BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX  received email notification that 2 Venmo transfers were made each in the amount of {$300.00} and the funds for the transfers were debited from my associated XXXX XXXX  checking account. My Venmo phone app confirmed this information too. I did not authorize either transfer. One of the transfers was to a friend on my " Venmo Friends List '' the other was to someone I do not know. I called my friend and he did in fact receive this unsolicited transfer of {$300.00}. I called Venmo customer support and reported the fraud and was told an investigation ( # XXXX ) would be done. A few days later, I received an email from a Venmo " account specialist '' indicating that their investigation determined that the 2 transfers were " not unauthorized '' and my claim was denied. I called Venmo customer support wishing to speak with this account specialist or anyone in their fraud department to ask question about just how this investigation was done. I was informed that the account specialist team members conducting these investigations will only communicate with customers by email. I responded to the email asking for the document ( s ) used to conduct their investigation. After more calls to customer support and additional emails, I was finally sent a document ( attached ) that seemed to prove the transfers should be deemed, at the very least, suspicious. The doc showed previous authorized transfers coming from one device from a location listed as " XXXX XXXX, NJ, XXXX ''. The two fraudulent transfers came from a different device number and lists the location as only " US ''. Most importantly, the time of the transfers was listed as XXXX XXXX  for both. I subsequently learned from yet another customer service rep that the transfers actually came within 5 SECONDS of each other which she agreed was improbable and likely due to a " glitch '' in their system. Yet, I still am unable to speak with any " account specialist '' and I believe this is done deliberately to thwart any reasonable fraud claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$5000.00} was removed from my Chase personal account without my knowledge or authority. There were then XXXX XXXX transactions ( all unauthorized ) out of the account. XXXX have been reversed by the bank ; the other XXXX have not. All three of the unreversed charges were to " XXXX XXXX ''. I called Chase when there was XXXX transaction to " XXXX XXXX '' and XXXX others. The XXXX others were reversed. Subsequently, after I had already told Chase I had not authorized any transactions to XXXX, they paid XXXX more XXXX transactions to him and have refused to reverse the XXXX unauthorized XXXX transactions to XXXX in the amounts of {$2000.00} ; XXXX ; and {$1400.00}. I had never sent any XXXX out of that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  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 Section 604 A Section 2 : It 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 non-monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have four fraudulent accounts appearing on my credit report. 
1. XXXXXXXX XXXX  XXXX {$16.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00} 5. XXXX XXXX XXXXXXXX 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-12-12
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I was denied a Home Equity Line Of Credit under false reasons. When I asked to speak with someone for clarification, I was told that there was no one that would speak to a consumer directly. I am being told that my HOA is no in compliance with our XXXXXXXX XXXX XXXX. I sent a copy of the XXXXXXXX XXXX XXXXXXXX and the applicable amendment which clearly showed that the HOA was in compliance. Then I was told it is because the Home is not insured. I then sent a copy of the insurance showing that the whole structure is insurance as required by the XXXX XXXX XXXX. Then the processor, XXXX XXXX, and I kept going in circles where he woild give the same reasons over and over again and I would have him read the same language that showed the decision is incorrect. He explained that there is a special committee within US Bank that arbitrarily makes decisions on lending to homes in certain HOAs. I asked to speak with someone, but he said only he can speak to an underwriter and that the underwriter is not a part of that special committee. However, the underwriter wasn't passing the information to that committee. I have been wrongfully denied credit when I qualify by all their guidelines. This all seemed to happen after I was asking for clarification about the accuracy of their `` drive by '' appraisal. Prior to that, I was sent a letter offering the credit which is now being pulled and my application is denied.

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 2022-11-01
Company: LEXISNEXIS
State: TX
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 have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
CAPITAL ONE XXXX : XXXXXXXX XXXX XXXX Hello, A hard inquiry has been on my account since XXXX of XXXX. It caused my credit score to drop. I have not received a card from Capital One. I contacted them as well they have nothing on record. I really need this removed as I'm looking into moving. Can you assist with this please? 

Thank You XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Citi in XX/XX/2023. The reason I signed up was because I am a XXXX male. Citi claims they are the bank for XXXX- people according to their advertising. 

I deposited 2 checks from the IRS on XX/XX/2023. One for {$430.00} and another one for {$1100.00}. 

I received communication from Citi that they had " confidential '' information that I was doing check fraud because the deposit would not be accepted. The money was held but released when the check cleared. 

I inquired about this " confidential '' information. I asked the representative and they had no answer. I am not sure what Psychic or Fortune Teller service Citi uses for these false claims. 

Then in the future, Citi gave me problems with Credit Card Fraud on my Credit Cards. 
Citi even closed some of them. I noticed today XX/XX/2023 that one of them was closed without any communication. 

I have never had a bank that functions like Citi does and makes false allegations against their customers.

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 2023-01-11
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: Account information incorrect

Complaint:
After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.

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 2023-01-11
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan at this company around the end of XXXX and was approved for {$960.00}. I had XXXX more payment of {$270.00}. XXXX payments have already been deducted from my XXXX  account. I called XXXX minutes ago to speak to an agent and I stated that I have more more payment of {$270.00} and she tells me no, you have a total of XXXX payments totaling over {$2000.00} No maam and I need to speak with a supervisor but they all are busy. 
THIS IS STEALING and extortion. 

PLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
This collection has been added to my account without my consent and without my knowledge.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$510.00} Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: AZ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-26
Company: CITIBANK, N.A.
State: MI
Product: Credit 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:
I have been overcharged for a hotel stay and have two companies ( XXXX XXXX and XXXX XXXX ) pointing the finger as to who has overcharged me. As both merchants charged my Citi card, I have filed disputes with Citi. However, I only receive form letters back from Citi indicating they have found in the merchant 's favor because the amount billed appears to match the invoiced amount. This is a more complex and nuanced issue than a typical dispute and I can not get ahold of anyone at Citi that can sufficiently discuss the situation with me. Citi reps have instead told me to send in appeal letters to update the reason for appeal, etc. I initially sent dispute documentation on XX/XX/XXXXXXXX  and sent additional documentation on XXXX, XXXX, and XXXX. However, I keep getting the same type of form letters back from Citi with no indication that anyone has reviewed the nuance and details of this situation. The form letters indicate I'm only claiming there is a discrepancy in the amount charged versus the amount invoiced, which is not at all correct. 

In summary : I relied on misinformation from a merchant, XXXX XXXX, when booking a pre-paid hotel stay at the XXXX XXXX. With this misinformation, I canceled an XXXX {$2800.00} order and rebooked on XXXX in the amount of {$3200.00} for the same exact hotel room and dates of service after a rep confirmed the higher cost avoided being charged fees by the hotel directly. 

At check in, I provided my Citi card to the XXXX XXXX so a hold could be placed for any incidentals. There was no mention of any resort fees, tax charges, or anything other than a temporary hold. Upon check out, I received a bill for {$320.00} and my Citi card was charged on XX/XX/XXXX for a daily Service Fee, Service Fee Taxes, Service Fee City Tax. XXXX XXXX  own Terms of Sale state : With respect to hotel products, the rates offered on this Website are rates for pre-paid reservations. Your credit card will be charged the full amount immediately and the total price includes all tax charges and service fees. This amount was to be included in the payment to XXXX XXXX. 

I have tried disputing ( and appealing ) the XXXX XXXXXXXX XXXX charge as one XXXX  XXXX  rep indicated I should not have been charged the {$320.00} as it was paid to them. However, Citi found in the merchant 's favor. I have tried disputing ( and appealing ) a partial amount of the XXXX XXXX for the {$320.00} that their own terms state were to be handled by them. However, Citi found in their favor as well. 

If Citi is fully investigating, I fail to see how they could find in favor of both merchants. I have certainly been overcharged by at least one of them.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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