacted me about disputing the alleged debt prior to reporting it to collection. I never had the opportunity to fairly dispute this and thats a violation of the fair credit reporting act. 
I vacated the XXXX XXXX XX/XX/XXXX shortly thereafter IQ Data purchased this alleged debt and reported to the credit bureaus in XX/XX/XXXX. I was not contacted between XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX or IQ Data International. I have no idea what this alleged debt is. In recent months I have made verbal request for this information to no avail to both IQ Data and XXXX XXXX. I have made written request to XXXX XXXX. I mailed the attached letter today, XX/XX/XXXX to IQ Data International to the following address : XXXX XXXX XXXX, XXXX WA XXXX, the address I was given by the very rude condescending collection agent that told me he didnt care if my credit report was ruined by this false fraudulent reporting. This people are awful. Predatory, preying on low income people trying to extort them for money. Relying on the fact that most people dont know their rights and will simply pay. That will not happen here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX  report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-10-24
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:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 vears. 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violate my rights numerous of times I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account : XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation