BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I sent a certified letter on XX/XX/2019 to EXPERIAN with 3 separate disputes, each one had a  separate cover letter and each one was separated with clips. They acknowledged 2 out of the 3 disputes that I sent but never opened a dispute for the last one or notified me of any results. The dispute in question is in regards to inquiries on my credit report that I did not authorize. I did send a follow up letter as well to address the issue and still no response. 

" Under the FCRA, a credit reporting agency has to review and respond to every dispute it receives within 30 days. If the review isn't completed because, as commonly happens a data furnisher doesn't get back to the bureau in time, the agency is obligated to remove the disputed record. ''

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 2020-12-15
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: Account information incorrect

Complaint:
Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. XXXX  XXXX XXXX has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. XXXX  XXXX XXXX XXXX  is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.

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 2023-11-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Dear Sir/Madam, I received {$90.00} from a friend today to my PayPal account which is XXXX. However, PayPal charged me {$3.00} for this transfer so I received {$3.00} less from the original amount. I called to complain and XXXX representatives were very rude and they said they could not refund the money back to me. 
PayPal is ripping off customers like me by charging excessive fees. I was supposed to receive {$90.00} and they took {$3.00} from my account. They did not give me any information about this fee and I was not aware that PayPal charges any fee for incoming payments. 
I demand to receive {$3.00} back from PayPal and they should stop charging us excessive fees. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  allowed someone to set up an account under my name, I told them to close the account and deactivae the service now they send me a bill! XXXX XXXX  will be reported to the ftc also

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is through Wells Fargo XXXX XXXX XXXX. We had an issue in getting the mortgage insurance payment removed and had filed a complaint via cfpb earlier this year. XXXX did respond and finally removed this charge however, they did not refund the XXXX months that were collected in error. According to the loan, once it reached XXXX, loan was XXXX  years or older and had XXXX months of current payments this insurance would be removed. Per the XX/XX/XXXX statement the loan balance was below the XXXX amount required to remove the MIP ( the statement on XX/XX/XXXX shows balance of XXXX ), the loan was also older than XXXX years and also had more than XXXX  months of on-time payments. We eventually filed a complaint via cfpb in XXXX as XXXX did not want to remove this extra insurance after we tried to work with them. On XXXX XXXX after all requirements were met XXXX made a mortgage insurance payment XXXX MIP ) of XXXX again the balance here showed below the require XXXX. Again on XX/XX/XXXX WF made yet another MIP payment of {$69.00} even though AGAIN all requirements had been met. Eventually after XXXX asked for an extension to look into this matter they came to the conclusion on XX/XX/XXXX that in fact conditions were met and that MIP should not be collected. We have yet to date received a refund in the amount of XXXX as these should not have been paid and they were also being reviewed prior to our complaint with cfpb and payment to MIP also were made after the complaint was filed. We would like our refund that is due to us for XXXX improperly charging and collecting this MIP as all conditions had been met.

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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a letter from Chase Card Services saying that I was denied for an credit card account, which I never applied for. I have contacted my credit reporting agency and waiting to hear from Chase Bank on the fraud/ identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Best Buy credit card which I setup with auto-pay when I opened the card several years ago. However, I hadn't used the card for some time prior to making a purchase about two months ago. Unbeknownst to me and without any prior written warning - Citi turned OFF my auto-pay and today tried to slap me with a {$30.00} late fee. 

They reversed the charge when I called them directly but more concerning is that the Citi rep : a. ) Couldn't tell me what exactly the 'idle ' time was on the card before Citi decided to turn off auto-pay. 
b. ) Couldn't tell me why no communication was provided for this 'feature ' of the card. 

This seems extremely predatory- and the likelihood that many consumers just pay the late fee is probably quite high - making the whole process seem like a violation of UDAAP Section 3. I also wonder if there is some loophole for 'Loyalty " cards that allows them to do this - because I have several other cards, both from Citi XXXX XXXX XXXX XXXX XXXX XXXX that have never had the auto-pay simply get turned off without warning because I haven't been using them.

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 2023-04-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted my first dispute on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX Equifax XXXX and XXXX XXXX XXXX XXXX breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Goldman Sachs is reporting a late payment on my account. This late is from XX/XX/23. 
I thought I had this account on auto pay but unfortunately was not. This late payment was an oversight. I am asking that you please make this one time good will adjustment to my credit file. I have been working on it for years and I saw a significant decrease in scores from this XXXX late payment. Please remove the late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX and the Original creditor : XXXX XXXX in the amount of {$1100.00}. I was in an XXXX  marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXXes due to the ongoing XXXX. I finally came forward about the XXXX  and the XXXX  put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just started a new job, and now i am trying to get approved for my home. I am requesting to settle this debt with {$500.00} and deletion of this debt when paid in full. I need to start over successfully with my kids as a XXXX mom.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My husband purchased a {$300.00} XXXX gift card for me as a gift from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN ) on XX/XX/XXXX and received an Activation Status Receipt with an authorization approval along with the gift card. The gift card packaging was unopened and intact. I attempted to activate the gift card online at prepaidgiftbalance.com on XX/XX/XXXX and received an error message ( Prepaid Gift Balance is a part of US Bank Gift Card which is a part of FSV Payment Systems ). I called the XXXX # on the card and was routed to a Customer Service Rep. I was informed the gift card had been deactivated because there was attempted activity on the card in XX/XX/XXXX and it was sold and loaded with funds in XX/XX/XXXX. This indicated fraudulent activity to them and thus the deactivation. I was told they would look into my issue but contact the store where it was purchased since the problem happened there. I faxed the requested info to prepaidfigtbalance.com to start the " investigation '' and followed up a day later to verify they received the fax. They told me it would take 5 days to verify they received my fax. If they didn't receive it to fax it again and wait another 5 days for verification. They don't have an email to send documentation. They will not let you talk to a supervisor or escalate the issue. 

I contacted XXXX Customer Support on XX/XX/XXXX and they were unwilling to assist me. I went to the local XXXX store where the card was purchased on XX/XX/XXXX and was told by the Store Manager they are unable to assist me and have no responsibility whatsoever. I asked for their assistance in resolving this with Prepaidgiftbalance.com and they refused. However, this is not an isolated incident at this particular store. The clerk working Customer Service at the store said that a customer had come in the previous day with the same issue. Yet XXXX continues to sell these fraudulent cards even though they are aware there are issues.

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 2019-05-08
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX and XX/XX/2019, my debit card was charged 15 times to XXXX XXXX in several different states. I discovered it on XX/XX/2019 and reported it to Direct Express, They immediately cancelled the card and issued another card. They sent the paperwork via mail about the dispute for me to complete. I received the letter on the XX/XX/XXXX and on the XX/XX/XXXX, I dropped it in the mail. I was calling every other day to check if they had received it and each time they would say they have not received it. On XX/XX/2019 they advised me that I can send it by fax and on the XX/XX/XXXX I  faxed it to the Fraud Department. I called on XX/XX/XXXX to see if they had received my fax and I was informed that they received the fax. I asked when will I receive a provisional credit and I was informed that it was past the ten days from the initial call and I would not receive a provisional credit. I feel this is unfair to me because I did not authorize no one to use my card or my number. I do not understand why I have to be punished for someone who stole from me. Below is the list of the charges that was done on that card : XX/XX/2019 : XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$24.00} XX/XX/2019 : XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$38.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : {$34.00} XXXX store # XXXX Amount : {$24.00} XXXX store # XXXX Amount {$36.00} XXXX store # XXXX Amount : {$32.00} XXXX store XXXX Amount : {$43.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : XXXX XXXX store # XXXX Amount : {$27.00} These are the charges that was charged to my debit card. My SSDI check is direct deposited to this card and I was under the impression that my benefit check will be safe with them and now they are telling me that I will not get my money back because of the deadline, this is not fair at all. 

Thank you for your cooperation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: U.S. BANCORP
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Business credit card was offered with a {$500.00} bonus if {$4500.00} was spent using the card within 150 days of account activation. Promotion included unlimited employee cards and card paid a favorable percentage back on fuel purchases, which is the obvious selling point of this business card. 

On XX/XX/2023 I activated the card, and shortly thereafter I requested and received employee cards for those employees of our business that drive our trucks and therefore spend money on fuel. 

We reached the {$4500.00} threshold within 60-90 days of account activation. US bank failed to pay the promotional {$500.00}. On XX/XX/, I received a letter stating that I did not meet the promotional requirements. When I contacted US Bank, the reason they provided was that the promotion was only for my individual card - and not the business account as a whole. That is a blatant lie. The account is in the business name, it was signed up in the business name, and it is a business card for business purposes- specifically fuel purchases. US Bank is being disingenuous at best, and at worst they have committed fraud - which in North Carolina is subject to the North Carolina XXXXnfair and Deceptive Trade Practices Act ( UDTPA ), which is found in Chapter 75 of the North Carolina General Statutes. 

I contacted US Bank but received no assistance in resolving this issue. 

US Bank owes me {$500.00} now, or I sue them and claim {$1500.00} in treble damages.

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: EQUIFAX, INC.
State: IN
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:
NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS SO CALLED " ATTORNEY FIRM PROCEEDING DEPT '' XXXX IS RUNNING A SCAM OR FRAUD CALLING PEOPLE ABOUT OLD DEBTS ON THEIR OFFICE DEPOT ( IN MY CASE ) CREDIT CARD ( OR OTHER CREDIT CARDS ) THAT HAVE BEEN ALREADY DISCHARGED IN BANKRUPTCY COURT YEARS AGO ( MY CASE IN XX/XX/2013 ). 
THEY START BY ASKING ME MY NAME AND LAST 4 OF SS NUMBER AND THEN THEY SAY I HAVE AN OUTSTANDING DEBT OF {$3600.00} OR SO ( THE SAME AMOUNT THAT WAS DISCHARGED IN COURT ) AND THEY ARE DOING PROCEEDINGS TO COLLECT IT AND THREATENING TO TAKE ME TO COURT. 
I HAVE ALL PROOF THAT THAT DEBT WAS DISCHARGED AND THEY KNOW IT BUT THEY ARE FRAUDULENTLY TRYING TO COLLECT IT DESPITE THE DISCHARGE TRYING TO CONFUSE YOU INTO THINKING THE DEBT WAS NEVER DISCHARGED. 
YOU SHOULD TRY TO REVERSE LOOKUP THAT PHONE NUMBER ( OR WITH THE PHONE COMPANY ) TO GET THE LOCATION OR ADDRESS OF THAT OFFICE AND NOTIFY THE STATE ATTORNEY TO ARREST THEM. THIS IS A TRUE SCAM AND FRAUD ATTEMPT TO ROB YOU OF YOUR MONEY.

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 2023-10-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have the misfortune of working with NELNET as my student loan serviced, and I have not been able to view any statement that they claim to have made available on their website ( download link is broken and redirects me to home page ) I have been on hold with customer service for over an hour and a half now and call my loans say they are not due to start making payments again until next year, despite the loan forbearance being overturned a few months ago.

Company response to consumer: Closed with explanation