BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Aqua Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had to make a late payment, so I called and asked if I could make a double payment for {$290.00} after I got my check on XX/XX/XXXX or XXXX. I told him I get paid on the XXXX but sometimes it doesn't clear until the next day so I would pay by Saturday the XXXX at the latest. He said something at the end of the call that made me say, Sir I do not want an automatic payment t set up. XXXX XXXX is funny, and because sometimes my check clears later that night or the next day if you take that payment out in the morning or before my check clears they will charge me an overdraft fee. I EXPLICITLY said I do not want an automatic payment set up and told him why. He said this isn't an automatic payment you can just go online and pay it like you usually do. So they did an automatic payment on the XXXX anyway before the end of the business day. My check had not cleared yet, so my bank emailed me about the transaction. I called them, they said they could not stop the payment, but that if I showed them the transaction and negative balance, and showed them the overdraft fee they could reimburse me the overdraft fee. That was fine. Then XXXX called back and said that a supervisor had reviewed the call and that the payment was agreed upon. That is a bold face lie. I EXPLICITLY said in exact words that I DO NOT WANT AN AUTOMATIC PAYMENT SET UP and told him why, and he definitely replied with, It isn't an automatic payment ... .etc. so I asked XXXX to let me speak to someone who would review the call on the phone with me and then tell me I agreed to it. She put me on hold, came back and said she couldn't get a supervisor because she works from home and the people that review the calls work in the office. Then at the end of the call she said, " Yes ma'am, I'll do that tomorrow as soon as I come into the office. '' So she lied to. I want Then to review that call with someone in the FTC and then explain why they are doing what their customers EXPLICITLY ask them not to do, taking payment without and consent after they were expressly told they DID NOT have my permission to do so. Then they can explain why they lied and said I did agree to it so they didn't have to give me back the {$35.00} extra they cost me by doing what I told them they did not have my permission to do. I could have stopped the payment through my bank but it would have e cost me {$31.00} to do that and the overdraft fee was about the same, I had to make the payment anyway so I did not do that. But what they did, and lying about that and other things is unethical and fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I noticed an XXXX charge that posted to my credit card account on XX/XX/2021, totaling {$340.00}. Since we did not recognize the charge, my wife and I reviewed our shared XXXX account and did not see an order that matched that amount ( see attached file " XXXX Order History '' ). 

I immediately contacted XXXX on the phone ( see attached file " XXXX Customer Service '' for evidence of the call ). The XXXX customer service representative found the transaction and stated that someone else ( possibly named XXXX ) logged into their XXXX account, made the purchase using my credit card, and then shipped the item to their address. I informed the XXXX customer service representative that this was not a transaction that I authorized, and she stated they were suspending the offending account where the purchase was made. 

I received an email ( see attached file " XXXX Account Specialist '' ) from XXXX later that day stating " Thank you for confirming that the charges to your MASTER CARD ending in xx were unauthorized. We recommend that you review all recent activity on this card and report any unauthorized charges to your financial institution. '' I followed XXXX 's advice to contact my financial institution ( Barclay ) to inform them of the fraudulent transaction. They immediately cancelled the credit card, sent a new one, and reversed the charge. 

On XX/XX/2021, I noticed that the charge was back on my account. I contacted Barclay, and they stated that the fraud department determined this was a valid charge simply because I have " previously done business with the merchant ''. 

This is not an acceptable response as they could not provide documentation that they made any attempt to communicate with XXXX to get more information about the order. I expect my credit card issuer to provide the appropriate protections and conduct a thorough investigation before closing the case as it would be extremely clear that this was a fraudulent transaction.

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 2021-06-29
Company: EQUIFAX, INC.
State: NY
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2018 we bought a vehicle and used Ally as our loan company. In XXXX I made a call regarding overdraft charges from my bank due to the fact that one of Allys representatives informed me they would cancel auto-draft and they in fact never did. This resulted in {$70.00} of overdraft charges. It has been way over a month now of me calling multiple times and explaining the same story time and time again and being met with employees blaming me for the charges, blaming my bank, or telling me that it will be resolved in X time frame and nothing ever happening. I am sick of hearing different things every time I call and my issue never being resolved. I would never advise anyone to use this company and I wish I had never gotten involved with them in the first place.

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 2021-06-29
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 and on XX/XX/2021 I sent a letter to Equifax asking them to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2021 I have yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I submitted a dispute for a transaction from XXXX XXXX XXXX  XXXX back in XXXX due to gettting sick from consuming their food. I received the credit from Bank of America.however, a couple of days after I received a notification stating that they were going to remove the credit I was awarded. I submitted all the information requested proving that I got food poisoning from this restaurant and I even submitted a report to the Food Safety and Inspection Agency ( USDA ). I would like Bank of America to review this claim and refund my money back to my account, the claim number is 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 2023-09-24
Company: EQUIFAX, 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 purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and equifax with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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:
I am a victim of identity theft and I sent Experian my FTC report, drivers license, sec, police report, affidavit notarized, and list of accounts and inquiries that are not mine. They have failed to reply back to me in the appropriate time frame and they also responded to my previous CFPB complaint number XXXX saying that there was a third party working on my dispute and they need authorization with Identification documents sent in for them to continue.I already sent in EVERYTHING to them and I'm working on my disputes by myself!

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 2021-06-30
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account or loan was made for someone else. I DISPUTE THIS ACCOUNT INFORMATION, and as a proof, the comments section has this statement. I asked to this company to remove the collection from my credit report, unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account with XXXX reporting on my name TransUnion account that is not mine. It says it is a joint account but I never opened nor authorized it. I asked everyone in my family and no one recognized it so it has to be a mistake or blatant fraud. I contacted XXXX and they said they would remove it, and I know they did because it was removed from my XXXX  and XXXX  reports. I contacted Transunion several times to follow up but they seem to be ignoring 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 2021-06-30
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had any contact with this company, nor did I conduct any business with such company, If there is any contract signed by me and them, Perhaps then and only then I would address this illegitimate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the same original creditor " XXXX " reinsert the same collection with a different Agency " XXXX XXXX XXXX '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-06-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I wanted to operate in my account of Coinbase, but I can't, from months ago, I have my account restricted without a reason. I tried to contact with Coinbase, but they never reply, and I've been surfing on the Internet and I find out that a lot of people have the same problem that I have. I wish they could return my account and start operating in my Coinbase account because I really like the page, but the attention client is really bad and that scares me because I want to feel secure in every page. 

Thanks for your attention!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I completed an application to get a business checking account with Wells Fargo. Below is details of the person I spoke with XXXX XXXX Inbound Sales Specialist II Wells Fargo Virtual Channels Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX X XXXX | Fax XXXX XXXX asked me to submit all of my business identifying information through a secure messaging portal. The next day, XX/XX/XXXX, I received an email saying check the status of my application. I was not approved for this account. 

It wasn't until XX/XX/XXXX when I got a notification from my consumer report as seen in the first attachment that an account was opened with my social security number through Wells Fargo. I never remembered entering into a consumer credit transaction with Wells Fargo or giving them the authority to open any accounts with me as a consumer. First I called XXXX, no answer. Then I called the number listed on my confirmation email of the application submission which was the business department where the guy repeatedly told me " I see your account, but I am not authorized to give you any information and that I will have to call another department. '' " I asked to be transferred to that department '' I waited for an hour and finally a lady answered and she repeated the same thing " I am not able to give you details on this account information. '' " I stated but the account is in my name. I just want my login information. She repeatedly stated that there was nothing she could do. Extremely discouraged at this point because this was only supposed to be a business checking account my company took a major financial loss behind this about $ XXXX worth but even more so I the consumer took an even bigger loss. Wells Fargo stole my identity, entered me into a consumer credit transaction, and opened an account under my name using my credit card. As you can see in the 2nd attachment I have what appears to be an adverse action which was sent to me on XX/XX/XXXX. Upon researching and trying to understand I ran across this Court Order attachment 3 from the CFPB, which states that Wells Fargo has a history of opening up accounts in consumers ' names. I am not sure what I did as a consumer to deserve such aggravated identity theft by Wells Fargo during these unfortunate times of the Pandemic, but I did not deserve for my identity to be stolen, to constantly get denied from Wells Fargo since they already have an account with my name on it, and to have take such financial loss behind what was suppose to have been a business transaction but instead was a consumer credit transaction.

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 2021-11-13
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The disputes in question are 1. XXXX {$780.00} charged on XX/XX/2021. 
XXXX. XXXX {$810.00} charged on XX/XX/2021. 
XXXX. XXXX {$35.00} charged on XX/XX/2021. 
XXXX. XXXX {$93.00} charged on XX/XX/2021. 

On XX/XX/2021. Citibank XXXX responded to my dispute that it has been closed and the merchant needs to be contacted directly. Per Citibank below is the extract from the letter. 

" We previously disputed this charge for you and we took the funds from the merchant. You then cancelled that dispute XX/XX/2021. We closed your dispute since you cancelled it and once you cancel the dispute we can not reopen the dispute for you. Therefore, if you wish to dispute this charge, you will need to contact the merchant directly as we have no further recourse to assist you. " After contacting the merchant, the merchant requires a letter confirming that the amount has been returned to merchant and dispute closed with me losing. Because as per Merchant, they closed the dispute in my favor and returned the money to Citibank. Below is the excerpt of response from the merchant. 

" Please allow me to reiterate that our XXXX team have confirmed that your dispute was closed in your favor. We have been debited. That means your credit card must credit your account. Please provide a letter ( not credit card statement ) from your bank advising that you lost your dispute and you were rebilled. '' Can you please request Citibank to take care of this and provide me the letter or my money of US {$1700.00}.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX Account Number : [ ] XXXX Reason : [ need it remove been to long ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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