BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: MIDFIRST BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied and was approved to open my account online with XXXX on XX/XX/2021. I received an email confirmation and I proceeded to setup my paycheck to direct deposit into my new account with this bank. Then on XX/XX/2021 I noticed I was no longer able to login to my account. I called their customer service the following day and was informed that they had closed my account due to business reasons and they could not tell me any further details about why they closed my account. They said they are mailing me a letter with an explanation. This is an unacceptable way to treat people.

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 2022-03-29
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
i would like for XXXX XXXX XXXX XXXX XXXX and santander consumer usaa to have credit bureaus to remove those accounts in my name from the credit reports. i have already been through this with the nc doj and XXXX as well to resolve this stuff but to no avail. santander nor XXXX XXXX are allowed to contact me by any means

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Case Number XXXX filed with the XXXX date : XX/XX/2023 Case Number with the XXXX : XXXX Case Number XXXX filed with the XXXX date : XXXX XXXX Case Number with the XXXX : XXXX Date : XXXX XXXX Wells Fargo has done XXXX investigations so far. Both times they have given me a temporary credit not once, but twice of {$500.00}. The bank continues to give me the run around, stating that I needed to file a police report with the local police about a situation they honestly shouldve been able to resolve on their end. Their lack of knowledge and not investigating the merchant along with asking me if the information was accurate. The bank decided upon themselves to not make sure that their information was accurate, and truthful. When this case was not investigated properly on their behalf, and now they want me to pick up where they failed to do their investigation. 
This merchant has given Wells Fargo fraudulent information, and this bank continues to give me, as the consumer the run around. When they have the manpower to have had this merchant properly investigated the first time. This is the purpose of the banks system. The current services Im receiving from XXXX are top tier, because they report to me daily on what is being done with my book. 
That is why I havent had any issues with this merchant, and the services that their freelancers are providing are great. XXXX XXXX XXXX  didnt offer that and did not report to me as they were supposed to. Wells Fargo and along with the merchant need to be held accountable for their lack of. The merchant shouldve been cooperative with the bank in refunding my money as they stated that they would. Wells Fargo shouldve made sure that those funds were being properly placed in their rightful 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 explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Transunion us reporting incorrect date snd data on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX It took more than 45 days to investigate and dif nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a " Derogatory Mark '' on XX/XX/2020, on me credit report from " MIDWEST RECOVERY SYSTEMS '' for {$98.00}. It says the original creditor from credit karma is " XXXX XXXX XXXX XXXX '' I have paid all of the bills that I know of from XXXX XXXXXXXX XXXX. I never received anything in the mail and got no notifications related to this, so I don't what it is for. The company info is below, MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Affirm Holdings, Inc
State: NV
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Netspend Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern My name is XXXX XXXX and I'm extremely upset on how Netspend has made a error and now won't fix their mistake. On XX/XX/XXXX I made a transfer to my actual bank account of {$3700.00} and I have proof because I took screenshots and it said it will be available XX/XX/XXXX and said I only had a balance of {$100.00}. The next day my XXXX XXXX was hacked where {$2200.00} was moved to a wan na be XXXX XXXX and it the subject they put my I got you. I was sleeping when this hack happened. I noticed in the morning and called netspend right away. Im a victim of fraud and now no one can assist me. I saw recently that a XXXX XXXX was hacked and a lot of customers were hacked and money stolen out of their account.

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 2018-05-03
Company: Experian Information Solutions Inc.
State: GA
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:
I have numerous unauthorized inquiries on all three of my credit reports ( Experian, XXXX, XXXX ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX Experian : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; CXXXX/XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-12-28
Company: JPMORGAN CHASE & CO.
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 customer service

Complaint:
I booked a business airfare and hotel accommodation through JPMorgan Chase 's XXXX XXXX XXXX XXXX  as I am a Chase Freedom Unlimited cardholder. A short time after making the original booking my business trip I needed to adjust both the airfare and hotel accommodation to extend a day later than I had originally booked. 

I was given a confirmation via email ( attached to this complaint ) of what I requested. I called back about a week ago to confirm, which I was told at the time everything as fine and my stay was extended until XX/XX/XXXX as requested at no extra charge and that I'd be good to go. 

Fast-forward to today, I am on the first day of my business trip, I stopped at the front desk of the hotel to verify when I'd be checking out only to find out, to my dismay, that the booking was still for the original date of XX/XX/XXXX, not XX/XX/XXXX. 

I called Chase XXXX XXXX  and spent no less than one hour of my time and spoke to 8 different agents, including a supervisor, who in the end told me that in order to extend as requested ( literally both two and a half weeks ago, last week and now tonight for over an hour ) that I'd have to now pay them {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information XXXX XXXX XXXX **** XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: MA
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:
Goldman Sachs Apple Credit Card & Apple Installment Sale : I received a {$10000.00} refund from XXXX XXXX University on XX/XX/XXXX. At the time of the refund, I had a {$4000.00} balance on my credit card from previous purchases. {$4000.00} of the refund was applied to my credit card balance. ( I am ok with this ) Separately, I also had two installment purchases from Apple, also through Goldman Sachs. Both installment sales were 12 month 0 % interest. The first installment sale was from XX/XX/XXXX ( XXXX XXXX ) and had a balance of {$420.00} remaining. The second was from a XX/XX/XXXX for a XXXX XXXX and had a balance of {$3200.00} remaining. 

I spoke with Goldman Sachs on XX/XX/XXXX and requested a full refund and cash return for the {$10000.00}. I was originally told I would receive it. 

On XX/XX/XXXX, I only received {$1700.00} credit reversal to may account. {$4000.00} was applied to my credit card ( I am not disputing this ) The remainder refund balance has been put on hold and will not be returned to me. I have spoke to Goldman Sachs on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been told that because I have two installment balances, the excess from my XXXX XXXX University refund will be held for the remainder of the life of the installment sales and will be applied against my installment balances monthly. I have been told that this is in the credit card agreement. 

regardless if this is in the agreement, this is an unfair business practice! My refund from XXXX University was absolutely unrelated to the installment sales of the both apple products. As well, I used my card to pay XXXX XXXX University. And then promptly paid off the balance on my card from that transaction. 

I was told 5 times by the Goldman Sachs reps, Supervisors and Manager that they have had several complaints about this practice. 

I am seeking a refund of {$3700.00} from Goldman, which represents my remainder balance from Goldman Sachs {$10000.00} refund and equals the balance of the XXXX and XXXX XXXX installment balances. 

the number to reach Goldman Sachs is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo loan " specialist '' is asking me to submit an IRS form that was never required when my tax returns were filed. He went so far as to download the forms from the IRS website and instructed me that I have to fill them out or he would not be able to process the application any further. I explained multiple times that he was mistaken and these forms are not part of my return, I even supplied the correct form but he stated it was insufficient. I had provided my entire returns for two years in addition to form XXXX allowing Wells Fargo to request my returns directly from the IRS.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted to have a account removed from my report with no luck, I have attempted to have my correct personal identifier 's on the report with no such luck.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX, and TransUnion violated my consumer rights and privacy act under the Fair Credit Reporting Act by fraudulently placing this account in all three of my credit Bureaus. This account is also undergoing litigation for deceptive practices which are listed by the creditor XXXX and XXXX XXXX XXXX for the amount of {$1600.00} starting with acct # XXXX. 

According to USC code 1695, USC code 1681, ( A ), and subsection ( B ) which states any directly or indirectly issuance of credit shall immediately be removed from the consumer 's credit report followed by my FDCPA. These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify to be valid and not fraud practices. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence and remove all such directly or indirectly account from my consumer 's credit report. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf.

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 2023-12-15
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently received a letter from a company that appears to be fraudulent/ illegitimate. The letter was stating it was collecting for the auto insurance company I cancelled months ago after they refused to take payment for the policy that was set up for autopay out of my checking account. That part I am reaching out to a private attorney about for legal assistance. I XXXX the company when I received the letter 2 days ago and people were warning to contact their state attorney general office which I did here in Minnesota and they have record of my report to them and advised I reach out to the Federal trade commission which routed me to you and also that I should reach out the US postal inspection service as well. Which I will be. If there is anything further you need from me please let me know. 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 2023-05-10
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2023-06-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, Every time I submit my payment to Costco Anywhere Citi credit card. My available balance does not reflect my payment until at least 10 days after my payment has been submitted, even if the payment has cleared my bank. This happens every time I make a payment for the last 7 months ( at least ). For instance, I submitted the last payment of {$250.00} on XX/XX/23, cleared my XXXX XXXX account on XX/XX/23, but it wasn't reflected on my available balance until XX/XX/23. I don't think it's right to hold my payment hostage after it cleared my account. If the credit card is holding my payment and not making available to me after it cleared my bank account they should pay me interest applying my credit card interest rate.

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 2023-12-15
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: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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