BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: BARCLAYS BANK DELAWARE
State: CA
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 had a fraudulent charge on my credit card on XX/XX/XXXX in the amount of {$440.00}. 
I reported it and cancelled the credit card and received a new card. I received a letter in the mail confirming the fraud investigation and stating that I was eligible for a credit. I called in the beginning of XXXX as I never received the credit and they stated that the fraudulent charges had been removed from my account. The fraudulent charge still shows up on my account. I have paid the bill for this amount and am expecting a credit in the amount above. I called them again today XX/XX/XXXX and they don't seem to have any record of any call in XXXX. They are doing nothing to reimburse me the amount of the fraudelent charge. I have to wait on hold 30 to 45 minutes each time I call.

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 2023-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: OH
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:
On XX/XX/2023 I informed in writing to WELLS FARGO CARD SERVICES that it is an unauthorized inquiry on my consumer report without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Good morning, I submitted a complaint for a number of violations conducted by Avid acceptance located in Utah. A car loan financing company that charges excessive fees, excessive interest rates, commit predatory lending and promote deceitful advertising as well as harassment over the phone. I have not received any notification from you as of yet with potential solutions and steps to take or advise on how to proceed with the scam or scams perpetrated by this institution. I am aware of the preference of some companies to communicate via emails or text messages. As a courtesy and due to the pandemic I am communicating again asking for your assistance. My assistance requirements are no to peddle money or get free anything. My desire and mission is to bring scoundrels like these to a higher authority so they stop their horrible and misleading practices against me and perhaps against other victims. If at all possible I would like to get an update of my previous complaint on the same subject. My information can be found under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX My email address is XXXX Thank you in advance and please stay safe.

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 2023-12-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I do not dispute the fees charged me are allowed by contract. I complain that the fees are excessive. The bank offered a refund ; I am not worried about my XXXX. I am concerned about those who are crippled by these fees. 

On XX/XX/23 I used a XXXX XXXX XXXX to access my BMO XXXX account to : XXXX ) inquire about my balance XXXX ) withdraw XXXX from my account. 

I was charged : XXXX from XXXX for the inquiry, XXXX by BMO for the inquiry, XXXX by XXXX for the withdrawl. ( I was expecting this. ) XXXX by BMO for the withdrawal for a total of XXXX. 

For sake of documentation, I videotaped the same sequence while withdrawing XXXX. XXXX on XXXX is XXXX %. The XXXX charged by BMO is XXXX % of the XXXX I got from the XXXX. This is too much especially for a low income person who typically will be withdrawing smaller amounts of cash. 

XXXX replace tellers at XXXX XXXX XXXX branch banks. They save banks money. They are convenient but they also have negative social consequences. Banks should not be charging us to use XXXX while replacing workers and emptying storefronts. I should be able to see my balance and to withdraw funds for free as it had been and still is in the XXXX branches. 

The banks are part of the down escalator for low income persons and up escalator for the shrinking middle. I will now shop for a new bank that will pay me XXXX to open an account and cash back on purchases. 

Banks no longer serve a useful purpose. Their functions should be taken over by XXXX and all Americans given a fee free bank 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 explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false 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 2023-10-07
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
While I was asleep at XXXX in the morning on XX/XX/XXXX my chime bank accounts were hacked. All of my checking was gone and savings and they opened up a credit card in my name. They put thousands of dollars from my savings onto the credit card and spent it all. They gave me my checking account back within a few days however its been over XXXX months that Ive disputed it numerous times and done rebuttals. I sent them an email of how I got text messages when the hackers changed my phone number on the account. All of the charges for XXXX were in the middle of the night and all of the ones that were on the credit card that the hackers opened were all to XXXX name via XXXX XXXX. I do not have XXXX XXXX and I do not know the person that all the transactions were to. I have been fighting for months now to have them get the money back and close the credit card and put the money back into my savings account that was stolen from me. I have no idea how they arent able to see it was obvious fraud there are so many red flags and Ive provided them with additional information and screen shots showing the hackers changing my account info. I am now in my third rebuttal with them and still from any of the previous ones have I gotten any documentation as to why they arent resolving this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
please delete unauthorized inquiries 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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-11-25
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took my daughter out of this XXXX and they continued to charge me. In addition to them checking her in on days she did not attend and I emailed director about it but no one ever responded then the center closed due to staffing issues. I cant talk to anyone there because the center is now closed and they changed staff in our short time being there. I do not owe anything and I want all credit bureaus updated. 

I let XXXX know in person first about my daughter not coming back then emailed them later on. You will see in the attaches that I messaged them about them checking her in on days she didnt attend and they never responded and now they reported {$350.00} owed and I dont owe anything.

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 2023-06-30
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-07-20
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to XXXX, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is zero.

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 2023-07-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NM
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. 

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 non-monetary relief
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: NJ
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:
In XXXX I contacted Citi bank to let them know that I was affected by the pandemic. They gave me 1 month extension for a payment. In XXXX I made a payment that brought my balance from 79 % 0we 'd to less than 10 %. The say after I made a huge payment they hit me with a late charge of almost {$60.00}. When I asked if there was something they can do about that. They stated they gave me a break in XXXX and it was a one time thing. When I stated that a just made a huge payment, a supervisor said it didn't make a difference if I paid {$30.00} or {$3000.00}. I had just made a payment over {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$4900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased furniture from XXXX XXXX XXXX and its the credit card issued they said this card would not be charged until o received my product the purchase was made XXXX XXXX with a eta of XXXX it is now XX/XX/XXXX I still have not received the furniture but my card was charged. This is unethical and caused me to lose 30+ point on my credit. After the eta wa a passed the contract became void and this card should not have been charged i reached out to the furniture company because its hard to get in contact with a representative at both places I want this fixed the card was charged XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2021-11-30
Company: EQUIFAX, INC.
State: NJ
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX {$2000.00} were sent to mother venmo account, which funds were ultimately sent via instant tranfer to XXXX XXXX. Venmo never sent the funds to XXXX XXXX, now is XX/XX/XXXX and after multiple attempts for an explanation the regional manager said they've had a glitch in their systems since XX/XX/2023 which causes transactions not to go through so the money is held hostage by venmo. Representatives said they could not provide an explanation, an estimated time to fix the issue, where the funds are or when we will receive our funds. 
Now we have financial hardship and damages as we can not pay rent, utilities, food, medications, etc. 
They did not provide an alternate solution, a corporate office phone number or any other venmo initiatives to help the affected clients. 
Basically they are holding customers money hostage and failed to publicly warned their users about their glitch.

Company response to consumer: Closed with explanation