BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I entered into a agreement to have several facial treatments with XXXX XXXX  in XX/XX/XXXX. They immediately started billing me although no services were rendered. I contacted XXXX, but was told to make an appointment for treatment which I did in XX/XX/XXXX. I only had one treatment but the experience was awful. The technician used an ineffective XXXX XXXX  to numb me before XXXX XXXX XXXX The XXXX  felt like hot coals and I suffered excruciating pain during and after the XXXX XXXX. I further omitted and had XXXX  for a few days. I couldnt even touch my face, it felt like it was on fire. 

A few days later, I called XXXX XXXX and told them that I would discontinue treatment and that they should stop billing me. I would pay for the service used so far, but felt that this type of treatment wasnt for me. They apologized and convinced me to give it a second chance and that they would use a different numbing technique, so I begrudgingly made a second appointment in XX/XX/XXXX, which was subsequently cancelled. 

I am now paying for a service I can not use and they are refusing to discontinue billing. I first called Ally, the company thats been billing me monthly since XX/XX/XXXX for {$97.00}, but ALLY referred me to Laser Away. When I called XXXX XXXX  they referred me back to Ally. So apparently, Ive been caught up in some sort of scam or catch XXXX situation. I dont know what to do. Ally recently sent me a notice stating that if I dont pay the full balance of {$730.00} by XX/XX/XXXX, they would start adding interest to my payments. So I am really motivated to resolve this as soon as possible. 

Allys contact number is XXXX and XXXX XXXX XXXX XXXXXXXX. 

Is there anything you can do to help me.I can be reached at XXXX. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
I contacted TransUnion in regards to a bankruptcy reporting on my public records file because TransUnion has all inaccurate information labeling this case as a paid discharged XXXX XXXX and this case was in fact dismissed and closed and never discharged nor was it paid but when you look it up on TransUnion they have this case labeled as XXXX discharged. 
Case # XXXX FILED XX/XX/XXXX Terminated : XX/XX/XXXX Debtor Disposition : DISCHARGE DENIED FLAGS : Repeat CASE CLOSED TRANSUNION HAS IT LISTED AS FILED XX/XX/XXXX Date paid : XX/XX/XXXX Type : XXXX XXXX BANKRUPTCY 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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.

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 2020-10-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PR
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:
How it started in XX/XX/XXXX : I disputed some information via XXXX regarding the XXXX UniversityXXXX student loan account and XXXX deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both XXXX  and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by XXXX my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to XXXX the information of my payments and student loan. 

XX/XX/XXXX - XXXX answered " The data servicer XXXX University will need to submit an account reinsertion request to XXXX ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies CB INDIGO Account Number:XXXX 15 U.S.C 168 s-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 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My debit card was used somehow to withdraw over {$9800.00} from my Checking account at SunTrust now truist at the end of XXXX in XXXX  I was leaving for XXXX boot camp on XX/XX/XXXX of XXXX  I called SunTrust after I realized my account was negative {XXXX} I was assured that I would not be held liable and I would be reimbursed my funds while I was away at boot camp. While I was at boot camp I could not have any communication with the bank and I made them aware of that before I left. They sent me a rebuttal form to my address while I was away but I obviously could not get that paperwork back to them due to me being in boot camp. When I got out of boot camp I realized I was still negative XXXX in my account so when I got back to where I live XXXX Florida I went to by local branch a d explained what was happening to a personal banker we called the fraud team and they resent the forms for me to fill out which me and the banker did together and we faxed it in that day the fraud process takes 45 days to complete and on the XXXX day of waiting I was declined my funds because of the fact that I didn't submit my rebuttal forms the first time. I called the banker and scheduled an appointment and we contacted the fraud team again and explained as we had many times that I was in boot camp for the XXXX XXXX and could not have gotten those forms back to them the first time they were sent they then said I could have one more chance to resubmit my forms but it would take another 46 days and they would need proof of my military documents so we faxed all of that information to them that day military documents and a new rebuttal form another 45 days later and I was declined again for no reason. I asked them why I was declined and they did not give me a reason I've given everything they've asked for and they refuse to give me my money back and now on top of it since the account was negative XXXX they've sent it to collections and are now trying to collect that money from me. 

I told the fraud team that they have cameras on the ATM why can't they look at it and tell that it's not me making the transactions and they told me verbatim the cameras on all of the ATMs are fake and just for show which I know is obviously a lie. 

DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX ______________________ DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX I have 2 separate dispute cases open 1 in the amount of XXXX the other in the amount of XXXX 1st dispute case # XXXX 2nd dispute case # 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 2022-12-14
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:
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 XXXX 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 2022-03-21
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  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 2022-03-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We need legislation that makes it much easier for consumers to close their credit card accounts. For my Citi Credit Card, closing my account required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change your mind tactics. The line " disconnected '' twice. Require these companies to allow users to close their accounts online with a click.

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 2023-10-13
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my XXXX and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: NAVY FEDERAL CREDIT UNION
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I filled out the personal financial management application that is required by NFCU to obtain help with payments. My request was denied and the representative told me that they wouldn't offer me any assistance because I had received assistance in the past. However, they offered assistance to my husband- who has also received assistance in the past for exactly the same type of issues/hardship and for the same amount of time. I know because I had a poa to be able to request this assistance on his credit cards and loans. I discovered that he had been approved for assistance when the joint credit card we have showed a lower payment and an interest rate of 3 %. Meanwhile I am not able to receive assistance on my individual credit card and loan. I have attached a copy of the credit card statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery at XXXX called my DAUGHTER on XX/XX/20 at XXXX XXXX  on her cell phone regarding a six-year-old debit in my name. I disputed this charge years ago and contacted the company that time. I do not want to contact the company again upon advice from attorney who advised that by my calling the company to dispute the item, it will start the official time period that Portfolio Recovery can use to harass me. Several years ago, Portfolio Recovery called my neighbor and asked the neighbor to deliver a message to me. This company routinely violates the debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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