BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: IL
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 did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It's been over XXXX  days since i sent the letters to the credit burau I waited more then XXXX days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from Equifax and XXXX but still show on XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: NJ
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. 
account # XXXX. 
account # XXXX. 
account # 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 15 U.S.C 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
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX  ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX XXXX XXXX ) - ( XXXX ) XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Child support Nebraska : XXXX Child support Nebraska : XXXX Child support Nebraska : # 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 reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MD
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-14
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice with the CFPB serves as my written response to the CCS dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX of 2023 I opened a fraudulent claim with my bank called chime someone unauthorized charged my account for the amount of {$1800.00}. When I opened the fraud claim it took them ( 2 hours to reject my claim ) They didnt even take time or effort to investigate which I found poor of there part ( I have proof of that as well ) I called back the same day to explain my frustration and they let me reopen the claim which they call rebuttal and its been 30 days now and I havent been able to get my money back. I have called them countless of times and they literally hang up on me and ignore me and every time I want to speak to a supervisor they do the most to not transfer me! Please help I want this resolved! 
They have also done this in the past! Someone stole {$700.00} from me and same thing was rejected 2 hours later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On about XX/XX/XXXX, I received an instant message stating that I need to contact Cash App because fraud had been detected on my cash app card which was attached to my TD Bank account. I called the number provided ( see email provide to XXXX XXXX ) and was told that I should put in several codes provided by the person to correct the problem and did as I was told. Not realizing that the codes were actually dollar amounts being scammed via cash app and XXXX from my bank account, which actually started on or about XX/XX/XXXX directly through cash app and without my knowledge. Before I realized what was happening the scammers had depleted my entire bank account of approximately {$15000.00} of FDIC Insured cash, leaving me owing the bank. Once I realized that I had been scammed, I immediately contacted the bank ( see email ) and cash app and file a fraud report. I was told by cash app that they were not responsible and could not stop the transactions ( see email attached ) and I was provided provisional credit of the missing funds in about 3 day by TD Bank. On XX/XX/XXXX, I was notified by TD Bank that my account had insufficient funds available and was locked out of my account access. I had not spent the entire provisional credit and should have had {$6600.00} available. I immediately contact TD Bank to obtain information about the issue and was told that they had taken the FDIC insured provisional credit back after review of my claim and that I now owed the bank {$6600.00} and that no transactions would be allowed on this account. I disputed this resolution with the bank and while waiting for the results of my dispute on XX/XX/XXXX, my FederaXXXX XXXX Allotment of {$1700.00} received into the acccount ( see email ), which was not suppose to be allowed, was used by TD Bank to pay off some off the disputed amount. This XXXX allotment should have been returned to OPM ; however, the bank decided that they would do as they pleased after treating me as if I were the scammer who committed fraud on myself. I filed a police report ( see attached ) with XXXX XXXX Police, to investigate the bank and scammers. I am permanently XXXX and need my money to survive. I would like for the CFPB to conduct an investigation, have the bank return my funds, and be compensated for the inconvenience and further deterioration of my mental and physical health XXXX do to their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received an " automated '' text message from Portfolio Recovery Associates on XX/XX/XXXX regarding a debt that they purchased through someone else. I unsubscribed to receive messages/telephone calls from said debt collector. I then received a phone call from them on XX/XX/XXXX at XXXXXXXX XXXX and again XX/XX/XXXX at XXXXXXXX XXXX. I rejected both calls as I had already unsubscribed from receiving calls/text messages from the debt collector. Then on XX/XX/XXXX, I received another " automated '' text message from Portfolio Recovery Associates, to which I attempted to unsubscribe once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an Adadvantage Aviator Business card on XX/XX/2019. I received the card, but it was locked pending business verification. I sent in business verification documents, but after over 2 months, the customer service representative said that the documents had not been reviewed yet and my account was still locked. The annual fee had already been charged for a card that I could not even use. Therefore, I closed the card and was told the annual fee would be refunded. 

The following month, I received a statement showing that I owed the amount of the annual fee. I called Barclays 's customer service and was told the previous representative made a mistake and the annual fee was not waived. The new customer service representative said they would refund the fee. 

The following month, I received a statement showing that I owed the amount of the annual fee as well as a late fee. I called Barclays 's customer service and was told the previous representative made a mistake. The new customer service representative said they would refund/waive the annual fee and the late fee. 

This cycle has continued for over 3 months, and the credit card account ( which was locked immediately after I received it, and which I never was able to use ) still shows a balance from the annual fee and late fee, despite multiple customer service representatives saying they would fix 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 explanation
Consumer complaint received 2023-11-06
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with chime and I had my social security check deposited into my account and as soon as I started spending my money my account was put on hold for multiple occasions claiming I needed to verify so I verified who I was over 15 times, four times with face recognition Ive sent over all my paperwork and every time I give them what theyre asking for they start finding other reason for why my account is locked I have over XXXX inside my account they have denied another {$4500.00} from social security so its put my account on hold and stop me from Receiving my benefits. My main issue is that they dont have a reason for why theyre holding my money and I dont understand how someone could just take someone elses social security benefits XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company MCM keeps calling me. Ive asked him to stop. They dont listen to harassing me to the point to where my XXXX is at an all-time high.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
In late XXXX I deposited three checks in a Wells Fargo atm. As it was processing the checks, the atm displayed an error message and began rebooting. I panicked and waited in front of it in the hopes of getting my card and checks back. It gave me my card back, but not the checks. I called the number listed and filed a claim. Mind you that this atm is the only one in the entire city. Nine days later they adjusted the money into my account and sent me an apologetic letter saying that the money was put back into my account. Two months later I received a letter with a new claim number stating that an investigation was still ongoing. As it turns out, Wells Fargo started a new claim on my behalf and was looking for the checks from two months prior that were stuck in the machine. I sent them proof that the checks existed and the issuers of the checks confirmed that they had not yet been cashed. A month later they took the money out of my account and started another claim for me. Today I called asking for an update and they said there was nothing that they could do and to just ask the issuers to write new checks. The female representative said things like, its not our problem, people lose money in atms all the time so youre not the only one with this issue, we didnt take your money, a machine did, machines make mistakes all the time so youre not getting your money back, and we are not going to start a new claim for you. I have banked with Wells Fargo for over 14 years now and I even used to work for them. This was the most disheartening experience I have ever had and I still have not gotten my checks or money back nearly 5 months after THEIR atm kept my checks.

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 2022-08-08
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi Consumer financial Protection Bureau, I want to complain and get information about how to proceed in order to sue or get an economical reimbursement from TD Bank, i opened an account in New York around 6 months ago and since the beginning since it is a personal account i opened as a tourist to use XXXX and get better prices to purchase flights and stuff i was suposse to get proper support in case my account has issues. 

like a month ago i place a request for a strange charge in my account, my account was locked and was hard to use my debit card, one agent reached me and i ended up having everything resolved with her after a bunch of calls with ither agents, the main request made was reviewed afterward and also delayed for about 2 or 3 weeks and the company closed my debit card even though i stated over call more than once that i am not in the country so i can not go to the bank phisically to get a new debit card or things like that. 

Even thought i clarified repetedly that i was not able to go ( and it should be listed in the account ) and also i asked to be reached by mail or to the uruguayan phone listed in the account, the agent who handled this case after it was resolved and also delayed took actions without my consent, in consecuence of this i have NO WAY to use my money and i need to pay things and also flight to XXXX and also to XXXX, TD Bank and their customer service in general jeopardize my finances and this is costing me a lot of stress. 

The customer service company policy states that they review and contact back after 24 hours and they answer this weeks later and took further actions without reaching me, i find this odd and incredibky disrespectful as an international user of the bank. 

This is a nightmare, hope you can help me. 

Thanks in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: ROBINHOOD MARKETS INC.
State: NY
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:
My Robinhood account was hacked, with the company themselves admitting to a database breach, the hacker ordered a debit card provided by Robinhood and proceeded to withdraw all the funds in my account to the debit card while locking me out of my account and changing passwords. Ive messaged and called Robinhood for exactly 30 days and once they got back to me they refused to give me any information and refused to reimburse my stolen money of XXXX XXXX 
After getting back into the account I saw some of the local purchases thief made

Company response to consumer: Closed with explanation