BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owe for a past due utility bill from XX/XX/XXXX. I received a notice XX/XX/XXXX that I owe {$90.00}. I responded back XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are late payments on my report that is causing me hardships and XXXX I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
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:
I was incorrect on the dates in complaint XXXX. I have corrected the dates below : On XX/XX/2019, I paid {$500.00} via my debit card to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid {$700.00} cash, ( new hair XXXX and XXXX for install ) .The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to remove the old hair from my head. After removal, she install the new hair. The woman did a horrible install. On XX/XX/2019, a {$700.00} charge was made by XXXX XXXX through XXXX XXXX XXXX. I was not present when the charge was made, I did not sign the receipt as she forged my signature, I did not receive services for the {$700.00} nor did I authorize the charge nor did I sign the receipt. I was not present at the time of the charge, I was at the gym with a biometric signature at the gym. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have XXXX clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card. I did not sign the receipt. She had my signature on an authorization form which she used to copy my signature. She has done this to 4 other patrons. The police are going to issue a warrant for her arrest for forgery, fraud and theft over $ {$500.00}.

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 2018-01-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.

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 2020-03-21
Company: MidAmerica Mortgage Inc
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've refinanced my VA mortgage. The old lender, MidAmerica Mortgage, has been paid in full, and there is a surplus Escrow amount of {$2000.00}. The loan was paid in full on XX/XX/2020, and this, along with the Escrow surplus is indicated on the website. 

I've contacted MidAmerica mortgage multiple times ( 3 calls to  their Customer Service Center, @ XXXX XXXX XXXX regarding the status of the Escrow refund, the fact I haven't received the refund check via US Mail, and the fact that the refund is due no more than 30 days after the loan has been fully paid. 

I've been given 3 different stories ... each alleging they have processed the refund as far back XX/XX/2020, in one case, in another case, I've been notified I was to receive the check by XX/XX/XXXX, and finally, during the 3rd call, I was notified it should arrive by XX/XX/XXXX. Today is XX/XX/XXXX, and I've now been told they don't know why I haven't received my refund check. 

Their failure to release the funds is clearly a substantied violation of CFPB guidelines, and I'd ask enforcement procedures commence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On about XX/XX/XXXX I established a Venmo account and included my local bank account number to transfer ( send to ) and receive funds from friends. I used the Venmo account XXXX times to send and receive funds. The last time I used the account was on XX/XX/XXXX. On that date I had requested {$490.00} from a friend for travel expenses. The Venmo app documents that my friend transferred the funds. I then transferred the funds to my local bank account. Subsequently, I checked my bank account and found that none of my transactions using the Venmo account were showing on my bank account. After further search on the Venmo app the account that was listed was an account titled " XXXX XXXX XXXX. '' That is, all of my transaction were being managed by a bank account that is not mine. I have never had a XXXX XXXX bank account. 
Thinking I might get some information re my problem, I called XXXX XXXX bank and gave them my social security number the the last XXXX digits of the account listed on my Venmo app, " XXXX '' Of course, XXXX XXXX could not help. I then called Venmo and lodged a complaint. In one business day I received an email from Venmo denying any resolution to my complaint/problem. The total loss to me, {$1900.00}, is not significant, but I still would like a refund or an adequate resolution. Curiously funds that I transferred to friends also never " hit '' my local bank account, but were also listed as coming from the XXXX XXXX account. Funds that should have transferred to me totaled {$2200.00} and funds coming from me totaled {$290.00}. This results, as above, a loss of {$1900.00}. 
Thanks for you kind attention to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 2022-03-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company called CRG ( I am assuming it's Columbia Recovery Group from my internet research ) leaves one to three ringless voicemails per day on my phone threatening to come to my house or place of employment to " collect a debt. '' They've been calling daily for at least six months. They've threatened to contact my supervisor and to have me arrested in front of my coworkers. I called them and told them I'm onto their scam and to stop calling me, but they won't. I asked the person who answered what kind of company they were and where they were located, but all the woman would say is " we're a litigation firm '' and proceeded to tell me off about why I had no right to know what their address is. My phone number has been on the Do Not Call Registry for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions 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:
ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
can not find anyplace to dispute issue with trans Union - unable to reach live person or get information to receive pin number to remove credit freeze on my report. they suggested information needed to receive to pin being copy of drivers licence - bill and other things - they have not provided what " other things '' are needed. in order to speak with anyone live to get information I need to provide pin number which I have lost. I can not change credit cards - I can not get a loan w/o a credit score - I can not get a credit score with a freeze on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.

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 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed

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 2022-08-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
On XXXX XXXX, a sum of {$1000.00} was debited from my checking account to pay for a loan that I did not apply for.

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 2022-08-30
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had opened an account with Robinhood ( RHS ) Acct # XXXX around XX/XX/2022. I connected my bank account, verified my identity, sent in the proper documents including face scans, Drivers License and a copy of my Social Security Card. I was told that I could not access my account to transfer, withdraw or invest due to my identity not being confirmed. I challenged that and contacted Robinhood multiple times, sent copies of my social security card as requested and was told the matter was being investigated. It has been one week since a hood has been placed on my account and my money is being held under false and unlawful reasons. I simply want to close my account, transfer to another broker and have access to my funds as would be expected under the terms of service. 


There are multiple complaint/case files from Robinhood. They are ; # XXXX, # XXXX, # XXXX, # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: National Enterprise Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}

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 2020-03-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I been tried to be always on time but lately I have been struggle because we gained custody of my grandson no complains on that just money problems all I wanted was an extension for few days until next paycheck that will next Thursday that will be XXXX the XXXX only few day they denied it and that will be get me in trouble with my bank I don't know what to do like right now I don't even know if I still have a job believe me I want to pay I been doing it but they are NOT a very understanding people and a lot of people are on my shoes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
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:
ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/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 2016-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.

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 monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, thank you for looking a my complaint. XXXX and TransUnion done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile

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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I forgot to make my min payment on time this month. I think I paid it late at night after the cut off time. Cut off times are ridiculous in this day and age and I don't know why or how these banks are even getting away with it. i wanted to speak with this bank in regard to this late fee and there is no way to contact them online directly in regard to a question specifically on your credit card. Most have a quick contact us button for this. They do not. You are forced to call in and the phone/automatic system is set up to make your life difficult, forcing you to enter all your personal info and then still asking for an account number!! Then, of course, the hold times are terrible as well during this time. 

I am literally carrying a balance for years that I can not pay down. For the entire first half of 2019 we had experienced a severe hardship when my husband got laid off for over two months. I was awaiting SS XXXX for going on two years at the time. We were terribly backed up on all our bills including our mortgage. I did everything I can to meet our minimum monthly payments and not mar our credit and we barely came through unscathed. This of course caused us to accumulate a lot of interest on all our cards. I did close this account due to the frustration of getting hit with a few late fees during this hard time that i was forced to pay of course. Since then I have made a monthly payment on time, for a long time until this month. 

I think the interest is unreasonable and I would like to request that at least one year interest be waived as well as the current late fee, if I could get through to them! Times are hard right now. People are struggling. I made my payment. I'm sure there are many who aren't even able to do that. I don't think it's fair that I have to pay a late fee and I would like to request a credit on some of the interest. maybe I can finally clear up this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: Block, 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, a third party was able to access my device and make unauthorized transactions to transfer money to themselves. Although I responded to this transaction swiftly and opened up a dispute the same day, the company claimed they offered no protection against this kind of transaction. On XX/XX/XXXX. after 7 days of investigation, they ultimately decided to offer no assistance in helping me recoup my losses.

Company response to consumer: Closed with explanation