BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2018-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The following note was sent to Experian website on XX/XX/XXXX and no reply was received : I want to cancel any subscription you may be holding for myself XXXX or my wife XXXX and want full refunds for all prior charges of {$21.00} each on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would like an email reply plus a phone call at XXXX Your numerous customer service numbers on line are impossible to use and I do not wish to give you my social security number. 


The following letter was mailed to Experian on XX/XX/XXXX on XX/XX/XXXX and no reply was received : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Madam/ Sir : This letter is to formally dispute your monthly charges of {$21.00} from XX/XX/XXXX to XX/XX/XXXX ( inclusive for 13 times ) to receive a monthly credit report. This was not authorized by myself, my wife, or by my daughter XXXX. These charges were made against my personal credit card. 
I would like a full refund made immediately and to stop all future charges. 
I can be reached at the address, phone, and email below.

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 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid 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:
I have been a member of USAA for more than 50 years and their customer service has become atrocious and extremely difficult to deal with. 
They advertised a Cashback Rewards Plus XXXX XXXX XXXX on their website ( usaa.comXXXX XXXXXXXX  ) clearly stating that one would earn {$200.00} reward bonus after spending {$1000.00} in 6 months. I called and asked for the card and was told that the bonus was in effect. When I received the card it appeared that they just renewed and old card issue 6 years ago. To make sure there was no misunderstanding I called them and was told by XXXX on XX/XX/22 at XXXX XXXX  at the XXXX XXXX call center that the card I had just received and had in my hand had the bonus with it and that I would receive the {$200.00} after spending {$1000.00}. I asked if she could email me that confirmation and she said she would put a note in the file and this call was recorded and anyone could check it to verify. I never got the bonus, spent over 80 minutes with customer service on 2 phone calls, filed 2 complaints ( XXXX and XXXX ), was told customer advocates were not available and I could not call them but they would call back in 2-3 days. They never called. They never looked up the recorded call. I am out {$200.00} and a lot of time. What more could I have done but to call them directly to verify I would get the {$200.00} which I did. Now they say it does not apply to the card I received. What is the point of a member advocacy team if they can not be reached and will not even talk to those they are supposed to be advocating for? I was put on hold so many times and eventually they even gave up trying to contact their advocacy team - saying I should just wait for them to call me. My answering machine works perfectly and clearly they never called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AL
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 Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX

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 2023-05-22
Company: EQUIFAX, INC.
State: OH
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 have had two debt collections on my credit report for XXXX XXXX, XXXX on XXXX, Equifax and XXXX. I have disputed them multiple times with Equifax and XXXX explaining to them there is errors and I am unaware of the account. Equifax and XXXX refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but Equifax and XXXX have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. Equifax and XXXX has failed to follow correct procedures with the law on providing me the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: NY
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 Sent complaint and Experian responded back with an auto message,

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 2022-05-17
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX there was an unusual activity from my Wise account. I received an email reporting a login from XXXX wich I tried to report without any result ( Wise telefones were wrong, the " not recognizing operation '' button didn't work and took about 15 min to find a way to communicate with them ). Then in the next 10 minutes I received notifications of 3 money withdrawal forms mi Wise Euro balance to GBP : XXXX XXXX - XXXX GBP ). Then a money withdrawal from my XXXX XXXX XXXX account. Only in that moment Wise suspend my account and I could reach to talk to them. 
Clearly my account was hacked. I clearly told them what happened and gave them all the documentation they asked to prove it. Today Wise respond that they will not recognize anything although they know it wasn't me. Even XXXX XXXX  XXXX could proved that my account was hacked and made a refund, but Wise took from me all my money without any guarantee. It was an entire year of work lost on the garbage.

This kind of services should not be permitted in US. They offer something they don't give, they're irresponsible, insecure and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Comerica
State: CA
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:
XXXX XXXX needs to be shut down. They are not above the law. They do not refund money when unauthorized purchases are made on social security credit card. I purchase a XXXX car wash and somehow under the transmission they took out all of my funds of XXXX. Now this is only a car wash not a place to pump gas. It was so obvious there was an error but XXXX XXXX denied my claim. You really need to investigate this I now think they have an automatic denial letter generated for false charges to the consumer 's and they forget they are regulated the federal laws like a bank. I believe this is an incredible crime on their part and I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
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 have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX advertises a credit card that will give a XXXX percent discount on the first purchase. I applied for the card and it was awarded to me on XX/XX/2022. The card is issued by Synchrony Bank. I used the card for an on line purchase of a miter saw on XX/XX/2022. Their on line process does not allow for the XXXX percent discount to be awarded at that time, so I called both XXXX XXXX and Synchrony Bank to request my XXXX percent discount. I have repeatedly spoken with customer service reps about the issue, and on XX/XX/2022, I learned that XXXX XXXX has denied my request ( which amounts to about {$32.00} ). I believe that XXXX XXXX and Synchrony Bank are misleading customers to apply for a credit card under false pretenses.

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 2015-03-26
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MS
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, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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

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 2023-12-07
Company: CCF Intermediate Holdings LLC
State: ID
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a payday loan online. I was approved for {$470.00} dollars and never recieved the funds in my account. After weeks with customer service nothing has been done, and they even tried to charge my card for the loan. I discovered they had sent it to the correct account number but had messed up the routing number. I have provided them all the documentation they have requested from me, in order to prove they had made the mistake and I have called upwards of 30 times to the response " it is being looked at, but you are still responsible for this loan. '' Which seems illegal and is why I am having to reach out to CFPB for help on the matter. This was my first time applying for a payday loan and speedycash is in my opinion allowing people like me to pay for their mistakes, with no actual service from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This card was no longer being used and I called to cancel it prior to the yearly renewal date and the {$80.00} fee involved. I was told at this time there was a charge on it that I had to pay before they would cancel it. The charge was from Amazon XXXX a monthly fee. This charge was supposed to go on another card but Amazon was unable to do this because the numbers had changed. Amazon never contacted me relative to this and just put the fee on this card, WITHOUT MY PERMISSION. I told Chase Bank I would not pay this fee of {$12.00} because I never authorized it. They said they would dispute it but could not cancel the card prior. I told them I had cut the card in half and wanted to cancel it prior to the renewal fee. Chase Bank added the renewal fee, did not remove the charge of {$12.00}, and continued to send me bills with late fee being added. This began I believe in XXXX XXXX and currently has grown to {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: OH
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 trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX XXXX Report Confirmation # : 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 XXXX # XXXX XXXX  XXXX XXXX # XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Synovus Bank
State: NC
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:
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation