BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2022, I purchased a XXXX from XXXX on my XXXX XXXX XXXX. On XX/XX/XXXX, the purchase was shipped in two separate transactions and charged to reflect amounts of {$590.00} and {$63.00} equaling {$650.00}. I purchased another XXXX from XXXX on XX/XX/2022 which was paid in full upon next payment due date. 

I called Amex customer service to use Membership Rewards points for the purchases on XX/XX/2022. Unfortunately, the representative mistakenly applied the points redemption to my XXXX  card XXXX. I called Amex customer service again to correct their error. 

On XX/XX/2022 the error was corrected, however, Amex had missed my statement cut date of XX/XX/XXXX, so my balance due was over by {$650.00}. I asked Amex customer service to correct this and lower payment due which they did, also on XX/XX/2022. 

With that, I believed the case to be closed. As we have the XXXX purchase, an adjustment credit in moving the XXXX  credit to the XXXX, an adjustment debit on the XXXX, and adjustment credit on the XXXX. Leaving two debits and two credits all in the amount of {$650.00}. 

In XX/XX/XXXX, Amex added a charge to my account of {$650.00} indicating an accounting error. I disputed this internally and on XX/XX/XXXX, I received a letter stating they had issued an additional credit on XX/XX/XXXX from a debit occurring XX/XX/XXXX. Unfortunately this leaves out the original XX/XX/XXXX purchase. 

I called Amex customer service again and another dispute was opened. Then in a letter dated XX/XX/XXXX, they stated their charge is still accurate, again failing to reference the original transaction on XX/XX/2022. 

Upon receipt of that letter I called Amex customer service again and that representative was unable to help me. I have now spent countless hours on the phone with Amex representatives including level II and supervisors and Amex refuses to correct their error that was originally caused by their representative misapplying my rewards points to the incorrect card/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX  because I liked the simplicity and technology-inclination this bank appeared to have. 

On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. 

At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. 

I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX  knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION is reporting negative items from XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

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 2023-12-02
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:
Wells Fargo refused to resolve my dispute with the vendor, this vendor had overcharged me XXXX in the past for dental work and Wells Fargo disputed the charge and return my money, however I was recently charged more than what I signed for on the receipt and this time Wells Fargo has sided with the vendor even though Wells Fargo have my receipts. 
The credit card statement shows that more money was charged than what was noted on the receipt. The charge was XXXX on XXXX, but the credit card statement shows XXXX which is a difference of XXXX  Also on XXXX for another dental procedure at the same office I was charged XXXX but the statement say XXXX a difference of XXXX. 
Thanks for your help.

Company response to consumer: In progress
Consumer complaint received 2023-06-25
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: Account status incorrect

Complaint:
Dear Experian, Re : XXXX XXXX XXXX Account I am currently in the market to buy a new home and car and was reviewing my credit report. While I was reviewing my report, I noticed an errors on XXXX XXXX Bank Account. You are reporting information about me which is inaccurate. This account has been closed as reported. Other 2 credit Bureaus have this account as closed while on Experian it is listed as open. This account was closed in XXXX of 2023. This account has not been properly verified. Delete the following account immediately for failing to comply with FCRA : Re : XXXX XXXX Bank 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 2021-12-04
Company: MARINER FINANCE, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Mariner finance suddenly appeared on my credit report a few years ago. Ive been reaching out to the repeatedly and disputing through the credit bureaus over the years. I have never had a loan with them. I asked for proof of the debt and they were refusing to budge on that as well! Ive tried many times to get it removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}

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 2018-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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
Consumer complaint received 2022-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday, XX/XX/XXXX my wife received multiple spoof texts and a call from what appeared to be USAA, our bank. Unfortunately, she shared, over the phone, some of her login information. Upon hanging up she realized something seemed off so she immediately called USAA. USAA 's fraud department confirmed this was fraud and helped her change her login information and change the address on our account back to our proper address. Today, XX/XX/XXXX, we noticed massive withdrawals from our checking account. We, once again, immediately called USAA only to find out nothing was changed in their system as promised and that a new card and credit card were sent to the fraudsters. We are still on the phone with them now but are getting the runaround. No one takes accountability over there. 

As a side note, when our son turned XXXX they shut access to his account off with no warning and it took nearly two months to resolve that. 

They are a disaster right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-09-12
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:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

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 2023-12-14
Company: Credit Karma, LLC
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit karma money is awful STAY AWAY!!! The XXXX they put you through a customer for a few years now my card was stolen one time through the years the day before they legally need to provide you a provisional credit they freeze and lock your account and tell you there is a special department handling your account and the only channel to reach them is via email what a joke im dumbfounded awful awful awful they are not for there customers I will be contacting the XXXX XXXX XXXX and consumer financial protection bureau in regards to this I live on a limited income and my direct to deposit is again going to be held up again years as a customer this is a terrible way to treat loyal customers I will be contacting the local media also be prepared just because i have a XXXX and you see I get my benefits direct deposited every month does not mean you can use my XXXX against me and lock me out and freeze my account from accessing my money it's discrimination and I am contacting everyone in my power until this is dealt with I can't get a hold of anyone email only well I don't email you my money I need it im in a financial hardship STAY away from this company my email Incase anyone wants to reach out to help me from the company or elsewhere is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TXXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX and 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 2023-02-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2023, I downgraded my American Express XXXX XXXX to a Gold card, the customer service agent did not disclose to me that I would forfeit the XXXX Membership Rewards points earned on the card. I miscalculated the date, which I originally upgraded the card. On XX/XX/2023, I received an email from American Express that XXXX points were removed from my account. On XX/XX/2023, I called American Express and requested that my XXXX account be re-opened as I made a mistake in downgrading the card, and asked for the XXXX points to be reinstated in my account. The customer service agent opened a claim. On XX/XX/2023 I was informed that the XXXX points would not be reinstated into my account although I re-opened my XXXX XXXX and paid the XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was expecting wiring instructions for down payment and closing fees on a home purchase, and received fake wiring instructions pretending from " XXXX XXXX XXXX, P.A. '' which were sent from from XXXX account as " XXXX '' Received several emails starting XX/XX/2022.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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