BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card
Issue: Billing disputes

Complaint:
I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?

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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged FMLY SUPP - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been trying to get my money back from chime bank for XXXX a month and a 1/2 probably period there was a guitar sold on a platform called XXXX XXXX XXXX XXXX account was under my ex 's name XXXX XXXX. He was trying to send me the money that he owed me for the guitar and had to sync to my bank account which he added to his XXXX account period chi 'm sent the money back to XXXX because the names didn't match period when I contacted XXXX for my money they said they didn't see it and that they sent it to chime I contacted chime they told me they sent it back to the distributor and now there's been a dispute about where the money is and I can't seem to find the money anywhere nobody will give me a resolution nobody will tell me what happened to the money period I have contacted I've contacted chime several times I opened a dispute they ended up closing the dispute a day later without even contacting me even though they said they tried to contact me I never got a phone call or anything. I called them I was on the phone for over an hour spoke to 5 or 6 representatives none of them can give me an answer they just kept transferring me over and Over. I've asked them several times to please give me a statement reflecting that they had the money sent to my account and then they sent it back to XXXX they will not give me a statement they won't give me any answers they said I can't dispute it because it was sent direct deposit by my employer which it's not my employer that sent me the money I have stated to them over and over what happened and they are sending me in circles and leaving me on hold transfer me to 1 person to another they won't get a supervisor on the phone I can't get any answers and my bank statement does not reflect that they sent the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
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:
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. 

Account name : XXXX XXXX XXXX Account NUMBER : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX and 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 an 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 explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681section 6 o 4a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-01
Company: EQUIFAX, 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 XXXX Account XXXX, XXXX has violated my right.

15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company is sunset Finance company located in XXXX Georgia a lady named XXXX that works there has repeatedly called my job I work on the XXXX installation and I have let them know that I can not receive personal calls on that line they've called my manager several times after I've asked them not to. My manager will give a statement supporting This complaint. I fell behind in my payments I offered to make a small payment she refused to accept anything less then what was Their minimum payment. So this morning XX/XX/2018 at XXXX XXXXXXXX a sunset finance Employee by the name of XXXX XXXX my doorbell unaware that my doorbell was recording because I have the ring security system he Came to demand payment at my residents I live in a gated community he went to the rental office Falsely identified his self in order to Gain access through the gate. He had no court order he had no officer with him And the recording shows me speaking with XXXX on the phone with XXXX there and her refusing payment also refusing payment over the phone due to the amount she feels as though i should have to give. other what i can actually afford. I am a single mother this company had absolutely no right to send some strange man to my house regardless Of the Debt I owe to this company The conversation in the hallway Lead to my privacy being violated this company should not be allowed to do this to people It was a personal loan he is not a repo man there is nothing for him to repossess any collateral I may have put down on that paper for the loan would have to come with the court order in which he did not possess. And I will be taking a restraining order out on XXXX and sunset finance company. If a company refuses any payment on a debt Then I no longer owe a debt. i was late for work and to be honest now days with things the way they are strange men should not be popping up unannounced at anyone 's home. This to is a problem.

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 2023-09-01
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband got a loan then it was hacked by the person he did not sign anything. The hacker put the money in. In the meantime the bank said even tho it was hacked we still have to pay it back. The bank name is Synovous. They gave us a new account so we thought things were good come to find out when his SSDI and veteran pay came in the bank took it and won't give us nothing. My husband is a XXXX veteran and needs his money. We both didn't know this was fraud. The hacker is from North Carolina and has been taking people money we found out later. If you can help us it would be appreciated. I have done all I can do and so have my husband. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid for a XXXX reservation on XX/XX/XXXX in the amount of {$540.00} for a stay from XX/XX/XXXX to XX/XX/XXXX. There was a free cancellation that expired 60-days prior to the stay. I went on my trip, and checked in to the apartment on XX/XX/XXXX. My son found XXXX  XXXX  on his bed and was bitten during the night. I notified the host and explained that I could not stay as the place was uninhabitable due to XXXX XXXX. I told him I was checking out and wanted the remaining nights refunded. He refused, stating that the cancellation window expired 60-days prior and that he would send someone to investigate the XXXX issue. After an hour, I left, and have since been trying to get a partial refund from the host and XXXX but not getting anywhere. I filed a dispute with my bank because the service paid for was not as described, and they investigated but told me that according to XXXX policy, I had to dispute within 120 days of the transaction. How is that even legal, when the service was not yet in effect until almost 150 days after the transaction date? Basically the consumer is being penalized for not disputing transaction for a service not received. It makes no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION accounts and inquiries on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection accounts and inquiries. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by XXXX with blocking the XXXX XXXX from pulling his XXXX Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although XXXX claims there is no XXXX XXXX or XXXX freeze on his report. 

We Protected XXXX XXXX  and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to XXXX 's illegal biased discriminatory practices. 

He called the XXXX Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his XXXX Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with Experian who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and Experian states the same thing that there are no Security Freezes or Fraud Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by XXXX and Experian, as the companies are confirming they have made several attempts to pull credit to no avail.

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 2018-03-14
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per Experian, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my XXXX report as being filed on XX/XX/XXXX, and on my Experian report as being filed on XX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

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 2023-09-22
Company: Flexible Finance, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my 2nd complaint asking Flex to update my XXXX credit report information because Ive made payments all this year ( XXXX ) but my XXXX credit report only shows one payment for this year XXXX and thats XX/XX/XXXX XXXX Flex is not going to update or report all my payments, Im asking that they refund me the monthly service fee of {$14.00} for each month they have not reported/updated/reports/update my XXXX credit information which would totally {$100.00} for each month that has not been reported ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Conn's, Inc.
State: TX
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  account # XXXX has violated my right 15 usc 1681 section 602 state i have the right to privacy 15 usc 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received two letters from XXXX  XXXX XXXX ( XXXX ) XXXX dated XX/XX/2020. One letter was addressed to me and stated they are trying to collect {$610.00} on behalf of Paypal.com. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of Paypal.com ( see attached documentation ). After contacting Paypal, I was told that neither of these charges came from their office and the account number associated with XXXX 's claim does not exists. Additionally, XXXX has used both our middle names, which is not listed in any account information with Paypal.

Company response to consumer: Closed with non-monetary relief