BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: MA
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:
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all inaccurate inquiries

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 2021-07-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Target, I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: WELLS FARGO & COMPANY
State: TX
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:
I purchased some eBooks from XXXX using my XXXX account. ( my motivation was just that I wanted to read them, not particularly for any formal or academic purpose ). The computer made it appear as if I was going to be charge to my debit card. But my debit card did not have enough funds to pay for the eBooks. So, instead of denying the charges for the books, the computer decided to approve the orders and charge the cost of the eBooks to my father 's credit card, because of the fact that I had stored his credit card in the XXXX website when I had purchased some eBooks on his behalf in the past, ( like about six months ago ). The computer accessed his credit card without his authority and without me knowing that it was being used and then caused me to lose my debit card privileges with Wells Fargo Bank because of the stated policies of Wells Fargo about how the computer interprets the actions that appear to be some type of fraud. But the blame resides on XXXX because they did an act of deception by not informing me that my father 's credit card was being charge for the books that I thought were being charged to me.

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 2019-08-28
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: DISCOVER BANK
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I reported fraud unauthorized transactions on my Discover card for the balance on the card. I never got any letters from Discover for claim forms to sign and return back and Discover is calling me everyday with collections on this fraud charges. Also they are reporting negative late payments on the credit reports as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 a user registered on XXXX. On the same day they purchased an item from me and they used the PAYPAL link on XXXX 's site to pay for the item through PAYPAL.. I packaged and shipped the item same day through USPS ( Tracking Number XXXX ) Tracking shows that the item was received at XXXX XXXX, XX/XX/2020. The money was processed into my PAYPAL account. 6 weeks later the buyer claims they didn't buy it.. and filed a claim with PAYPAL.. Paypal sent a message to me of the hold on funds and the dispute. I tried to call them 7 times but.no one answered and all you get is a recording..telling you to use their virtual messenger.. I used their messenger and gave them the same information that is above.. 2 days later they sent another message stating they ruled in favor of the buyer and refunded them plus charged me and extra {$20.00} for the charge back ... I am a XXXX senior and XXXX may not seem like much to them.. but can be for me.. Yet, I did nothing wrong. I fullfiled the requirements of XXXX  in a timely manner and the buyer used XXXX  's on site link to pay..At the time of the purchase I had been a customer of both XXXX  and Paypal for 18 years ... The buyer had been a customer of both for 1 day.. It is a new twist on a common fraud perpetuated on XXXX. Only this time, the buyer files the dispute with PAYPAL.. so paypal rules for them..and XXXX  will not step in because the dispute was not filed on their site ... You call and you can not defend yourself at PAYPAL because no one answers.. and then they arbitrarily take money from your bank account and charge you additional fees without explanation as to what you exactly did to deserve theft of monies from your account. Once they make a decision there is no way to dispute it, no one to call, and precious little response from their virtual messenger.. You are just out of luck ... Now I am not so arrogant as to think this has only been done to me.. I am out {$50.00} ... not a huge amount in the grand scheme of things but..how many others does this happen to..and without any fair way to resolve it, without anyone who will pick up a phone.. I consider this theft.. If I had a customer that used my services for almost 20 years..I think I would at least hear them out with a real person.. before throwing them under the bus..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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 filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on Experian XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active Experian reports XX/XX/XXXX XXXX  reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida

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 2023-09-01
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the debt was bought by another company and they are still reporting as a owed debt. i requested they stop reporting this debt on my credit report. they sold my debt without my knowledge and the vehicle was subsequently repossed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a balance of approximately {$3000.00}. I have consistently made payments that are not reflected in the account balance. In other words, I have made regular monthly payments however, the account balance never goes down. I have contacted Macy 's customer services and frequently get a representative who barely understands English and have difficulty understanding me or me understanding them. This has been extremely frustrating and disappointing. 
There are also items that I have reported to Macy 's as fraudulent but, they have not been removed. I closed this account over a year ago and have consistently made payments and the account balance barely moves and I have paid several thousands of dollars. The reason that I have continued to make payments is out of fear of receiving a bad credit rating.

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 2020-12-21
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I was assessed a late payment fee of almost {$30.00}. I was sick with COVID in XXXX and in that midst, I thought I had submitted my monthly payment for the XXXX due date. I must not have because I got an email saying I'm late. I promptly paid the normal amount, in addition to the late fee on Saturday XX/XX/XXXX, to avoid any further problems. Today, Monday XX/XX/XXXX, I called Rocket Mortgage/Quicken Loans to see if they can reverse it. It's my first ever late fee and again it's because I was sick with COVID. They wouldn't reverse it because saying I had already paid it. This is unfair. I wanted to be a good customer and paid it up front with hopes they'd return it. Instead they want me to be a bad customer and not pay it and then ask for a reversal. How is this ethical? My loan number is XXXX. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with coinbase. I had money ready to be withdrawn to my debit card. According to coinbase if you decide to get the Amount on your debit card it is sent there instantly. This was completed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have it available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: CA
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:
Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently checked my credit report and I noticed numerous inaccuracies on my report this is affecting my well being and my way of life and causing me stress and anxiety and I am the author of this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.

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 2020-12-04
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 XXXX, 2020 XXXX XXXX paid me {$500.00} on Venmo , bringing my balance to {$530.00}. Earlier that day I had to delete my checking account linked to the platform with XXXX as it had been compromised. I learned that Venmo froze my account and would not allow me to add my new checking account to transfer the money out of. I sent my drivers license in as the email requested. talked to numerous customer service agents through chat ( phone help in unavailable ) All promising my account would be unfrozen in 7-10 days. We are going on three weeks. I demand that Venmo unfreeze my account, allow me to add my new checking account and allow me to transfer my remaining {$530.00} out of the Venmo account. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to remove the following account from my credit report below : XXXX XXXX This account has not been validated nor has it been verified. This debt is associated with an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. I dont have a record of this address on my credit report and this is going against consumer law that I the consumer is protected under. 

This is in violation of 15 U.S. Code 1692g - Validation of debts

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 2023-08-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was attempting to apply for the Marriott Bonvoy Brilliant card from American Express on XX/XX/23. During my application it informed me that I would not be eligible for the sign up bonus. I reached out to American Express on XX/XX/23 to see what the problem was. They listed a number of things that " could '' be the problem but none of them seemed to apply to my situation. They informed me they have no way of knowing why a denial happens and it almost seems random to them. 

After speaking with American Express I thanked the representative for their time, assured them I did not hold them at fault for the policies of their company and mentioned I would be submitting a complaint to the NY AG based on what seemed to be a discriminatory policy. They seemed concerned and mentioned they could help me submit a complaint to American Express to have someone higher review it. After a minute or so on hold the line was disconnected. 

I will be submitting the complaint again in writing as there is now some concern on my end that the representative was not able to forward the details to a higher level as discussed. 

The lack of clear reason for approval or denial seems like a discriminatory practice. The XXXX may not specifically require this for a welcome offer but its spirit definitely implies any reason for denial of any product, service, or promotion by American Express should have clear and unambiguous rationale behind it to confirm the policy is not discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I gave them a call today at DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX They said they have no record of me in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: SC
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, XXXX account # 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX  Acct # XXXX opened XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation