BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Winklevoss Exchange LLC
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I disputed the charges and file a complaint with the XXXX XXXX XXXX XXXX to send a complaint to the " hotel '' and their percent company provided photos of broken tiles and thorn seats explained it all left after 2 days and was charged XXXX for that. and it was not a functional hotel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX for {$650.00} submitted on XX/XX/2023. 


I am writing to appeal the decision regarding my recent billing dispute for a stay at [ Hotel Name ] in XXXX XXXX, MD from [ Dates of Stay ]. I booked this hotel specifically because they advertised having suites with kitchens, which my family requires to observe XXXXXXXX XXXX XXXX 

Upon arriving at the hotel, we discovered it was under extensive renovations with no services- contrary to what was represented during the booking. The property was unsafe and uninhabitable, with a dumpster out front and no staff besides one person who instructed us to throw our own garbage outside. 

I disputed the charges for the unused portion of our reservation, but you sided with the hotel 's version of events without conducting a proper investigation. I have provided photographic evidence clearly showing the hotel 's unacceptable condition. 

It is unjust for you to reimburse the hotel when they misled us and failed to provide habitable accommodations. As a loyal customer for [ XXXX years ], I kindly request that you reconsider your decision in light of the supporting documents provided. Please refund the charges for the [ 2 ] nights we did not stay at the property. I am reasonable in my willingness to pay for the nights used, although the stay was extremely unsatisfactory. 

I look forward to your prompt response and handling of this appeal, as the disputed amount of [ Charge amount ] is a financial burden. Please contact me at [ phone ] or [ email ] with any questions. I hope we can swiftly resolve this issue to our mutual satisfaction. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 XXXXXX/XX/2020 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 explanation
Consumer complaint received 2021-08-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The creditor is Best Buy Credit. I have made consistent and frequent payments over the last 2 years and 5 months. I have never been late on a payment and according to my records I have paid {$3700.00}. On XX/XX/XXXX apparently a charge of {$5000.00} in interest was applied to a {$3400.00} balance resulting in a {$8400.00} balance. I called 6 times to speak with a customer service representative. 4 of the 6 times I was hung up on and 2 of the times I was put on hold for over an hour before being hung up on. I tried accessing my account multiple times online only to receive error messages. I requested to close the account which I was able to do but I was not told how the {$5000.00} interest charge was applied and to what item it applied to only that it was due to an expiration of a promotion. To my best recollection any promotion was only going to revert to a APR of 14.9 % after the interest fee payments of 24 months. Best Buy has been non communicative and unable to provide the information when requested multiple times. The last I had heard was that it was escalated and that someone would contact me but I have yet to hear from the company. A 143 % increase in the overall balance while paying on time over the last 2.5 years is egregious and should be remedied. I am not opposed to paying what I owe with a reasonable interest rate. In my mind Best Buy practices predatory and fraudulent lending on par with loan sharks.

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: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a text from a company that called themselves Greensky. they were thanking me for my request for a loan. I hadn't applied for any loan so i ignored it. A few days later I received another text telling me my loan had been approved. Again I ignored it thinking it was some sort of scam. A few days after that I received another text advising me that a comapny called XXXX XXXX XXXX had requested an {$8200.00} payment from my available loan for work they had done for me. I looked up Greensky and found that you had fined them for allowing contractors to take out {>= $1,000,000} in fake loans and were fined XXXX XXXX by the cfpb. Then I decided to send them a text saying that I new about their fine and was filing a complaint with you. When I went to send the text my phone warned me that I might be charge for it so I didn't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.

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 2021-08-27
Company: EQUIFAX, INC.
State: NY
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 was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BARCLAYS BANK DELAWARE
State: RI
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 have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX. 
This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance! 
In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!! 
I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you. 
Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?

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 2023-01-23
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Total scam/fraud I received a XXXX gift card for my birthday as soon as I activated the card and tried to use, it showed that the card was already used by someone else. Called customer service and filled out a form from for Vanilla to get a reimbursement due to a faulty charge on the Vanilla card and it's been over 120 days. I contacted customer service and waited over an hour on hold. When I finally got to talk to a customer rep they could not understand me and I barely could understand them. When I try to look up my card online or check my balance the site states a system fault and to try back later. This happens every time. My card now is on hold and I can't place any charges on it or make any transactions. DO NOT buy this card. Highly recommend that you DO NOT buy this card. Really really bad customer service. Very POOR business on their part. I have lost the {$100.00} and guess I'll never get refunded. They have outright stole the money from me... There is nothing I can do about it. 
There are so many additional complaints explaining the same thing : https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: National Credit Adjusters, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit 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:
There was a purchase that showed up on my Wells Fargo account for {$290.00} that was not made by me or anyone else in my household. The card has always been with me and sparingly used. I tried multiple times to have this charge removed and wells Fargo keeps saying that it was definitely used at the store. The number and chip data were breached somehow and the purchase made. I know that this can be done. I am an honest XXXX XXXX XXXX person with great credit and just want this fraudulent charge removed from my 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 2023-01-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance Owed : {$600.00}.

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 2023-01-15
Company: EQUIFAX, INC.
State: AZ
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:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given Equifax my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiry from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CL Holdings LLC
State: NY
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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 FCRA Laws The Credit Reporting Agencies Experian, XXXX XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: SC
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$900.00} 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 Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XX/XX/XXXXXXXX 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 2021-01-11
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 noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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:
Experian claims that I didnt authorize my own complaint. Please investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # 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 2021-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear CFPB, My banking account says I have a balance of {$14.00} however my XXXX document indicates I have {$210.00}. I am doubt 95 % certain my balance has some how an impact, I have been transaction in XXXX, there maybe potential currency exchange differences.

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