BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, TRANSUNION shared my personal information, name, address, date of birth, credit score, and transaction history, approximately XXXX times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.

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 2022-10-18
Company: EQUIFAX, INC.
State: CA
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:
Unauthorized inquiries have appeared on my report by these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 at approximately XXXX XXXX  I received a telephone communication via text message from Harris & Harris ltd trying to collect an alleged debt on the behalf of the city of XXXX XXXX On XX/XX/2022 I sent Harris & Harris a CEASE & DESIST NOTICE via certified mail to their company address letting them know I did receive their communication about a debt they are trying to collect on behalf of City of XXXX and, I requested that Harris & Harris ltd to provide any documents that makes them believe I owe this alleged debt. I also received another telephone contact on XX/XX/2022 via text message from Harris & Harris around XXXX est in regards to the previous alleged debt. The text message states that I should login and pay using my license plate number. Harris & Harris may be violating the ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT as well as my right to privacy pursuant to ( FCRA ) I did inform Harris & Harris in the cease and desist letter that I dont take any responsibility for this debt and, I dispute having any obligation for this debt. I also made it clear that if they stop their collection of this debt and forward it or return it to another company to indicate to them that it is disputed. Also if it was already reported to a credit bureau to inform them the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
Unauthorized inquiries have appeared on my report by these creditors : 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 2021-04-15
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My old car title information, including my and my wife 's personal identifying information was sent to Carvana three times. The form that was provided is the Gift Certification ( form # XXXX ). The first form was provided when old trade-in vehicle was used to pay for the loan. The second time, the Gift Certification ( form # XXXX ) form was sent via XXXX. The tracking number indicated delivered, however Carvana states that it was " lost in the mail ''. I am now instructed to mail a third Gift Certification ( form # XXXX ). I am worried that my information is potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TODAY I called Bank of America to get loss prevention to see why they would pay off someone else {$13000.00}. XXXX plus credit card out of my money and when was it going to be returned with the rest of my money that was taken by their bank. The representive pretended like she had found the account and was going to resolve the issue finally. she stated she had to verify me. she asked me for my address, my social Security Number, my Drver license number for New Jersey and Georgia, she asked me for the location of where I open up my account, The name of the bank when I open my account, who was my employer and then she gives me a phony phone number for XXXX XXXX oXXXX and stating they were still open. Bank of America has pulled a scam in getting all my information as to lie about the information they had on me preciously when they have lost everything and now this ploy to protect themselves. the employee even asked for my previous employer in New Jersey. When I hung up the phone from Bank of America, I had this sinking feeling that Bank of America has set me up in getting all my information as to prevent me from having a legal case in getting my money back which they stole in 2004. I feel like they have XXXX me today. which they actually did of all my personal information. they have it all. what a low-down dirty trick this bank has pulled again on 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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is incorrectly reporting XXXX account XXXX on my credit report. The account is showing an updated/past due balance as of XX/XX/XXXX but is also reporting charged off as of XX/XX/XXXX. I've reached out to Experian for months in regards to this account incorrectly reporting and nothing has been verified, validated or corrected.

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 2022-10-18
Company: JPMORGAN CHASE & CO.
State: NV
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:
My chase visa card was charged twice at XXXX restaurant on XX/XX/29. The bill was to be split w a friend but the restaurant charged my card twice instead. I only signed for one bill. The restaurant had not been able to issue a receipt bc I only signed one bill. I have never had this happen in the over XXXX yrs Ive had this credit card and Chase is claiming its valid. I am very disappointed especially as a long lasting reliable customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: LA
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 account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX  acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX XXXX acoount # XXXX has violated my rights XXXX account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights 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 Seection 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 2022-10-18
Company: Hauge Associates, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the year XXXX through XXXX, I received over XXXX calls from Hauge Associates. They all came from different numbers, so there was no way to tell who was calling. In one instance, the person on the other end of the phone started using abusive language until I finally got frustrated and hung up the phone. 

I started ignoring any calls that came from numbers I did not know, I was getting phone calls a few times a week from them. I believe this is a terrible tactic. I have not received any correspondence from them via mail to notify me of any debts. I have never been provided any sort of billing statement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank. 

I called the number provided by the website and that turned out to be a call center. 
I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty.. 
They would not call me or send email on their action and I need to call them back and check. 

I called back on Tuesday XXXX morning at XXXX XXXX  since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help. 

I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty. 

I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 2022-05-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had an account with PayPal for several years and have not had previous problems. 
I contacted PayPal regarding charges on my account for items that were not ordered by me or anyone in my household. 
Corrections were made for all but one charge. 
The charge that was not adjusted involved a purchase from XXXX XXXX in the amount of {$200.00} dated XX/XX/2022. 
The {$200.00} was withdrawn from my bank account by PayPal on XXXX XXXX I received a statement from PayPal stating that after review they found that this WAS NOT an UNAUTHORIZED transaction. 
I also contacted XXXX XXXX on XXXX was subsequently informed that they are investigating At this time I have not been refunded for this unauthorized charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: CA
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 U.S.C 1681. 


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX XXXXXXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX XXXXXXXX XXXX ). ( XXXX Acct # 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 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 conviction of crimes  which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief