BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In connection with the retaliation, XXXX discrimination ( 15 U.S. Code 1691 ), fraud & other abuses my company and myself have personally been subjected to by Wells Fargo I am formally requesting an outside investigation & mediation seeking damages. 

I have been the victim of Wells Fargo opening up a savings account without my consent or any disclosures. I've also suffered retaliation and XXXX discrimination after bringing it to Wells Fargos about the fraudulent activity by wrongfully & unlawfully denying me credit ( 15 U.S. Code 1691 ), unlawfully denying mortgage refinance opportunities ( based on race ), denying business credit line increases ( based on race ), & blocking secured business credit line graduations ( based on race - 15 U.S. Code 1691 ). All this compounded by the retaliatory nature by which these offenses took place they also closed my secured business credit cards unjustly even though the card is in good standing and with a low balance and did not return the original deposit for the card. 

They also failed to disclose/discuss with me about the XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX and i am the only first-hand competent witness to these events that have taken place. see attachment below

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 2022-09-29
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had accidentally submitted a payment to my CHASE VISA Credit card for {$15000.00} instead of {$1500.00} from my XXXX Checking Account XXXX alerted to me my mistake and that my account would be overdrawn, but I cancelled the payment, However CHASE had posted the payment anyway. I had alerted CHASE and XXXX of the issue and they both assured me that everything would be sorted out. 
XXXX had confirmed that the payment never left the bank. 
CHASE ended up charging us for the {$15000.00} adding to our balance, overdrawing our credit limit They have admitted that the mistake was on their part, but is telling us that it must go on a review board which will take 30 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX, I received a letter dated XXXX, stating on XXXX that I applied for a credit card through PayPal that I did not apply for. The card was denied due to inability to verify my identity. It took 2 hours to reach customer service representatives in order to address the issue and have my information flagged so that it could not be used in the future. The letter I received was from Synchrony Bank XXXX. XXXX XXXX, XXXX FL XXXX. There is no information to contact them to dispute the concerns, so I had to search for it online. I was never notified by PayPal or Synchrony that someone had tried to apply with only some information, so the fee for identity theft notification was wasted. I called and they could not provide me with the information the person gave unless I mailed out for it in writing, which I will be doing to press formal charges against the individual. The representative said they were handling the situation, flagged my information, and have requested the removal of the inquiry from my credit report, but said it could take up to 30 to 60 days for notification. I have closed out my PayPal account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi paypal Inc just ban/permanent limited my account here 's the reference number : XXXX I don't why paypal just ban my account without any reason I read their term & condition and didn't see any violation I've done when I ask their costumer support they just telling me they can provide specific reason like huh?? 

Hi paypal you know I have still money in my account and I need that money but you see what have you've done I cant get my money because you ban my account.You see I use youre service because of my business, this is the only way client can pay me but you ban my account! Am trying to reach you out on a phone call but you're unreachable. PLEASE FIX ALREADY MY ACCOUNT. 

THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: OneMain Finance Corporation
State: VA
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:
XXXX XX/XX/XXXX One Main was contacted by mail stating they are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my CREDIT BUREAU consumer report on ( XX/XX/XXXX and XX/XX/XXXX ) and without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681section 602 states I have the right to privacy.

15 usc 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.. 
15 usc 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: NJ
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 a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.

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 2022-10-22
Company: Professional Finance Company, Inc.
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 allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Professional Finance Co ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail, Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Was reviewing my credit report and noticed 3 companies that i didnt authorize to obtain a copy of my credit report one had run my credit 5 times in one year and the other 2 had ran it twice the same year all that i didnt authorize so when i called trans union to discuss the matter the operator was very rude and didnt really seem to be listening to my problem nor cared just kept saying oh i understand & oh Im so sorry like lady please stop saying that your not sorry because your not trying to assist me with the matter as to why i called. When i asked her to send me verification of the inquiries and an update of report the operator kept going around what i was asking her to do and kept saying i have to contact the company that requested the copy of my file but when i stated that I had already done so and they said i have to contact the credit bureaus. It was my understanding thats its trans unions job to report accurate and updated information and i have a right to request documentation that the inquiries are accurate. Once i stated i did contact the company that had requested a copy of my file we would then again run in circles with the conversation. As i was talking she kept putting me on mute for long periods of time after id get done speaking Id say so i was put on mute once again? Shed take moments to respond then say oh no we sat on the phone for 22 minutes and got nothing solved or accomplished she just kept running me in circles. Terrible customer service. I want help!!

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 2021-09-01
Company: CITIBANK, N.A.
State: OK
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: Problem with personal statement of dispute

Complaint:
I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.

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 2022-08-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Im a trader of Bitcoin on the platform XXXX. I opened a Venmo account to receive payments. Shortly after I received an email after attempting a transfer to my bank of the funds received stating that my account was frozen. I immediately provided my Drivers License and the documents of the sell. I was told that my account could be permanently disabled and the funds reversed. I purchased the Bitcoin 's to sell for profit out of my weekly pay. I'm a single parent and the funds that are frozen are literally all I have. I'm begging for assistance. I've attached the documents of every sale that was sent through Venmo. I'm a hard-worker and would never do anything to cause myself more financial harm. Please if there's anything you can do to assist me, I would greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX a dispute with XXXX Experian XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since 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 2022-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX a dispute with Equifax XXXX XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Associated Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Associated Credit Union sent me letter alleging I owed them a debt. 

I mailed them a letter on XX/XX/2021 asking them to furnish proof. 

They mailed me an invoice that did not have any signatures or contract language showing I owed them or the original creditor what they're claiming I owe. 

Only XX/XX/2021 I mailed a second request for compliance. 

They NEVER replied to my request for compliance, instead they waited until XX/XX/2021 and sent me the exact same letter they on XX/XX/2021. 

Due to the fact they ignored my request for proof twice, it is my belief that they're attempting to see if I do not respond to this letter in their 30 day time window so they could unlawfully post their account to my credit report. 

I am sending this complaint in hopes that they stop harassing me for good. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I was marked 30 days late in the month of XX/XX/2018. I have asked Citibank to look into this matter 5 times in the last 4 years and each time i have been told that the dispute has been closed. My account is listed as " in dispute '' When the account is listed as this fashion it means that they are looking int it. They have a maximum of 30 days to do so by my interpretation of the fair credit reporting act. What i want is simple. I want this late payment permanantely removed from all current and future credit reports

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 2022-08-02
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: Account information incorrect

Complaint:
On Friday XX/XX/2022 I disputed incorrect information on my Transunion Credit report. They have XXXX collections reported as open when in fact I have no accounts open with either of these collection agencies and these both are included in my XXXX  XXXX bankruptcy. I demanded their removal and Transunion refused as they are in violation of the FCRA for reporting very incorrect and inaccurate information. On Today Tuesday XX/XX/2022 I received notification that my dispute was completed, but I have NO results and the accounts in question have NOT been removed. According to the law, an investigation has to be completed and was NOT as I do not have results nor do I have proof one was done, and I also have not been granted access to these results ... Transunion is in violation of my rights under the FCRA

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 2023-01-26
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my cell phone service, provided by XXXXXXXX XXXX stopped working. I later found that my XXXX card was hacked and someone was getting 2 factor ID texts while they illegally had access to my phone service. An attempt to take {$3000.00} from my XXXXXXXX XXXX account was thwarted due to my quick actions. However, I was not so lucky when it came to my Coinbase account. 

The individual who hacked my XXXX card was able to access my Coinbase account which based on the market at that time was worth approximately {$2500.00}. Coinbase replied to me stating that they are not liable for the unauthorized transactions. They provided a detailed record of the unauthorized transactions, yet they stated that it would not be possible to recover the assets. Coinbase gave me detailed instructions to recover the remaining assets in my account. This process consisted of several " id selfies '' and creating a new account. On XX/XX/XXXX Coinbase notified me that the remaining assets were sent to my new account. My new account was now worth approximately {$15.00}. 

I had several smaller amounts of less known cryptocurrencies in my account, but for purposes of this complaint, I have provided below the largest portion of my investment that has gone completely missing : XXXX XXXX coins - worth approximately {$1500.00} XXXX XXXX coins - worth approximately {$600.00} XXXX XXXX coins - worth approximately {$650.00} These assets should be refunded due to the unauthorized activity. Coinbase should be able to recover these assets by conducting an investigation. I am requesting a full restoration of my account to the assets held prior to XX/XX/XXXX at the current market rate.

Company response to consumer: Closed with explanation