BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My husband and I moved out of an apartment and we were sent a final statement that said we had a balance of {$0.00} and the statement was not in my name. Creditor has repeatedly provided the same statement saying that I have to ignore the balance due and understand that I owe a debt of {$8300.00} and that the billing statement doesnt have to be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, Below is a description of the incident. My name is XXXX XXXX. 

I was searching online to buy a XXXX puppy for my kids for XXXX and came upon this site https : XXXX After email exchanges with the breeder, I proceeded to purchase the XXXX XXXX for {$850.00} total and paid for it by Zelle which is hooked up to my XXXX checking account on XX/XX/2021. I was asked to send a picture of the Zelle confirmation by the breeder. Breeder confirmed they received my payment and they'd ship the puppy the following day from Oklahoma since it's already late. I got confirmation by email and text from this number XXXX XXXX ( same number on the emails from breeder ) the following day that the puppy was dropped off at the pet shipping agency, that they will contact me next, but I was warned that the shipping agency didn't take their old crate and need to use a different crate for traveling. I then got an email from the shipping agency XXXX XXXX XXXX confirming the shipment of the puppy, tracking number, and the shipping and delivery is paid. Then I got a call from the shipping agency from this number XXXX that I need to pay for a thermal crate or the puppy won't be able to travel, the fee is {$1700.00} and I'd get 95 % refund back to my Zelle account when the puppy arrives at my address. They advised me to break up the payment if I hit a limit with Zelle. I was only able to send {$1000.00} then {$500.00} via Zelle and they asked me to get a XXXX gift card for the remaining balance and send them a picture of the receipt and front and back of XXXX XXXX. I did that and emailed them the photos and they confirmed receipt. I received a call from the pet shipper again now asking for {$1900.00} for pet insurance needed to ship the puppy, that the puppy is stuck in Colorado and that if I don't pay then the puppy will be abandoned, they'd call the FBI. I said I'd pay by credit card but not Zelle or XXXX which they were asking me to. I then told the pet shipper on the phone that I will cancel the shipping, that this is a scam. The pet shipper said they'd send me a refund in 72 days and sent an email stating so. I told the pet shipper on the phone I need the refund back to my Zelle account now. I also called the breeder who told me to pay the pet shipper, that he had been using them for 5 years and that I will receive the dog. He said he can't really talk cause his daughter is at the hospital ill. I called the breeder again and the number XXXX is disconnected. I sent the breeder an email saying I need a refund of the {$850.00}. No response from both. 

I've reported this to Zelle, my bank, as well as the local police here in XXXX XXXX CA ( report # XXXX ), FBI IC3 , FTC, XXXX, XXXX. I reported this on XXXX. I also reported it to the web hosting site, XXXX, and the breeder site was taken down on XXXX. The pet shipping site is still up, I reported it to XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called on  XXXX  about m y Citi presti ge card. I called because I was charged the  XXXX  annual fee and I wanted to see if I could get my card changed to one without an annual fee. I called and found out the card can be changed but was not ready to make a decision on what card to change the account to. I went online and saw there are different cards that are offered and called back and decided I wanted to change my card to  the Citi Costco Visa . I did n't have my  XXXX  member ID number available so I ended the call with  XXXX  and tried to call Costco. I was n't able to get them to give me my member number. Since I was really concerned about the  XXXX  annual fee I decided to call  XXXX  again and ask them if they could just waive the fee - I am in the process of buying a house and I did n't want the credit agencies to show that I had an  XXXX  monthly payment. When I called in I asked the girl if it was possible to get the  XXXX  waived, she said let me transfer you over to someone that can help. The next person on the phone was someone from the retention department saying that she heard I wanted to cancel my card. Shortly after our conversation began there was loud static and I realized the call disconnected due to a bad transfer - I have worked in call center management for 15 years and have accidentally done this same thing when talking to others. I immediately call back in and as I am talking to the next person and come to a solution that representative tells me that my account was closed. I did not instruct anyone to close the account. With some help the account was reopened within 24 hours HOWEVER I am now told that not only can I not change my account to avoid the annual fee, but I am also not able to have the fee waived all of this stemming from a rule that exists which states you cant change your account for 12 months. It is n't fair to me that I cant convert to a no fee account now because someone closed my account. At this point I am told my only option is to close the account all together to avoid the fee. It just seems wrong to do that to a customer given that the call was dropped, and a representative transferred me to the retention department whose policy is to close accounts if calls are dropped. In this situation you would have thought that the representative that I was speaking with when the call was dropped would have tried to reach out to me or note the account or something.

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 2021-12-11
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Open XX/XX/XXXX oXXXX XXXX It is XXXX XXXX service which would have been taken care of by my sons insurance. I have contacted the insurance company several times and the service to get it taken care of and they havent done anything about it. Insurance should have paid this! As this violates FCRS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PAYPAL PREVIOUSLY SAID THAT MY MONEY WOULD BE MADE AVAILABLE FOR TRANSFER ON XX/XX/XXXX You were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access your funds. WELL THAT WAS A LIE, I WAITED 6 MONTHS AND THEY DO THIS TO ME??? OH NO, I HAVE CONTACTED THE WISCONSIN XXXX ATTORNEY XXXX XXXX, WHO REFERRED THE MATTER TO THE CONSUMER PROTECTION AGENCY. I WILL BE CONTACTING AN ATTORNEY. I WILL NOT ACCEPT THE STANDARD YOU AGREED TO THE ACCEPTABLE USE POLICY BOGUS PREFABRICATED RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: MD
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:
This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative. 

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2020 I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XX/XX/2020 beyond 30 days and I haven't heard anything from XXXX, XXXX, or Experian in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.

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 2020-10-07
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2021-01-19
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: Old information reappears or never goes away

Complaint:
Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo and XXXX have a collaboration to allow customers to send payments using their XXXX Send account. 

I have had issues using this service since XX/XX/2021 and was unsuccessful in sending a payment to another Venmo account. 

Regardless of who the payment was being sent to I still received an email from Venmo stating that the transition was cancelled and being returned. but the problem is that the funds were not returned to XXXX which is the payment funding resource. 

That is fine that the transaction was cancelled but the financial issue that has caused financial harm is that funds were not returned to the original payment source. 

The payment of {$1100.00} was not returned to XXXX and the funds are frozen in the account. 

I am not sending the funds to my personal bank account because the purpose of the transaction is to fund an Art project through a business account and I need the proper documentation and a track record of receipts. 

If the transaction was cancelled by Venmo then the funds need to be returned to XXXX the original funding source. 

I received an email stating that the account was frozen and to upload my identity. I already uploaded my identity. Venmo successfully verified my identity but then froze the Venmo account a second time even though I already uploaded a picture of my identification. 

The funds are still not returned to XXXX. 

I have contacted Venmo and chatted with customer service and customer service is asking me to submit a copy of my bank account to unfreeze my account even though I did not use my bank account to make the {$1100.00} Venmo transaction. 

I am not sending the funds to my personal business account because that defeats the purpose of using the XXXX SEND product for the Venmo transaction. 

The bottom line is that the transaction of {$1100.00} that was cancelled by Venmo needs to be returned to XXXX SEND ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank refuses to properly validate that they were properly assigned both Note and Mortgage from XXXX XXXX XXXX  at the time of consumers dispute on XX/XX/2022. Consumer requests 3rd party audit on the account due to misrepresentation by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There are charges from XXXX and XXXX on my genesis card services account from XXXX totalling over XXXX. I have contacted both XXXX  and genesis several times and Noone seems to know what's going on. Im told I will receive a call and never get one. Mean time I'm paying XXXX a month when I should only be paying XXXX and it's affecting my credit score because of how high my income to debt ratio is higher. I don't know what else to do Noone is helping me resolve this issue that's been going on for months. Old card these charges are on is XXXX. A new account number has been issued since which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Submitted online dispute process withe experian and equifax with supporting documentation ( ID Theft report, police report number ).   XXXX   came back with a response stating they had deleted those items, experian came back as debts verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: AZ
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.

Company response to consumer: Closed with explanation