BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So its my understanding that Wells Fargo has done some shady things in XXXX of 2022 they closed my account because they think Im at risk and I told them I had a XXXX and they still denied me to have my account back I mistakenly reported some charges that I did no intend to do that it was childish of me to do that but I begged them to keep my account active they chose not to have me on their account as I had multiple complaints on the account from the fraudulent charges from XXXX XXXX that was closed I tried to explain the situation to the representative that I had a XXXX and they didnt care to have to listen to what I had to say my father passed away back in XXXX of last year and I tried to explain to them I was going through a hardship with my father already dead and wanted to take those reported charges off because I have a XXXX XXXXXXXX and it was totally handled unprofessionally I really would like some relief for them closing my account for their behavior towards me Wells Fargo could have handled it better it was an honest mistake for reporting the charges on accident and they still didnt care that I had a XXXX and handled it the wrong way I would like to have a relief check to compensated me for all this chaos and I have turned in a mediation request form and Im still waiting for a reply or a response Im hoping some one will call me sometime this week to discuss this matter I have a XXXX XXXX called XXXX and have had a rough time with coping with things I been with Wells Fargo for 9 years until things got messed up and now that Im hearing that Wells Fargo got in trouble again for closing peoples accounts in an sec complaint and thats totally wrong very wrong I was in the same situation before and nothing was done or handled properly so Im hoping for a compensation check my old account number is XXXX Im very upset how Wells Fargo treated a XXXX man very wrong the federal court stuff is all over I just want some compensation for the trouble they gave me and hurt my feelings by closing my account Im not to happy with all that and the court stuff is dismissed so we need to take care of this matter soon thanks

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 2021-06-09
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:
The following is incorrect with Transunion : 1. Incorrectly reported a high balance with XXXX XXXX XXXX  from XXXX and from XX/XX/XXXX XXXX. 
2. Incorrectly reported a high balance with XXXX on XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. 
3. Incorrectly reported a high balance with XXXX  XXXX  from XXXX 4. Disconnected from phone call with Transunion. 
5. Transferred to Transunion employees in XXXX which provided conflicting customer service answers to questions.

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 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Long story short, I used XXXX XXXX when I lived in TX. They abruptly raised my rates significantly and I called in to dispute some outrageous bills that were set on autopay. I spoke with their rep XXXX to get things fixed with the rate increase and credit the account. What she said she was going to do never happened, I changed service contracts and negotiated the balance due via email and phone calls. I agreed to pay the amount of around XXXX back in XX/XX/ and ask for an invoice to be sent with that final amount so I could pay. I got no invoice and no response, I followed up again weeks later about not receiving anything yet and if there was no response I would consider the matter closed. Never heard from them again until.. I tried to get a business loan and for the first time a collections amount of about XXXX dollars or so shows up from XXXX. I immediately reached back out to XXXX vie email and phone, and complained to the XXXX  because of their A+ rating I knew I would get a call back. XXXX did. XXXX was not able to offer any assistance but another rep that dealt with XXXX complaints stepped in and took blame and offered to credit the account and remove the negative credit remark from my credit. This remark is still on my account after several attempts with both XXXX and Equafax to get this item removed. Equafax allowing them to report and keeping the late payment on my credit is insane. I can only ever talk to someone at Equafax that misreports my dispute and wont allow to talk to anyone directly about this dispute. No I have a XXXX dollar charge off balance and a late payment. Both are making my score less than XXXX which is needed for my XXXX XXXX approval. This has taken moths of waiting for credit updates from XXXX ( which they have now sent multiple times ) and my score to change. I am not reopening this dispute because both the late payment and charge off are still on report and keeping my score lower than it should be. I take pride in paying my bills in time with this being the only delinquency on my credit. I need help to get this dealt with ASAP! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX I received my tax return from the IRS and on XX/XX/XXXX i got an email saying that my account was suspended and to send my ID so they could verify my identity. I did that, then a day or 2 later I get and email saying, thank you for sending your ID but we have permanently XXXX your account and will hold the funds for 180 days! No reason, no explanation just said a user agreement violation. I have sent them pictures of my ID, me holding my ID and proof that the deposit id from my tax refund. I get another email XX/XX/XXXX saying not to reach back out they will not answer any further questions. I have no idea what I did besides send some money to my nieces on Venmo to their accounts. I just want my money released. This has put me in a very very bad living situation financially. That money is all that i have. I have attached the same documents I sent to Venmo when they banned me! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, On XX/XX/21 I send a case to Coinbase to flag some unauthorized transactions on my account. My account was disabled and I was told it would be resolved in 10 business days. I have followed up multiple times since then because I can not access any of my cryptocurrency accounts in this time. The last response was on XX/XX/21 saying my case would be resolved in 4-5 business days. I have followed up since then because the case is not resolved and my account is still disabled but I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/21 I 1st reached out for assistance options & eventually COVID relief ( never received ) with an upcoming secondary mortgage balloon payment of {$5800.00} that, due to work & COVID related hardships, I wouldn't be able to pay by the deadline. What followed was a documented & verifiable pattern of neglect & incompetence exhibited by Citizens bank including two relationship managers that resulted in a 5+ month duration to resolve a simple loan modification, all while Citizens was reporting missed payments. The neglect and incompetence included but was not limited to ; 1 ). Claims of missing documentation. This was verifiably untrue via upload history on their upload portal. It was also contradicted by 2 different Citizens empolyees on 2 different status check phone calls. Documents ended up having to be uploaded at least twice via the portal and at least once via email ( also verifiable ). 2 ). Excessive time in reviewing my information. Ex. I ended up having to upload new paystubs because it took them so long to review the 1st upload. I have logged over 17 phone calls lasting more than 4 hours and 49 minutes, mostly outgoing to follow up on their progress. I have a detailed timeline to further demonstrate this upon request. 3 ). After multiple follow ups on my part and assurances that everything was fine, my request for assistance was closed without warning. This required restarting from scratch in that all applications & documentation had to be filled out again and re-uploaded. And again, claims of missing documentation were made. Also again, verifiably false. 4 ). Required to have post-approval documentation notarized twice, 36 days apart due to 'notary error '. As it turns out, this was untrue as the finalized documents I received back were from the first notarization. For context, I initated a loan modification request with XXXX XXXX, the primary mortgage holder, over a month after speaking with Citizens the first time and they were able to accomplish this in less than 60 days. I also attempted a good faith payment early in this process, around late XXXX, while waiting for Citizens to process the documentation in order to avoid derogatory reporting on an otherwise nearly pristine payment history for this account. Citizens would not accept payment and sent back the {$76.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-12-12
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:
I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

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 non-monetary relief
Consumer complaint received 2023-08-27
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : Monejane I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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 called XXXX/Equifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment 01/22 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with Equifax who have admitted that my information has been compromised in their latest security breach. None of Equifax, XXXX or XXXX XXXX website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX XXXX XXXX we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation