BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: NJ
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:
3 fraud charges on my Citi Diamond Preferred credit card, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}. These charges were disputed with Citi Bank in XX/XX/XXXX when I started receiving late payment emails from Citi. I called them to report that they were fraudulent, I was told they would open a case. I continued to get late payment emails and phone calls asking for payment. I called them many times between XX/XX/XXXX and XX/XX/XXXX and have spoken to many representatives who say this will be resolved, there are language barriers and most of the reps seem to have trouble understanding. There were 2 cards involved, the original card that had the fraud and a replacement card they sent me. Apparently all the fees and late charges from the original card were transferred to the new card ( I canceled this new card on XX/XX/XXXX ) because I want to end my relationship with them due to their incompetency in resolving this issue. I sent them a letter dated XX/XX/XXXX explaining all of this in writing, I have not received a response. What concerns me the most is that this has impacted my credit score which has always been in the low XXXX 's now it is XXXX. I became a widow 2 years ago and count on my outstanding credit for my future needs. 
Before these fraud charges occurred I had not used this card in a few years, I should not be responsible for any amount due. 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received checks for a well fargo account in my name that I did not own. XXXX would not help me.

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 2018-08-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.

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 2023-05-07
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i recently check my credit report and notice 2 accounts that are not mine and are a result of identity theft. both accounts are from LVNV FUNDING LLC and the original creditor is XXXX XXXX XXXX. I never had any account with either one of these companies and request that these accounts be deleted from my credit report ASAP. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My parents had a trust account with Wells Fargo, and after they passed away my sister and I were trustees on the account. All documentation was given to Wells Fargo and we were able to deposit and withdraw money with no problem. The account was eventually closed, and Wells Fargo sent me an interest check for XXXX dollars. I tried to cash the check at Wells Fargo and they denied it. The check was written in the trusts name. Wells Fargo stated that the check needed to be written in my name. I called the company and had the check re-issued but they still put it in the trust name. I have contacted numerous different officials and also have a customer service rep that will not return my calls. Therefore they have my money and they will not give it to me.

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 2023-02-03
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I took out a Federal Parent Plus loan. In XXXX, it was switched to a private loan. I was never notified. In fact, I have never been contacted by mail, email or phone of any changes at all On XX/XX/XXXX, I was incorrectly advised of a deferment date. I have been given different answers each time I call Nelnet. I was told I believe in XXXX, XXXX that I was ahead on my payments because I had payed interest each month of XXXX $ during the first year of the pandemic. Thus I was in deferment till XXXX. On XXXX XXXX, i called to report difficulty with changing my password and was told a payment was due in XXXX ( which was o totally different amount than my original payment. The woman I to then asked many questions and put my loan in deferment until XX/XX/XXXX. She told me this and I documented it for my records. Today I was told by the Nelnet agent that nothing to that affect had been documented on XX/XX/XXXX and her note was that I had refused to pay. I had already been told I was in overpayment until XX/XX/XXXX. 
I was sent the application for XXXX on XXXX/XXXX and she instructed me how to fill outback. I was told today when I called that it was incorrectly filled out XXXX I need to submit a second application which I am doing today. I am a senior citizen on a fixed income who has never missed a scheduled payment and even paid halfway through the pandemic. I have been given misinformation, lied to and dont know where to turn. The original Loan was taken out through XXXX. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2022 a relative received a call from chase ( spoofed ) that there was fraud on their account and to send money to me. I received XXXX from them through XXXX and was notified by my account settings of the transfer. I contacted that relative and they asked me to send the money back. So I did with in minutes of receiving it. That money never made it back to them because their XXXX account information had been changed but they were not notified of this. I filed a fraud complaint on XXXX XX/XX/2022 for the transaction of sending the money back to this relative but was told there was nothing wrong with the transfer and no reversal would take place. The relative filed a fraud against the transaction of sending the money to me, for which they took the XXXX out of my account and gave it to the relative even though they can clearly see I sent that money back to them through XXXX but it did not reach them. So i am down XXXX. I have contacted Chase 4 times on XXXX XX/XX/2022 between the hours of XXXX Eastern time and XXXX Eastern time and was hung up on each time after they put me on hold to look into the claims that were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

XXXX - XXXX  XX/XX/2022 {$710.00} CAPITAL ONE XX/XX/2022 {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MS
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Account Number : 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 an 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 ) ( a ) 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 2018-08-12
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A short time ago, I received a debt collection notice from Berlin-Wheeler about an unpaid amount to XXXX XXXX in XXXX Kansas. The notification was for a debt less than a month old. 
I therefore told them, in no uncertain terms, within the 30 day limit, to stop trying to collect. On XX/XX/XXXX, they sent a verification to the debt, pretending that I asked for it when I did not.

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 2023-01-05
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Sec 604 Permissble purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize the following inquiries on my consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not provide me with the original application or a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.

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 2023-03-10
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX  XX/XX/XXXX  ; XXXX  XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XX/XX/XXXX   ; XXXX XXXX XXXX XXXXXX/XX/XXXX  ; XXXX XX/XX/XXXX  ; XXXXXXXX XXXXXX/XX/XXXX  ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XX/XX/.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: MD
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:
I have notified the Experian Consumer Reporting Agency ( CRA ) that I did not approve the following inquiries in on credit report and they refuse to delete them. I also asked for physical evidence where I signed giving these companies permission to view my credit file. Since I did not give any written consent, these items should have been deleted or I should have received the requested evidence with my signature of approval. 

Company name Inquiry Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting ACT, legally these unverified & unauthorized items MUST be DELETED! As a consumer, by law my credit report must be made 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: TN
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:
Equifax reported on my credit report that my XXXX XXXX balance is {$380.00} reported by XXXX XXXX on XX/XX/22, however XXXX XXXX said they report each month on the XXXX and the balance reported on the XX/XX/22 was {$110.00}. Why are these credit bureaus allowed to report wrong information that affects us? The credit card balances are 35 % of our XXXX score which in turns damages our ability to buy a home, car, loans etc. The employees are incompetent they can not answer questions, most I spoke with can barely speak English. This is unfair to American citizens that pay taxes in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex in question closed down and no longer exist. During the process of them closing the complex put notices on everyones door that they had to be out by the neighborhood closing date. The amount that the collection company is requesting is for a full month of rent when we were instructed to leave in the middle of the month. The date we moved was in the middle of the month and were only charged a partial months payment to move on that day. This collection reflects a full month of rent and we should not have been charged as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-05-07
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had setup Venmo as a payment form on XXXX. I placed some orders, don't remember if using Venmo or not, and then a month later my Venmo account is frozen. After a lot of back and forth I got the transaction details from Venmo, spoke to XXXX customer service and XXXX could not find the transactions. I sent that document from XXXX to Venmo 2 times and was informed it was not good enough evidence. So I called the Venmo phone number, got the purchase support team and was informed by XXXX that the disputed team is email only, can not be transferred, given a phone number or even a supervisor. The disputed team is the only way to dispute something and all parts of the process. They work from home so no transfers, or lists of department numbers or personnel.

Company response to consumer: Closed with monetary relief