BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXX, I was the victim of telephone fraud. I was emotionally abused and harassed by someone pretending to be XXXX XXXX XXXX who told me if I did not pay the fines over the phone I would be arrested. I was harassed on the phone for hours by multiple people and finally paid the first set of supposed fines of {$2100.00} via Venmo per the scammer 's instruction. I shortly thereafter realized it was a scam and reached out to Venmo immediately to cancel the payment. The representative I spoke with confirmed that the payment went through on their end but instructed me to call my bank and cancel payment. I was concerned that this would not be sufficient since the payment was already made to the individual scamming me and that Venmo would try to come after the payment. They assured me that the best course of action was to cancel payment with my bank immediately since it was a scam and that they would not try and collect the funds from me. I spoke with my bank and they were able to stop the payment. Venmo then reached out to me again on XX/XX/XXXX saying that I owed the payment of {$2100.00} or my account would be taken to collections. I spent hours on the phone with Venmo regarding this with no resolution. It seems as if Venmo is now disregarding their own instructions ( attached in writing ) and instructing that I pay the funds otherwise I will be sent to collections. I believe Venmo should be working directly with the scammer ( since they have their phone number, name and probably some bank details registered with Venmo ). I was then transferred to a Account Specialist via email, you are unable to speak with the Specialists who review these issues over the phone. The Account Specialist continues to tell me to pay the funds to unfreeze my account but completely disregarded their prior instructions and seems to not take into account that this payment was made under fraudulent circumstances. I provided a police report number but they seem to have no interest in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a wooden swing from Wayfair in XXXX XXXX The swing had a one-year warranty from Wayfair. On XXXX XXXX XXXX, I sent Wayfair pictures to show that my wooden swing 's wood had rotten. I shared photos that showed my swing was under the porch and that I had purchased a cover for additional protection. After accepting the photos, Wayfair indicated that my account would be credited for the damaged swing within 5-10 business days. When I checked my Wayfair account ( Citibank ), the credit was not issued. I called Wayfair to inquire why my account had not been credited. I was informed that a credit could not be issued until the dispute I had with Citibank was resolved. I informed Wayfair that I did not have a dispute with Citibank, the Wayfair representative indicated that nothing could be done ; therefore, my Wayfair account had to be sent to an executive resolution specialist. An email from Wayfair, XXXX, executive resolution specialist, was sent to me that read, " This is in regard to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, you will need to contact Citibank regarding your refund. A dispute was entered with the credit card company, and they are holding the money for the transaction. They will provide a refund to you based on the findings of that dispute. '' I called Citibank, the Citibank representative indicated " We are a bank, any refunds must come from Wayfair. '' During the conversation with Citibank, I asked for a XXXX conversation with Wayfair. Wayfair, Citibank and I discussed my refund, and I was told the same thing, that Wayfair could not do anything until the pending dispute was resolved. The Citibank representative told the Wayfair representative that there was no dispute pending. On XXXX XXXX XXXX XXXX, a Wayfair Executive Resolution Specialist finally sent an email that confirmed that the dispute that Wayfair referred to was resolved XXXX XXXX XXXX Even after the email was shared on XXXX XXXX XXXX  I am still going back and forth with Wayfair and Citibank since XX/XX/XXXX, regarding my account being credited. Citibank has added interest, late fees and a negative report to my credit report. Once Wayfair credits my account and the late fees and interests are removed, my account is XXXX. I followed all instructions that were asked by Wayfair and my account still has not be addressed by Wayfair. At this time, I have no swing and I am expected to pay a bill. Please assist, I will share all emails and pictures at your request. Prior to this incident, my credit report was exceptional ; never a late payment of any kind.

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 2022-10-07
Company: EQUIFAX, INC.
State: NC
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 Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. 1. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Please update this account to paying as agreed never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Chime Financial Inc
State: AL
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:
XXXX has been using my information and chime will not refund my money I dont have any business never taken a trip with XXXX I need my XXXX bucks they took off my card and chime and XXXX has declined my complaint when I dont have no business with them its fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Bank has a scheduled sale date even with a pending modification. Illegal. Dual tracking. I have contacted WF numerous times. XX/XX/XXXX was most recent. They would not speak with me. They said that bc there is a pending lawsuit I must speak to their attorney. I do not have not been assigned a single point of contact. XXXX XXXX was, and she sent me a letter dated XX/XX/XXXX to submit all paperwork for load modification review. Which I did. I faxed to the number provided and faxed to XXXX, their attorney. I have emailed and called XXXX for status of review and if file is completed. I sent all requested docs, faxed to his office as well. I emailed and left a voicemail at XXXX with his assistant on XX/XX/XXXX. I requested postponement of sale. have not heard back from anyone. 
On these I emailed XXXX asking if the mod package was complete. He did not respond to this date. I also called Wells Fargo on these date and they said talk to XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also, attorney XXXX said he received bank statements. Those were duplicates sent with initial package on XX/XX/XXXX. I dont know why re emailed and said he received them. I dont know if he was confirming it on that day from the fax he received on XX/XX/XXXX. Maybe it was left in the fax machine. I have confirmation that all pages were faxed to him on XX/XX/XXXX and no fax record print out shows anything faxed to his off on XX/XX/XXXX. 
1. You can not have sale date scheduled w a mod package being reviewe 2. Even with multiple attempts to confirm that w everything was received, wf has failed to respond Note : I refers to my wife and or myself contacting Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ERI Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reporting XXXX XXXX account XXXX original assign date was XX/XX/XXXX and was disputed in XX/XX/XXXX with XXXX  with no response from XXXX. XXXX has now changed their reference number and reported in XX/XX/XXXX without ever validating the debt. It was reported to XXXX and XXXX. Also XXXX is showing on both CRA reports conflicting dated and information that differs on both reports intent to re-age the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2023 My credit score was around 740 or better on all three credit reports to include TransUnion. After I paid off a couple of credit cards some review TransUnion did got two of my my accounts closed the greatly impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-01-07
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.unaware of the amount due and your bill does not include a breakdown of any fees.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt h
as been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed can be percieved as a violation of the FDCPA because you will be deceiving me after my written request of debt valid
ation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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 2023-09-07
Company: Experian Information Solutions Inc.
State: MD
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: 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 correct : 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 explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
After Reviewing my consumer report i sent out an investigation letter to Experian through certified Mail. Here is my tracking number # XXXX However It has been 45 days and Experian failed to respond. This is not making any sense. 

According to the law 15 U.S Code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate in record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-04-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a notification from my XXXX XXXX with Comenity Bank. I have the card since XX/XX/XXXX and have recently made limited purchases due to the pandemic. 

In fact, I have made limited purchases with all my store cards due to the pandemic. 

They advised they closed my card due to negative item on my XXXX  Credit report. 

As mentioned, I have not made any recent purchases and the latest thing I did was refinance my home to get a lower monthly payment and interest rate in XX/XX/XXXX. 

My chapter XXXX is 6 years old from XX/XX/XXXX. There are no late payments all bills have been paid on time during this pandemic. Closing of accounts that have been opened for some time have a negative effect on the Credit Reports. I do not believe it is fair to close accounts based on old data when I have consistently paid all my bills on time and there are no late payments or anything negative on my account since the XX/XX/XXXX Chapter XXXX filing. 

This is a violation of my rights under FCRA and TILA. Companies should not be doing this in the middle of a pandemic negatively affecting the credit of consumers that have responsibly paid and struggled to maintain their creditworthiness during XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After submitting a written dispute letter challenging XXXX Transunion XXXX inaccurate reporting of my consumer credit report. Their are still Accounts that appears to be reported as verified and updated. However, these accounts are still unrecognizable by me. I not saying that they are fraudulent but I just don't recognize these accounts. Please see attachments. 

XXXX  XXXX XXXX - I am challenging this account because it is unknown and I do not recognize the original creditor. Please remove Account effective immediately XXXX  XXXX XXXX XXXX This Account I do not recognize and is ( unknown ) please remove Account at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Over {$3000.00} dollars of items were fraudulently purchased at Macy 's using my wife 's Macy 's credit card ( I am the owner of the card and she is an authorized user ). {$1500.00} of it was at the XXXX XXXX Macy 's location on XX/XX/XXXX and the other {$1500.00} was at the XXXX XXXX location XXXX both in XXXX ). We weren't aware of these charges until we looked at our bill in mid to late XXXX at which point we contacted Macy 's to dispute the claims ( this process is still ongoing ). The details are attached We're a bit perplexed about how this could have happened for a few reasons : 1. As far as we know, we have both physical copies of the card 2. There's only a {$2000.00} credit limit on the card, so how were they were able to go purchase an additional {$1000.00}?

3. They say the purchase was made under my wife 's maiden name. I suppose someone would have to cook up an ID with that name on it? ( if the store clerks even bothered to check ) I've suggested to Macy 's that a simple pull of the security footage along with the photo on my wife 's Driver 's License would absolve us of any responsibility for these payments. We've also filed a police report. 

I've reiterated this information to Macy 's twice only to receive two identical letters claiming they determined my wife made the charges and that we are responsible for paying for them. My assumption is that someone used our information and that their investigation isn't taking into account physical evidence.

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 monetary relief