BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Re : Venmo and adding funds I have been using Venmo since XXXX and I have been able to add money to my Venmo account balance using a checking account until XXXX of XXXX. The last time that I added funds was on XX/XX/XXXX. 

However, on XX/XX/XXXX, Venmo updated their terms and they changed their policy on adding money to your account. 

I tried to add additional several times during the first week of XX/XX/XXXX and submitted an inquiry on why I could not add funds on XX/XX/XXXX. 

I received a response the same day : " At this time, only users who have applied for and activated a Venmo Debit Card have the ability to add funds to their Venmo balance manually. If youd like more information about applying for a Venmo Debit Card, you can find it by visiting : https : //venmo.com/about/debitcard/ from a browser. Keep in mind that you dont need to add money to your Venmo balance to pay friends or businesses in the app. '' This is a complete loss of functionality for this service and I should not have to divulge valuable personal information ( e.g. SSN ) to apply for another debit card that I do not need. If Venmo wants to operate as a traditional bank, then they should be subjected to bank rules and not advertise as a social payment app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Capital one we called in about XX/XX/XXXX, Capitalone Cancelout my wife Credit Card .Because supposely XXXX charge her c/c {$16.00}, Capital one never ask to cancelout her card.They said they replace card we never got when we was in XXXX, XXXX  . address, Than XX/XX/XXXX i called again there ask for copy my drivers licence front and back for me to get replacement card for my wife.We never got, i told the employees, this how i got scam on XXXX asking for me to up load driver license front an back, now it seems Capital one Scamming me which they did.We still never got wife Credit Card replacement.We tried online to change our resident address to POB? Capitalone would not let us.We moved back to XXXX  late XX/XX/XXXX update Mailing were we get our Capitalone statements.But as today XXXX XXXX My wife still donot have Replacement Card its been 6months without C/C furthermore Capitalone told me two weeks ago they Mail me main person update replacement c/c, as of XXXX XXXX i went to get my mail about 60 miles away, and i never got my C/C my Card expires XX/XX/XXXX and online website it keeps saying for me to Active now? Yeah right i dont even have my card how stupid is that.Capitalone is Employees are liars and they owe me Gasoline Reburstment charges on my C/C for XXXX XXXX to drive over and back were in live.XXXX, XXXX  XXXX XXXX {$29.00} and {$30.00} cost me in gas to go to XXXX, XXXX  and me drive back home to XXXX, XXXX  in XXXX it cost lot to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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 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 I have attempted to reach out to this company multiple times to no response.

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 2023-09-25
Company: EQUIFAX, 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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist bank take my paycheck that was direct deposited from my employer with out noticing me And cause me hardship while I m in training at my new job. 
I was left with nothing and I was not able To pay my car insurance and was not able To pay my car note because XXXX have have Any notice that their gon na take paycheck. 

Spoke to the supervisor XXXX And XXXX the manager Both refuse to returned my paycheck Then I just I recieved a notice that I make a payment That I never did. 
And then their took my paycheck like I make a payment. 

The supervisor told me is a bank rules. 

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting Act, XXXX AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22
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:
XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with XXXX, Equifax, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXXXXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXXI filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX  code 9-3-25. 

As of XXXX XXXX XXXX, Equifax XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all 3 credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

XXXX & XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Sklar Law LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been renting a townhouse at XXXX XXXX in XXXX XXXX since the summer of XXXX with my then XXXX year old child. 

Since, XX/XX/XXXX the premises have been infested with fleas. The XXXX XXXX office was notified promptly on XX/XX/XXXX of the issue. It took me following up with the office staff twice per day after reporting the problem just to get an exterminator to come to assess the situation on XX/XX/XXXX. After the assessment, the rude and unhelpful XXXX had the exterminator scheduled to come out to do the first treatment on XX/XX/XXXX, knowing that the time was of the essence and that the unit was uninhabitable. I had to insist on the exterminator to come out sooner, so XXXX came out on XX/XX/XXXX to do the first treatment. 

During the assessment visit by XXXX XXXX XXXX XXXX, I was given a guarantee by him that the problem will be fixed after the first treatment. Well, the problem didnt go away after the first treatment on XX/XX/XXXX. I reported to the office again and XXXX came out again on XX/XX/XXXX to do a second treatment. And again, the problem did not go away. I contacted the office and emailed XXXX XXXX on multiple occasions after that, however, have not gotten any acknowledgement or a reply. 

I had no choice but to hire a private exterminator, that had come out on XX/XX/XXXX and XX/XX/XXXX to treat the premises. 

In the meantime, the unit hasnt been occupied by me, my son and our cat since XX/XX/XXXX, because its UNINHABITABLE. 

The landlord has breached the lease agreement ( item XXXX, last paragraph ), by leaving the property in uninhabitable condition, but still requiring full rent. ALL RENT WAS WITHHELD, UNTIL PROBLEM RESOLVED. 

I requested that they repair these conditions immediately. Neither I, nor anyone on the premises with my permission, caused this problem. I also reserved all legal rights and remedies with regard to this situation. 

XXXX XXXX failed to cure the issue, but instead filed an eviction against me on XX/XX/XXXX. At that point I hired legal representation to represent me and my legal rights. The eviction was dropped because I moved the rest of my belongings on XX/XX/XXXX. 

Now Sklar Law LLC, is coming after me for the debt that they say I owe to XXXX XXXX in the amount of {$4500.00}. On XX/XX/XXXX I replied to Sklar Law letting them know that I dispute the debt and reasons why. In return on XX/XX/XXXX they sent me a one page summary of charges, stating that it's a debt validation.

Sklar Law, LLC did not research the issue and problem, as to the reasons why the rent was not paid for XXXX and XXXX of 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
On XX/XX/2023 The Credit bureaus stated XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-11-25
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: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2022-08-20
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband and I have a joint account with Ally Bank. Recently there were unauthorized transactions ( we never lost the debit cards and they are still in our possession ) and we lost about {$1700.00} due to a data leak on the bank 's end. We want Ally bank to return our money immediately. 

My husband and I have been Ally bank customers for a long time. We each have a debit card for the joint checking account and we have the Ally bank app in each of our phones, which we use to manage the debit card. We have taken multiple steps on the App to make sure we are securing our account. 

1 ) The app has a manage debit card option, which we use to lock the debit cards. We only unlock them when we are at the ATM to get money and then we lock it again immediately. At the time the unauthorized transactions took place, the cards were locked. 

2 ) Additionally, the app has a feature where it says when unlocked what kind of transactions are permitted. Using this feature we authorized the card to be used only as an ATM card. However, even with this safety measures from our side, our debit card was charged XXXX times on XX/XX/XXXX ( Thu ) Evening. 

3 ) Also we had setup alerts to notify ( text and email ) us with transaction over {$0.00} Our debit cards were charged 7 times on the evening of XX/XX/XXXX. We did get text and email alerts. We immediately called the fraud line by using the automated option we indicated that these are not authorized transactions. The fraud line did not have a live person at the time so we called the Ally bank customer service. The wait was over an hour long ( The customer service agent did communicate to us that they are getting similar calls a lot which is causing the long wait ). The chat option from the bank said the wait time is over 4 hours. In the meantime my husband send an email ( via their website by logging into our Ally bank account ) that these are not authorized transactions and should not be processed. When we finally got to talk to the agent, they told us that they can not dispute the transactions until they formally post in the account ( at the time they said it was pending status, however the available amount in our account was reduced to account for those XXXX transactions about ~ {$1700.00} ). As of today ( XX/XX/XXXX ) those fraudulent transactions have posted in our account. We called them back at least 2 more times and spent additional 3 hours waiting in line for Ally Bank customer service, but we were able to formally dispute those transactions. Ally Bank is still not committing to refund our money and we want them to refund our money immediately.

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 2022-08-20
Company: EQUIFAX, INC.
State: IL
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:
A company called XXXX on XX/XX/XXXX ran my credit. I hadn't had my credit ran since XXXX. I want this removed please. I've sent multiple letters on this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: FL
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 recently filed a CFPB complaint ID : XXXX, where Equifax claims to have " verified '' information that is incorrectly reported on my credit profile. Equifax has not satisfied the requirements under 15 USC 1681i as it relates to the investigative process, Equifax needs to provide information about how they verified this information. Who did they speak to, addresses, phone numbers, what was said to verify this information? 

Equifax has also not satisfied the requirements under 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax has not followed reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. Equifax should also be working with the other CRA 's to make sure all accounts are reporting the same accounts with accuracy. The exact accounts Equifax claimed they " verified '' have been deleted from other CRA 's because they are in fact, inaccurate. Why has another CRA been able to verify that these accounts are inaccurate, and have been deleted but Equifax can not? ( See attached ) Equifax is also reporting that an open/active account has been closed by the creditor. This is inaccurate information. The account is still open. I have attached a new order where I used my credit from the account that is being reported as closed by the creditor. This also does not satisfy the requirements of 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax does not follow reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. ( See attached ) These are all known violations, that I expect to be remedied immediately. I have filed with the FTC report XXXX making them aware of this pattern of violations pursuant to 15 USC 1681s ( a ) ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: TX
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 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 I have attempted to reach out to this company multiple times to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: OH
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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