BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 2023-09-08
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XX/XX/2023, I sent a complaint to Venmo about this issue, but I have not heard back. Other users have the same complaint here. 

XXXX XXXX XXXXXXXX About a week ago, I was no longer able to login and access my venmo account. I just receive an error message that says " XXXX Exception : Unauthorized action.. '' I have XXXX XXXX XXXX sitting in my account that I need to access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
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 n 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 2022-11-30
Company: Experian Information Solutions 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:
On XX/XX/22 I received an email from Experian stating that I given limited information in regards to my dispute already in progress. This private company is demanding access to my social security credit card number which is negotiable instrument with no contract with me nor court order. It appears as if they are violating my right to privacy. The company has already utilized my personal information without my knowledge with other companies. These negative transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life for example a quality home, decent car and educational aspirations for my children. I feel like I am being extorted by Experian with these demands.

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 2022-11-30
Company: AMERICAN EXPRESS COMPANY
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:
American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation included a {$300.00} credit promotional oer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. 
Called American Express support multiple times and they conrmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit I called American Express again. I was assured that I had satised the terms of the promotional oer on XX/XX/XXXX, but was told the XXXX XXXX ' pulled back the {$300.00} credit because they felt I was not a new customer. 

American Express has stated that they made mistakes in their support and agreed that their telephone support did verify on multiple times that I had satisfied all requirements for the {$300.00} -- promotional credit and should receive the credit. 

WSL XX/XX/XXXX in an article titled 'Justices ( Supreme Court XXXX Weigh Limits on Corruption Cases ', relevant quote 'prosecutors used the " right-to-control '' theory of fraud, which treats depriving someone of complete and accurate information bearing on an economic decision as a type of property fraud ... right-to-control ' theory is a valid basis for liability under the federal wire-fraud statute. ' I believe that American Express deprived my of accurate information when I decided to provide my private information on their credit card application. My choice to share my personal information, was an 'economic decision ' on my part directly attributable to the {$300.00} -- credit card statement. American Express miss-used my consumer and credit information on a fraudulent promotional offer. American Express communicated the fraudulent information by phone and XXXX mail, which in my opinion also aligns with the federal wire-fraud statute. If American Express continues to refuse to provide the promotional {$300.00} credit that they used to solicit my business and personal information, I will seriously consider taking them to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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:
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 n 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 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 2022-06-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received stimulus check for {$4200.00} from the Department of Treasury of the U.S. issued XX/XX/XXXX it was mailed to my address in XXXX CA XXXX in the summer of XXXX. I delayed in cashing the check because I misplaced my mail key and I also wanted to check with the IRS if it was a check truly granted and issue to me. I checked online on the IRS website and confirm it was a legitimate stimulus check issued in my name. I deposited the physical check at my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in person at the XXXX, CA branch and XX/XX/XXXX I was able to review my account and noticed the deposit was reversed on XX/XX/XXXX. I called customer service and they informed the same check was deposit at Navy Federal Credit Union. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX Branch to get a copy of the check but unfortunately, XXXX XXXX XXXX XXXX XXXX didn't request the copy of the check processed by Navy Federal Credit Union. I was told they couldn't retrieve this information and I had to contact Navy Federal Credit Union or the IRS and reach out to their Fraud Department. After several attempts in person and over the phone with both credit unions. I was able to obtain a fax number to the Fraud Security Department at Navy Federal Credit Union when I called the customer service line XXXX the refused to put me in contact with their fraud department and all I was able to obtain was a fax number XXXX. I wrote my concern and sent them the copy of my processed check returned by my credit union for their review on XX/XX/XXXX and have not received a courtesy call back or email from their Fraud Department. I now received by XXXX the copy of the check Navy Federal Credit Union processed with the name of XXXX XXXX from XXXX, AZ and I'm going to complete a police report and I will deliver to them soon. My goal is to get an address where I can send this documentation after my complaint is filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: SYNCHRONY FINANCIAL
State: NY
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 cordance 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  Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility 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 2022-06-28
Company: Avant Holding Company, Inc.
State: KS
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:
Someone used my information to apply for credit with XXXX/Avant in my name on XX/XX/15 that I did not authorize. I called XXXX/Avant and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC claiming that I owe {$350.00} which is incorrect. I have tried to communicate with this company but they refuse to acknowledge the errors of this account. For the past 5 month I have tried to resolve this and they refused to correct there reporting on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Premium Credit Bureau
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:
In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Consolidated Information Services Solutions, LLC
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:
I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX  XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; CREDIT PLUS DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE ; XX/XX/XXXXXXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
What are the odds of you being a XXXX couple that owns XXXX XXXX owned businesses and your bank freezes your funds because of fraud or cant a verify funds from local banks? 

My wife received a small grant from the city of XXXX for her XXXX XXXX  for XXXX and she is told by citizens bank that the signature is fraudulent and they will hold this check 19 days to ensure its good. And then that same couple sells their house for XXXX, deposit the proceeds into their account and are told the exact same thing from the back representatives. I go to the bank and discloses the odds of flagging every big check deposited by these minorities without them being targeted. My wife and I, XXXX XXXX, have been harassed by Citizens bank repeatedly because we have large legitimate deposits. This last causes a problem in that we sold our house and we need the money to make a tiny homes purchase. At this time we do not have our home nor do we have our money that we have verified via attorney at a LOCAL bank. 

Why is my wife and I being targeted by citizens bank whom also declined every grant we have applied for our business. XXXX XXXX and XXXX XXXX XXXX XXXX. 
We are left with no choice but to pursue relief from being targeted based in our ethnicity. We will be contacting the Consumer Financial Protection Bureau ( CFPB ) as well as our civil rights office that our companies are consistently targeted by your bank end dept and are told we are somehow fraud, forged signature or cant be verified, or money isnt there lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX ( 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 2023-09-08
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
n 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 ( Golden 1 Account Number 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 2022-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for the card while living in the XXXX. That was about XXXX, XXXX. I was returning to the USA in about XX/XX/2022. Capital One approved a XXXX card with a {$2000.00} limit and sent it to my XXXX Ca. address. I got possession of it on XX/XX/XXXX when I arrived back in the USA. I had only put one charge on the card for {$89.00}. 
On or about XXXX, I went on line to sign up for " XXXX '' banking. From XXXX to about XX/XX/XXXX, my online banking page kept going XXXX. I would have to call the bank, they would send a special XXXX digit secret password via my cell phone and I could then use the secret number to get on line and change my password, get a new password. But, by the next day, the new password would not work ... and we would have to go thru the same old secret number game again to get on line. During that time, they must have given me about XXXX secret numbers ... and each one failed the following day. 
Between XX/XX/XXXX and XX/XX/XXXX, I paid visa XXXX XXXX the sum of {$2600.00} in XXXX separate payments. I did not know exactly how much I owed because Capital One did not send me a Statement of Account because I had signed up for ON LINE Banking... but my on line banking page never worked. So I kept sending in payments to stay ahead of my purchases. Then about XXXX, the bank told me that FRAUD-FRAUD- FRAUD had occurred on my account and they could no longer communicate with me by phone. I would have to write to them and enclose a copy, front and back of my state I.D.Card. I told them that I had just returned from an 8 year stay in the XXXX and I had no State I.D . Card. I offered a copy of my current USA Passport They rejected the passport and said they will not communicate with me until I get a Valid State I.D.Card. Then yesterday ( XXXX ) I got an email from them saying I owed them {$1300.00}, payable on or before XXXX. BUT, they will not provide me with any statements so I can verify if the charges were mine or were fraud. They told me my card was " FROZEN '' and I wan not authorized to take any action regard the card. SO, I am not going to pay the! XXXX UNTIL I GET A COMPLETE VERIFIED STATEMENT FOR XXXX AND XXXX. I want then to verify any and all charges made to that account ... .then I will pay for MY CHARGES. They refuse to discuss the account with me. I want to file this complaint so that both I and the Bank will have a record of the payments I have made and the charges placed on my account, whether by FRAUD or by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XXXX as well as Coinbase have altered the XXXX XXXX XXXX XXXX as of XX/XX/2021. Current supply shows between XXXX XXXX while before this glitch occurred during a huge increase in price the circulating supply was stated as XXXX XXXX. Those of us who invested at the XXXX XXXX circulating supply point either over paid for coin or the error needs corrected along with loss of value due to an error that has been now going on for 3 days. This is clear market manipulation and also needs investigated by the SEC as well. This is beyond believable that a company owned by hedge funds are actually allowed to rob people of a growing free market with manipulation like this. So to fix this issue either the supply value needs corrected or those of us who entered into a transaction with these companies need what we are owed due to false information. If this happened on the stock market this company would have fixed this instantly and these two exchanges need fined.

Company response to consumer: Closed with monetary relief