BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold an XXXX XXXX to someone and they paid me via Venmo and used the XXXX XXXX feature offered by the company. Purchase protection protects the buyer and seller. It " can help prevent you from losing money due to unauthorized transactions or claims that the buyer never received their purchase, '' according to Venmo 's website. 

A few days later, the buyer decided to dispute the purchase and Venmo froze my account and told me to reimburse Venmo for {$1000.00} - the sale price of the XXXX. 

I provided Venmo with proof of the transaction and Venmo said they would investigate it. Venmo indicated that the buyer filed a dispute with their credit card and the credit card found in favor of the buyer. Venmo wants me to pay them the balance despite the fact that their own Purchase Protection program is supposed to prevent exactly this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
ON XX/XX/2023, I CALLED XXXX CREDIT CARD XXXX IN HOPES OF GETTING ASSISTANCE WITH LOWERING MY MONTHLY PAYMENT. WHEN I CALLED, THEY INFORMED ME THAT THERE WAS NOTHING THAT THEY COULD DO TO ASSIST ME. IF I WANTED TO LOWER MY APR, I WOULD NEED TO DO DEBT CONSOLIDATION. THEY DID NOT HAVE A HARDSHIP PROGRAM. IF MY ACCOUNT WAS IN COLLECTION, THEY COULD ASSIST. I EXPLAINED TO THEM THAT DUE TO MY MOTHER BEING DIAGNOSED WITH XXXX, I HAD TO PAY HER BILLS. I HAVE BEEN PAYING MY BILL ON TIME, IF NOT EARLY, FOR YEARS. I WANT TO PROTECT MY CREDIT, AND I AM WILLING TO CONTINUE STILL TO PAY ; HOWEVER, I NEED ASSISTANCE. I WOULD HAVE THOUGHT THAT THEY WOULD HAVE ATTEMPTED TO ASSIST ME IN MY TIME OF NEED. XXXX ( ID # XXXX ), A SUPERVISOR WITH XXXX, INFORMED ME THAT THERE WAS ABSOLUTELY NOTHING THAT THEY COULD DO TO ASSIST 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 2023-03-02
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've been disputing this entry unsuccessfully for over a year. Receivables Management Systems reported to all three ( 3 ) credit bureaus a debt on behalf XXXX XXXX XXXX in the amount of {$160.00}. I paid XXXX XXXX XXXX, in full, directly. I've never entered into a contract with Receivables Management Systems for services of any sort. Therefore, I don't owe Receivables Management Systems a debt. When proof of the debt was requested of Receivables Management Systems, they replied with a letter confirming the XXXX XXXX XXXX debt was paid. It's reported as " paid '' on all three ( 3 ) credit reports. This information is erroneous because I never owed Receivables Management Systems and the debt was paid directly to the debtor. There is no legal reason why this entry should be part of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX CT XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX HARBOR XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$84.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-14
Company: Credit Bureau of Carbon County
State: CO
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:
On XXXX I submitted a complaint to Collection Center Inc of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting Collection Center Inc. to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: ALLY FINANCIAL 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: Personal information incorrect

Complaint:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to 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 2023-02-25
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The card keeps getting blocked and is unusable. I did not agree to the terms and conditions of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: LEXISNEXIS
State: PA
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:
for the past 2 years I have been attempted to get a copy of my consumer disclosure file from LexisNEXIS refuse to provide me with a copy of my file proper documentation was send to the company on several occasion the last complaint I filed with cfpb the lexisnexis reply & instruct me to request a copy of my report to they website which I did two week later the company send me a letter unable to process your request but provided me with a link and password to download the report when I attempt pull the report with the information provided by lexisnexis the link was legit but the password was fake I'm still not able to get a copy of my own file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX # 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 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 if 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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX noticed my bank account was overdrawn. I panicked and took {$9000.00} dollars from my savings account and transferred to my checking account. My checking account was now out of the overdrawn status. 
I then went to look at why this happened. I noticed fraudulent withdrawals made with a check.. then several checks in the amounts of {$4800.00} {$4900.00} {$4900.00} {$4900.00} These were not my charges or checks. I then went to Chase bank on community in XXXX XXXX Spoke with XXXX ( bank associate ). She stated that my account was frozen as per the bank for fraudulent checks written against my account. I was advised to come back to next day to reopen a new checking account ( which I did ) and that my frozen checking account is now under investigation. 
I now have opened a new account and do not have enough money to cover my bills. Chase bank will not give me a contact person or anyone to speak with. They just state that this account is under investigation and I will receive either a letter or my funds back. 
The situation from what I understand is : A person walked into the bank and withdrew money from my checking account, on 2 separate days, for a total of {$19000.00} dollars. The checks cleared I did notify the police and filed a report ( as instructed ) ( also called the credit bureau ) My case number with Chase is # XXXX. The number I have called with Chase Bank is XXXX XXXX XXXX ( I spoke with a person XXXX ) who would not allow me to speak with a supervisor nor give me her last name. All she would tell me is that this is under investigation. I feel helpless. 
I am currently under investigation as of Wednesday XX/XX/20XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Santander Consumer USA It has been brought to my attention that your company have reported this alleged debt as a loss on your tax return and have gotten a tax credit for it. My confusion is why is this still being reported to the consumer reporting agencies that I still owe this debt?? Your company have until the next 5 business days to delete this account off of my report. If not done within the time allowed I will file form 3949-A with the IRS & have your company reported. 

ACCOUNT # : XXXX Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Auto inquiries on my credit report I did not authorize

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 2023-02-13
Company: STATE EMPLOYEES CREDIT UNION
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:
The payment history is inaccurate and the dates tagged as late also the balance were incorrect and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To the present day I dont know why Wells Fargo closed my bank 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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a credit card about a month ago from Capital One. Part of the activation process required submitting an ID through their automated system. The automated system failed to process my ID. This resulted in a " restriction '' of ALL of my Capital One accounts such as checking, savings, and other credit cards. What i mean by " restriction '' is that i was no longer able to modify any of my information such as an address change. I had recently moved and needed to do so. This was especially important because i had a negative balance in my credit card of {$4300.00} and needed them to send a check. 

However this was not possible because it meant changing my address which i was unable to do. I called capital one many times, even escalated through multiple supervisors and went as far as manually submitting different types of documentations to them to validate who i was so that they could unlock my accounts. Their site says that a permanent residency card is a valid form of ID yet they refused to take it. 

As a result i had to tell them to mail out the refund check to my old address and hope that the USPS address forwarding works. Capital one should be ashamed of themselves for not accepting a permanent residency card as a valid form of identification. They asked me to get a driver license but i refuse to do so because i have no need for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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:
RE : State, ex XXXX  Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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