BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: MA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2017-12-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I would like the application XXXX to have access to my account but Amazon.com is blocking my ability to enable external applications.

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 2021-05-14
Company: Oklahoma Student Loan Authority
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I ran my three credit reports. There was a closed student loan on there for the amount of {$1500.00} from Oklahoma Student Loan Authority. There was also an address listed on the report for a Texas address. Both of these items are incorrect as I have never taken out a student loan. I called OK Student Loan Authority on XX/XX/XXXX to see what I needed to do to take care of this. They forwarded me their Loan Discharge Application : Forgery form to complete. I filled out this form and returned it same day along with a copy of my Drivers License, social security card, mortgage statement and utility bill. I continued to follow up with this company, but they would never transfer me to the correct department or provide me any answers on what the status was. It is now more than a month later and we are no closer to this being resolved. It is important to note that I currently, and at the time the loan was opened had an extended credit freeze on my account due to past identity theft. This loan should never been able to be opened without contacting me personally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX the XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XXXX, 2018, I had no proof that XXXX XXXX XXXX initially in 2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.

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 2015-09-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir 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 2023-09-27
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
CashApp imposed a 3 % fee for a money transfer. Unbeknownst to me, XXXX treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to CashApp 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither CashApp nor XXXX provided clear information about these charges. 

I argue this is deceptive for the following reasons : 1. Non-Disclosure by CashApp : CashApp markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that CashApp incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. 

2. Misclassification by XXXX : When a user employs a credit card on the CashApp platform, CashApp essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, XXXX 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. 

3. Junk Fees and Double Charging : If the 3 % fee charged by CashApp is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if XXXX applies a cash advance fee and then also charges CashApp for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. 

In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: OPTUM BANK, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I still do not know why the entire balance of my account was transferred. I put in for a {$5000.00} transfer to my XXXX XXXX account but Optum transferred the entire balance of {$9400.00}. Yesterday I called and waited on hold for 1 hour before talking to the Optum representative in the attached phone call. She said XXXX, my employer, did a batch transfer of their employees accounts. I don't think this is true because as an employee I received no advanced communication about such a transfer. I also do not know for sure where this money went. I certainly hope it was sent to my XXXX account but it's unknown to me and the representative I spoke to yesterday could not answer that question. 

The other outstanding issues which I'll leave to Optum Bank and their remaining customers to solve, are the following questions which after numerous phone calls, emails, in portal messages, and escalations to the Consumer Finance Protection Bureau remain unanswered other than the same response from Optum " Insperity made the change ''.

Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account with the Optum app. This was also found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I still have received no answer to date. Optum has conveniently purged my sent messages with the portal related to this matter and every time I received back a call they said this was XXXX 's doing and that they were prohibiting the use of the XXXX XXXX account. However, the open question remains, why promote and waste everyone 's time by offering this in the Optum app and portal to begin with???

There remains a link under my Optum account to an unknown XXXX XXXX account. I still do not know what account this links to as I closed the aforementioned XXXX Account after learning this was a broken feature in Optum 's portal and app.

I am missing {$9400.00} in funds. It neither appears in my Optum account nor in my XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, transunion and XXXX. Thank you in advance for your help and assistance.

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 2022-04-04
Company: Experian Information Solutions Inc.
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:
Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with Experian, XXXX and XXXX. Thank you in advance for your help and assistance.

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 2023-11-17
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called and spoke with in agent on XX/XX/2023 regarding account # XXXX with XXXX XXXX. There is a note " CONSUMER DISPUTES THE ACCOUNT INFORMATION ''. The agent said the comment would be removed in 48 hours. I then received report # XXXX stating the comment was removed and shout show correct on my next report. My credit was pulled by me and a financial institute and the comment was still there. I have since called back 5 times and gotten hung up on by 3 agents and excuses that I could not be verified by submitting my ID and answering all question by the agent over the phone. ( as I have done before ). I also have been instructed to send copies of my ID and verification of address. I did not have to provide this information during the initial contact for this issue. Now that they have messed up all of sudden they can't discuss with me because my identity can't be verified. I believe it it a stall tactic. Since the initial contact the home I have been trying to purchase has increased by {$3000.00} and the interest rate has changed. So, the lack of follow through by Equifax has costed be upwards of {$3000.00} so far. The truth in lending act protects me from inaccurate, erroneous statements being reported to my credit report and can also be the basis of me being awarded monetary damages that resulted as inaccurate information. I am first of all demanding this account be deleted from my credit report and I am requesting {$3000.00} in damages for the long drawn out resolve to this minor issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Utah System of Higher Education
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I owe uheaa {$1100.00} Im on a Disbursement plan while Im collecting interest. When Im being told by legislators that a bill was sign to help with student loans. I was terminated from my job from getting injured on my job making me temporarily XXXX. My account number-XXXX

Company response to consumer: Closed with explanation