BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 non-monetary relief
Consumer complaint received 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amex denied a {$120.00} charge for no reason, and after making a payment the balance in full 30 days prior to the due date cause they set an extremely low limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. Also, the information you provided on the accounts has doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I recently disputed negative items on my credit report and didn't get a response back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 


Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Victim of identity theft. Someone has been using my personal information, and it has been added to my credit report without my acknowledgment or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of Wells Fargo 's ( WF ) " resolution '' of my Complaint No. XXXX, WF agreed in its Response to my Complaint to pay me {$25.00} in XXXX, 2022. They have never paid me. The {$25.00} is obviously trivial, but this conduct is just more evidence that, no matter how many times WF is punished for fraudulent, reckless and shoddy business practices, they still have no hesitation to make blatant misrepresentations, even to Agencies that are required to regulate WF. I have no doubt that WF will claim its failure to pay me was a simple mistake. However, I ask your Agency to review Complaint XXXX. In my opinion, when viewed together with my prior Complaint, I think the more likely cause is that WF has instituted an XXXX  wide culture and procedure to delay payments of money owed by WF to its customers. I am requesting that WF be ordered to pay me the {$25.00}, and that this additional misrepresentation be forwarded to any Agency investigating the conduct of WF.

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 2023-02-03
Company: Netspend 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:
My name is XXXX XXXX, I recently had a series of unauthorized foreign transactions, signature transactions from XXXX. I am in Florida, have been in Florida for going on 12 plus years now I have never left Florida. They some of {$1000.00} was taken out of my account without my permission. I was sitting in my bed at night watching my bank account as someone repeatedly charged my account {$13.00} over and over and over. I actually had to get up out of bed and run to the ATM and pull out as much of my money as I could before it was all gone. I've filed a complaint with my bank and they told me that I had to wait 10 days before they would issue the funds temporarily. Today is the XXXX day, the XXXX of XXXX. They told me that I would have my funds today and again now they're telling me that I could have to wait 45 to 90 days. I don't have a lot of money now I have late fees I can't pay my rent so not only am I missing {$1000.00} for my bank account I have to come up with XXXX different late fees and this is a nightmare. My bank is with NetSpend XXXX XXXX. Do not get any sort of account here. I have had several issues with this Bank and this most recent issue is way over the top. I've had an account here for going on 2 years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Late XX/XX/2022, met with Bank of America representative to close account and receive refund of my IRA. 

XXXX telephoned Bank of America as recommend by representative and was advised that she would close my IRA account and mail to me a refund of me deposit. 

XXXX having received nothing from Bank of America, telephoned again and again advised my account would be closed and a refund of my IRA account mailed to me. 

I received a letter from Bank of America, dated XXXX, advising me that they were unable to process my request as the funds are currently on hold. 

XXXX I sent a letter to Bank of America requesting information as to the hold and to refund to me my IRA. 

XXXX sent another letter to Bank of America again requesting information related to the hold and to refund my IRA to me. 

To date, I have received nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
I received your mail Equifax, you seem to be confused about my request to have negative items removed from my credit report. you Equifax are committing fraud! According to chapter 15 U.S code section 1681 states a consumer report should not include a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. to put in layman terms the experiences reported on my credit report like utilization is not permitted. all accounts on my report showing balances should be removed immediately! my accounts should show zero balances. all inquires should be removed. furthermore it also states that my report ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. you have all my personal information shown to the public and this violates my rights to privacy. this puts me in harms way and in danger. have all my information removed as soon as possible. Adding on ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication; and ( iii ) in the case of consent under clause ( i ) ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. this is self explanatory i did not ever gave you consent or permission orally or written to furnish my personal information. this is IDENTITY THEFT! ( v XXXX XXXX. The term XXXX means the XXXX. [ XXXX ] ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX Equifax why are posing as XXXX. you are a third party. reseller of my information. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v XXXX XXXX. show me proof of any agreement that allows you to do this. if not you admit to knowingly breaking my federal laws and putting my life in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$300.00}.

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 non-monetary relief
Consumer complaint received 2023-06-25
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I borrowed {$65.00} from my nephew and he sent the funds to my Venmo account. So I logged into Venmo and tried to transfer the funds to my debit card and I was alerted my account was frozen. So I contacted them on XX/XX/XXXX via Email, Phone and chat via the app and gotten no response, So then I messaged Venmo Support on XXXX and still no response. So I contacted a live agent again XX/XX/XXXX and they informed me I would receive a email on how to unlock my account and I still have not received it. This is not the first time I had issues with this company, Back in XXXX of XXXX I ran into this same problem however I was able to resolve it that day. Also keep in mind during each email and chat session I provided my state issued driver license. Venmo is a Paypal company which I have had an active paypal account for over 10 years. 

I just want my money released, so I can close this account and move on with my life. 
I borrowed this money for my medical condition and I have to suffer and wait to fill my prescription because this company is playing games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This medical debt is from Charter Communications XXXX XXXX XXXX XXXX, CBE Group is the collections unit. I had to move during the recession of 2022 XXXX a couple days fast when I had covid back to my hometown and return their equipment. I did that, but they did not take their XXXX XXXX back. They said it had been rented and now it was mine to have to pay. They also said that they do not cover coverage as a Mobile Wireless carrier for XXXX  for the Phone I had from them to the area where I moved to in XXXX. I had no job, no income other than XXXX Social Security XXXX, and was highly upset they could not work with me via XXXX  side of things and repeatedly harassed and called me to pay them when I have asked them to remove me from contact. They have no right while I am not working to collect on any bill just by trying to use my only low income source of Social Security XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX, XXXX and Transunion requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX, XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : 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 non-monetary relief
Consumer complaint received 2023-03-17
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I stopped making payments in XXXX of 2022. Since XXXX of 2022 they have been calling me for my payment. I have told them multiple times that student loans are on pause and I will not pay them until the pause is finished. Navient tells me that my loans aren't on pause and I need to pay. I checked and my student loans are Federal loans so I should be good. When I tell them this they stop calling me for two or three days, but then they start calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
I am interested in processing disputes for all inaccurate information on my credit report with Transunion. review all the data and remove the information needed to correct my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase Sapphire Preferred card advertises that you have XXXX points or {$960.00} to use towards a ticket purchased on their travel site but when you try to buy at the published price you find a system error call a Travel Advisor. As you call you are informed that the airline have changed the price and the new price is, coincidentally, the same as original PLUS {$960.00}!!!

I declined the. Purchase and went to the airline webpage where i could purchase at the original price posted and CHASE Travel site In other words, Chase, dishonestly, maneuvers the prices on their site in order to nullify your rewards buying power

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received late notices on XX/XX/21, XX/XX/21, XX/XX/21 from Wells Fargo. I had this set up on automatic payments so I could not be late, but I was late XXXX  times with Wells Fargo handling the money. They did not have a payment on the phone option, or an online payment option if you did not have a Wells Fargo bank account. I did not have a Wells Fargo bank account so it was difficult to pay my payment on time if I did not pay it weeks in advance. When I called Wells Fargo to ask why my payment was late, she said not to worry about it, that we are given a XXXX week period for the " check to go through ''.

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