BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: DISCOVER BANK
State: MN
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:
Disputed a charge with discover, charge was for a service not as advertised.

Sent plenty of valid proof to discover, about 15 images of proof. 
Discover sides with the merchant and refused to accept anymore documentation I had. Would not give me the documentation the merchant provided either Discover has a habit of denying valid disputes with customers. This is the second time this has happened to me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I eas using XXXX for over XXXX XXXX years and in XX/XX/2021 the company was compromised. My information was stolen and sold on the internet. I told them to stop billing me and close the account. They didnt even do anything about said I owed them several months for service I didnt use. I also told Wells Fargo to stop paying XXXX because I wasnt using the service. Wells Fargo paid them and charged me fees for overdraft. Also my credit rating was about XXXX at least. Its now about XXXX. I never made any of the fraudulent charges and nobody did anything to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of identify theft where a person changed my information on Wells Fargo checking account and sent three -unauthorized wire transfers- to three different banks totaling {$60000.00} as noted below : XX/XX/22 {$24000.00} to XXXXXXXX XXXX  XX/XX/22 {$24000.00} to XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/22 {$11000.00} to XXXXXXXX XXXX XXXXXX/XX/22 Wells Fargo sent letter to me denying my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Today ( XX/XX/2022 ) I attempted to pay for guitar pedal parts from a vendor ( XXXX XXXX ). They use PayPal as a payment processor so I put in my personal and payment information. When I tried to confirm my payment, it said there was a problem and returned me to the merchant. When I tried to log in to PayPal 's main site, it said my account was permanently limited. I fully believe this to be a mistake as I have not broken any of their policies to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I transfer {$1300.00} through XXXX from my bank account and website.. The transfer was for service in XXXX that I never received. I contacted my bank and after an alleged investigation, they told me I have to speak to the recipient directly.. My bank introduced and promotes XXXX so I trusted them.. .. my bank has the information for the recipient and just like a disputed transaction, I thought my bank would help. Let the recipient provide proof of service or something.. I feel totally let down especially since it happened on my birthday and my bank has never given me reason not to trust them.. 
Be aware of XXXX Promoters offering services

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-27
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, Terms of this card is rewards I could use at XXXX XXXX. 
I called close to ten times and keep getting told problem will be solved and I will start being able to use my rewards. 
Nothing has changed.

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 2022-03-25
Company: BMW Financial Services NA, LLC
State: MD
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:
My BMW financial account was paid off after several deferred payments during covid. After following all the terms, BMW financial placed ... a 30 and 60 day late payment on my credit report that included ONLY late fees. I was in contact with them monthly making payments and was NEVER informed. I was in a covid relief program. During such a stressful time I was rewarded for making set payments with 30 and 60 day late on my credit file. Again, the balance was only late fees which included fees during covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX OF XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act, 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  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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transunion is reporting incurrect information on my credit report, they have a repossession on my file and that's incorrect

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector company bought original debt from XXXX  XXXX that I owed back in XXXX XXXX  XXXX. How are they able to report it to my credit report after the 4 year status of limitation payday loans have. I just showed in my credit report couple weeks ago for the first time. I called debt recovery solutions and asked them how come I have never received any physical mail that show my debt and they responded that they send it a year ago but I never received anything. Till today I havent received anything. Can payday loans report to your credit report? I read that payday loans companies are not allowed to report it to your credit report or sell the debt to a collector. But if they could its passed there 4 years of statutes of limitations. Please help me resolve this its messing up my credit report. 

DEBT RECOVERY SOLUTI Reported : XXXX. XXXX, XXXX - {$310.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$310.00} Highest Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
- XX/XX/12 XXXX -- I marked as unathorized, company did not respond - XX/XX/12 XXXX -- I marked as unathorized, company did not respond

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 2022-10-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company 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 2021-07-25
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX  for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX  and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Experian credit filed has been hacked XXXX  I have already faxed over XXXX  documents proving my identity on XX/XX/2023 and my account has been hacked XXXX  hours later which is today XX/XX/2023 for XXXX  hours at the XXXX was fixed Experian make it very difficult to access your account. They also allow anyone to go into your account and change your contact information and to intercept all communication I can not complete a forgot password because this person changed my email address, and my password and is very impossible to speak to customer service and very impossible to recover my account. Im afraid I may be a victim of identity tax fraud/possibly a duplicate tax return maybe file one for me and one from the fraudster with me and my children, Social Security numbers XXXX and also credit cards and make accounts open in my name. One account was already open my XXXX XXXX  XXXX and I had to have it flagged for fraud and XXXX down, and XXXX as well. Experian make it very easy for your account to be hacked. Do not create a membership with Experian. I have no issue with XXXX fax or XXXX XXXX a matter how hard or difficult can you create a password on your account or email address they make it very easy for hackers to hack you Experian credit report and lock you out and you are treated like a suspect with Experian. They will not shut down the fraud account until you are verified by mail or fax and until they actually get to your paperwork by mail or fax proving your identity this person has already committed at least XXXX  days or more worth of fraud on your account. This is the XXXX  time Ive been hacked. I had to pull my identity once again XXXX hours later via fax I faxed over XXXX  dock and his crew room. I didnt eat XXXX  hours ago. I feel like this will be a repeat a psycho. This person keeps hacking my file this is gon na be ongoing problem with Experian-faxing over documents, keep getting locked out, contact information changed, calling customer service every XXXX  hours to recover my account, etc.

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 2021-07-25
Company: JPMORGAN CHASE & CO.
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:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation