BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account frozen XX/XX/XXXX - no reason given I reached out multiple times to resolve this, since last year - Venmo refused to provide additional information or to resolve the complaint, and even said they would not even try to resolve it - in one email they explicitly refused to tell me anything about the closure XX/XX/XXXX - email from Venmo saying it was frozen XX/XX/XXXX - email from me enquiring about the freeze XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo noting it was forwarded to another team XX/XX/XXXX - email from me following up, as Venmo never responded after the last email XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo where they refused to give any information about my account with my funds in it : " Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. '' XX/XX/XXXX - email from me asking how I can resolve XX/XX/XXXX - email from Venmo repeating the same response, with the additional line " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' XX/XX/XXXX - email from me reaching out to resolve XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo forwarding to another team XX/XX/XXXX - email from me following up XX/XX/XXXX - autoresponse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: U.S. BANCORP
State: NE
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:
This is a complaint to follow up with my previous complaint number XXXX I am adding to that complaint to further explain my frustration with USBank. When you pick a bank out of all the banks you have the expectation that they will respect your privacy and rights as a customer. The Electronic Funds Transfer Act ensures that if the fund transfer is " unauthorized '' the bank has to correct any errors within one day from confirming the error, this includes refunding the money taken without authorization. It was confirmed to be via phone that the charge is confirmed fraud. Such a large charge should have NEVER been allowed to be removed from my account. The bank recognized it as suspicious activity by immediately locking my account, but never stopping the transfer. USBank should be responsible for always monitoring transactions especially ones they recognized as fraud. Banks show that they care about their customers by not allowing transfers that are considered unusual or suspicious to be authorized. A person committing fraud is not the customer 's fault. The Bank to solve these issues must 1. Promptly investigate the reported errors AND report its findings withing three business days of completing the investigation. I still as I'm writing this complaint have no idea why the bank has both denied my request, while also admitting the transfer was fraudulent. Even if the bank believed the money transferred was authorized by me it is their burden to prove that. I am writing this complaint to further my investigation of this. The bank claims that its out of their hands, but what's actually happening is illegal.

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 2022-12-12
Company: EQUIFAX, INC.
State: NC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX and again in XXXX of XXXX Target reduced my credit limit, negatively affecting my credit score. 

I am a great customer. I member of both their XXXX XXXX debit and credit program, as well as the Target XXXX rewards. 

I make payments every month and most months make more than the minimum payment. 

The practice of lower my credit limit, despite there being no negative issue with the account, is impacting my credit and a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
company states I owe {$5000.00} for a wells fargo credit card from XXXX. I never had a credit card in XXXX company states they will garnish my wages, take my home and my vehicles. They are willing to settle for {$3000.00}. I have requested proof of debt and was advised if they provide that information the settlement offer will be voided and the total {$5000.00} will then be due. If they provide any proof it will have to be through court proceedings. only document they can email me is a contract for me to sign for payments.

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 2020-04-17
Company: CITIBANK, N.A.
State: ME
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:
My husband and I purchased " XXXX XXXX '' class tickets from XXXX XXXX to travel from XXXX XXXX   XXXX to XXXX on XX/XX/2020. Because of COVID-19, XXXX XXXX cancelled our flight and made multiple attempts to rebook us on other flights flying through various cities, sometimes on partner airlines ( e.g., XXXX, XXXX XXXX and with a reduction from XXXX XXXX to XXXX class. At no time did the airline consult with us on whether our ultimate itinerary could accommodate these changes or to offer compensation for the reduction in seat prices between the two classes of service. We made several attempts to reach resolution with XXXX XXXX, which was ( and still is ) charging us {$20000.00} ( see attached documentation ). 

When these attempts failed, I filed a dispute with my credit card company, Citi Cards, and I was granted temporary credit for the disputed amount pending an investigation of my claim. I was informed that, because I cancelled my plans, XXXX XXXX did not owe me a refund ( see attached ). I wrote back to Citi immediately pointing out the cancellation was not mine but XXXX XXXX 's ( see attached ). Since that time, I have received no further communication from the company with the exception of my monthly bill. I have e-mailed Citi several times and I called their Customer Service office, but the automated system terminated the call before I could speak with a Customer Service representative.

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 2022-07-28
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: Information belongs to someone else

Complaint:
I have spent countless number of hours and times requesting the bureau to dispute these fraudulent accounts and I have not gotten a response on the removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: CA
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:
As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my credit card account one week after filing my last cfpb complaint because they refused to cash a check. This is credit discrimination and will directly effect my XXXXredit score. This is retaliation and against ECOA. They sighted a complaint they sent me a month back about cursing at them, which I had not done since and have a history of shutting account to down without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Account status incorrect

Complaint:
I have sent mutliple complaints to the credit reporting company about incorrect information and they keep acusing me of using a credit company when the information is being sent directly from me about the incorrect information on the credit 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 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
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 and XXXX XXXX XXXX has XXXX XXXX rights. 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2022-08-01
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: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX  ( XXXX ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 explanation
Consumer complaint received 2022-08-23
Company: Avant Holding Company, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A fraudulent charge was added to my card I called Avant right away they got the charge removed from my balance it was a {$100.00} charge the very next day there was another {$100.00} charge on my card I called them several times to try to find out what it was finally they put me in touch with somebody in the fraud department I called her XXXX times and never got one return call meanwhile charges are adding up from this {$100.00} the payments and the late payment so finally one day after calling the fraud lady again the next day the {$100.00} was off of my balance however the accured money from that {$100.00} was still on my balance since then they have reported me to the credit bureau for money I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Eastern Acct Sys : The account was placed in a collection without any notification by mail. Eastern Account System did not send notices to my address listed at any time all correspondence would be received and addressed accordingly. If I had moved, all mail would have been forwarded to my XXXX XXXX or my address which I have not received not one letter. On XX/XX/XXXX ( date provided for a billing date by XXXX XXXX XX/XX/XXXX. This bill was cooked up with to harass me and to XXXX me over for money I do owed. The original creditor did not contact me prior to placing me on a collection, If I owed a medical bill it would have been paid by my insurance that was verified. Eastern Account System contacted me with several threatening calls, I hung up the phone on the threats. Eastern Acct Sys did not send me any written notices of account would be reported to the credit bureau. No attempts was made at any times by mail only threats by phone which I did received several harassing and threatening calls from the collection agency, my response was that I do not owe you all and please stop threatening me about suing me for something that I do not owe. I did not deserved to be harassed for any bill. I disputed the debt several times directly with the credit bureaus, and requested a validation verification which was not sent tome to verify the debt. No other communications were received by the Collection agency. There is absolutely no unpaid medical bills due on my behalf which can verified with the hospital. I filed a validation of debt with the credit bureau in XXXX no response to the validation letter. In addition, I have a primary and a secondary Insurance which all or any medical bills would have been paid. This company is running a scam to receive money not owe. I reached out to the original credited who stated I do not owe them anything. The collection agent stated that I had a procedure to my chest ; if I had this would be a Hippa violation to release any medical information. I will file with Hippa prior to court action. 

Statement was sent to XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear XXXX Credit Reporting Agency , Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. In addition please validate and provide me with the original contracts for the following listed below. 


Eastern Account Systems, Inc Acct Number : XXXX This letter was sent to XXXX on XX/XX/XXXX I requested a validation to be provided, I have not received any evidence confirming a bill,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and Information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$47.00} 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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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