BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a small business owner & purchased these items for resale. I typically dont make purchases this big, so it was easy to identify once I did research. Initially, I was not aware of the transactions because the name of the company and where the payment was made are under different names, which prompted me to believe that this is/was not a legitimate company. The name of the company is XXXX XXXX XXXX XXXX, however thats not whats reflected on my statement. The items were set to arrive within XXXX business days via XXXX after XXXX paid in full on XX/XX/06, according to the merchant. If you look at the invoice provided, you will see what items were purchased. The list is lengthy. Its been reattached for your records. After the payment for the initial order was made on XX/XX/06, upon which XXXX systems and accessories were to ship, the merchant demanded more money for the items than what was agreed upon in the initial contract, which can be seen in the screenshot, and threatened that items would not be sent if payment was not received. XXXX, a representative of said company also added more items as an incentive to purchase more, which is what the screenshot is detailing. The initial order was only for XXXX systems with accessories in the amount of {$1300.00}. I ended up purchasing, or so I thought, XXXX systems, plus games, headsets, and controllers to alleviate the shipping cost of the original order under the guise that more items shipped means cheaper shipping for the company as they are a wholesale supplier and to also not lose my initial {$1300.00} payment. That brought the order to {$2600.00} as detailed in the invoice attached. I never received anything & was advised that my items would be ransomed if another {$1200.00} payment wasnt made within XXXX days to finalize shipment, which was supposed to be free based on the purchase of more items. I attempted to contact the merchant for a refund after the first payment of {$1300.00}, and was advised I wouldnt be refunded anything & would lose my money unless I completed the transaction totaling {$2600.00}, so I continued to send more money to complete the transaction totaling {$2600.00} in full for XXXX systems and accessories. Again, I never received the items. You can also see that the address & information on the invoice reflects what you all have on file and is correct. So there isnt a possibility that the items were delivered to the wrong address. Please help me. This company isnt a real company, yet is a scam promising amazing products for unbelievable prices to unsuspecting people. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BMO Harris sent a letter dated XX/XX/XXXX stating some other company was taking over my mortgage. gave numbers to call. they said call back XX/XX/XXXX, did that now it's call back XXXX XXXX they gave or sold loan to XXXX ( XXXX XXXX ) on address no way to contact other than Numbers that tell you call back later. 

The letter stated that if you had automatic withdrawl from account do nothing. THe XXXX XXXX has come and gone no payment taken out. no way to check balance or anything else. Very Likely they will XXXX up my credit rating, and possibly cause repo of property. 
This is the 2nd big change in a few months, the other pertained to checking account which I finally go straighten out.

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 2023-11-03
Company: EQUIFAX, INC.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Bitstamp USA, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
USD sent from XXXX XXXX to Bitstamp for XXXX trading. 
Website : https : //www.bitstamp.net/ Contact details : XXXX XXXX There were several successful transactions before XXXX XX/XX/2023. 
Since XXXX XX/XX/2023 my USD XXXX XXXX has not been released or allocated to my Bitstamp XXXX XXXX account. 

I have followed up with support since I saw my funds not clearing in my account, but they kept on indicating that it takes 3 - 5 business days to clear. 
( In the past the funds cleared the same day, always ). After 5 business days, I kept on following up and they did not have an answer for this, just kept on saying they were investigating the matter. ( Ticket number : XXXX ) Then my ticket was referred to complaints. 
Eventually, complaints confirmed that it is their normal XXXX policy and they can not divulge any further information. 
This has been the answer for the past 2 weeks now. 

When I follow up now, there is no answer and my money is nowhere to be found. 
The support and Complaints department is keeping quiet and I fear the worst now. 

Please assist me with this. 

Their contact numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
Company: Mercedes Benz Financial Services
State: FL
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:
Transactions and experiences between I, a Federally Protected Consumer, and this Financial Institution are being reported to XXXX, XXXX, and XXXX without any disclosure or consent from me. This is my Third and FINAL Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Since XX/XX/XXXX  I have sent my first inquiry to bankmobile that I can not login to my account due to not knowing my password. It is now XX/XX/XXXX   and i have not been able to recieve my funds from financial aid. They will not create a new account for me, send me a check or allow me to recieve my funds through my existing bank account or update my profile information that I have confirmed by phone with a customer service representative. Bankmobile said they are not able to update my information until i send them a completed CAVID form which consists of name and address change which is irrelevant to me and my problem. I still have the same name and address the form also wants me to send a identification document so i sent 2 print outs of my ID and the updated email and phone number and informed them of my new existing bank account i have access to. The form and documents were to be mailed out to a po box which i felt was weird. Bankmobile at XXXX XXXX XXXX called me at my updated phone number just to tell me they arent able to update my information till i send them a clear picture of my ID to be able to update my information which is suspended for too many failed password attempts.I will foward you the email from me and bankmobile. I am very unhappy and do not understand why they cant just email a new password set up link to my phone number or email that i can access, I took a student loan out this year because of my living situation and i am in very much need of this money that i shouldve got in XXXX i dont believe my college should partner with this third party bank for our financial service.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-11-10
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the last couple of years or more I've sent registered mail to them on at least 2 occasions asking for a copy of my signature opening up this account? Plus I would like to see my signature on any purchases made? They have been non-responsive? They only demand payment. This is fraudulent account. Due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
State: MA
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:
Used store card to purchase item via XXXX. Item was never delivered. Item, for past month, has not resolved customer service inquiry to refund purchase for item never received. Item was supposed to be delivered XXXX XX/XX/2020.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  FAILED TO CORRECT ALL CREDIT REPORTS, CLOSED BY CONSUMER, PAID IN FULL NEVER LATE.THE LATE PAYMENTS WERE CAUDED BY XXXX SLOW PAYING CLAIMS.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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 appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00}  ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXXXXXX Balance : {$8300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from any of the listed account ( XXXX ). Block and Remove

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 2020-01-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
This complaint is against PayPal and it's bank.this company has no Grace period on payments and I have already caught them charging a XXXX dollar late fee in such a way that it was dated the exact same day payment was due and this month I payed on the XXXX and it was due on the XXXX so I have been it with the XXXXdollar fee and then the interest, try to close the account the one time that I did call and I was told that I could not do that till balance is paid, simply put I was attempting to stop the amount from getting out of control, furthermore this company advertising doesn't tell about the XXXXdollar fee or interest rate until after credit is granted I would like to have this bank audited and  whatever else it needs to be more flexible and fair to the consumer, because this company is out of control furthermore

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 2022-12-26
Company: EQUIFAX, INC.
State: FL
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 have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around XXXX  and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS. 

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}

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 2020-02-18
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
During the month of XX/XX/XXXX I have tried using the co-branded XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware ( Barclays ) to make a by phone ticket purchase with XXXX XXXX and at various point of sale locations in Delaware. The card is proving to be useless. 
It took almost 45 minutes for the ticket purchase to be finalized because I was told there was an address discrepancy issue. There should not have been a discrepancy as my address has not changed in over 5 years - and the address on file with both XXXX XXXX and Barclays has been kept up to date. 
Notwithstanding that issue, I have had to spend nearly two hours on the phone with call center staff who simply can not grasp the significance of the issue I have encountered at at least 4 point of sale locations where my card - equipped with an EMV chip - has been declined. The card has also been declined when I tried to swipe it instead of dipping it. 
I have been told by the ill-informed call center representatives that I must use the Chip and PIN combination with this card at point-of-sale terminals. Well, that is impossible to do when the terminals don't prompt the consumer to enter the PIN. Is this a credit card or isn't it? 
Then, when I try to swipe the card. it's declined. This is embarrassing and a waste of time. I also think I am paying an annual fee for a card that appears to be useless other than allowing me better boarding position on XXXX flights and 1 free bag. However, since I don't use my American reward miles to purchase tickets, but only as partial payment for first class upgrades, the card offers no benefit for boarding or luggage allowances.

Barclays needs to better inform its call center representatives and its cardholders about the limitations of using this card in the U.S. where finding chip and PIN enabled terminals is rare.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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.

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 2020-02-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a citi bank account package on XX/XX/XXXX and there was a promotional offer for this account package, which is depositing at least {$15000.00} and keeping them in the checking account for at least 60 days and I will receive {$400.00} as a bonus. I have met this deposit requirement on XX/XX/XXXX but I still haven't received the {$400.00} bonus.

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