BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was stolen on XX/XX/XXXX and they refuse to reimburse me for charges on my card .it was canceled on XX/XX/XXXX they refuse to reimburse me for the charges on XX/XX/XXXX thru XX/XX/XXXX the person was caught with my card and I sent them a police report but they said my time had lapt for reporting it..I had no way of reporting the incident because I was incarcerated from XX/XX/XXXX untill XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i had a mortage with loan care loan number XXXX phone number XXXX or XXXX the loan was paid out on XXXX i sold the house loan care report to credit agency that i took out from them forerance plan which i never did due covid 19 and now i am applying for a refiance and the credit agency now got report from loan care that i apply for forberance plan which i never did now underwriting for my refiance is telling they need letter from loan care that i never apply for a forbarance plan which i need to go foward under covid forbarance plan no bank should never report to the credit agency thanks XXXX XXXX XXXX sunny day way XXXX fl XXXX phone 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 2023-07-11
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2021-03-06
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  was closed charge off Plaza services reporting XXXX XXXX  account with incorrect balance and open date

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I open my PayPal account was using it peacefully and had no issue until I was in XXXX XXXX, I add money to my account to buy my ticket back to XXXX when I release that I cant use my PayPal debit card even being that I just load money. That was the only cash I have, I have to get stranded in XXXX XXXX for two days going back and forth with them. They said there are account which are linked to my name and social and have negative balance which I have to resolve, I send them information like police report and XXXX XXXX report on my information being compromised but it been almost a month now, last week they sent me an email saying my account has been restored, view and when I when I check it was not and during that time I couldnt do anything to my account, and I saw a transaction being made for XXXX XXXX for XXXX $ which I haven no idea how that happen, as of now, my account is frozen with XXXX . I am writing for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-07-29
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We bought an above ground pool for a merchant who used Greensky Finanacial. The pool has never worked, and my husband and I have replaced every system in the pool except the shell. We have had to replace the filter system, 2 liners... etc. I have contacted Greensky because we want to stop payment on the loan. We are basically paying for 2 pools, and we have only used the pool for XXXX a summer since we got it in 2020. I called to make a compliant at least 5 times with Greensky to help with a resolution. I have only been called back by a so-called specialist once. They are useless and I am pretty sure they are doing nothing to help. It was a {$15000.00} and we have a balance of {$7000.00}. We would like to stop payment on a lemon of a product. Please let consumers know how terrible Greensky is and to not ever use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I stamped accepted for value and endorsed my loan on commercial paper for securitization. It was received XX/XX/2023. By law if my instruments are not accepted, they are hereby discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX around XXXX XXXX  EST, I send in a check to my Local PNC Bank Branch that was fake. It was scammed by someone via email who was offering me a remote Data Entry Operator job. This scammer mailed me several fake checks that I initially had no awareness of their validity. The first check total to {$6800.00}. Also, due to the scammer tricking me into buying multiple XXXX payments, I lost a total of {$11000.00}, with XX/XX/XXXX adding in the last additional loss in damages. 

It was not until late at night at around XXXX PM on XX/XX/XXXX was I given an email that my account was now in Low Cash Mode. This was naturally due to the scammer tricking me to use up all my money within my checking account. However, despite already informing all parties relating to each specific ATMs I used, as well as contact the Ohio Attorney General and filing a claim towards the FBI about this scammer, the PNC Bank where my account resides, made no attempt about informing me regarding the fake check or made any attempts to raise suspicion relating to the transactions. Especially when it took less than a day to process the fake check and see if the {$6800.00} was transferred into my account, that made me assume I had all available funds thanks to the Scammer, had my bank account contacted me about the forgery, my savings would have likely been prevented early on. Also, the scammer lied about paying for uber if it means being able to get payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yes I XXXX XXXX Have call Trans Union multiple time about inaccurate ideas on my credit report I try to dispute but they gave me no help.

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 2021-03-05
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$34000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 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 explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CitiBank notified me on XX/XX/2022, that my account would be closed and that within 60 days they would refund my money. As of today, XX/XX/2022, I have not received my funds, which means that the {$2000.00} that I transferred from XXXX Bank XXXX XXXX XXXX account to CitiBank does not earn interest. I request the immediate return of my {$2000.00} funds.

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 2020-08-05
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: Information belongs to someone else

Complaint:
After contacting Equifax over seven times after supplying them with multiple FCT and Police reporting regarding being a victim of the Equifax Security Breach and Identity Theft They refuse to comply with FCRA 605 B telling me that inquiries are factual information. Not when they are fraudulent they are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$2500.00} transfer from my personal account to the Chime checking XX/XX/2023 the second transaction was supposed to be a {$6500.00} transfer from my personal account to the chimes checking account which my XXXX XXXX XXXX stop that transaction from happening which led to closure of Chime account with my {$2500.00} still in that account chime closed my account XX/XX/2023 and Ive been trying to get my {$2500.00} back unable to. They said they need a photocopy of my ID a written explanation and proof of transactions. Ive sent that information several times and still have not resolved the situation. They keep sending me an email back, saying they need a copy of all the information that is required to XXXX or XXXX and nothing. Here we are in XXXX and still nothing also, the number that they have doesnt help either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2022-06-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-10-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I received a first time notification that my citibank credit card was closed. I've had this account for 33 yrs 7 months and I am not in default with them or any other creditor. I called Citi and they indicated the account was closed for inactivity. I received zero previous notifications from them indicating my account was under review for potential closure. This my oldest credit account and the basis of my credit length. Without this card my credit history shortens by 13 years. I called to complain and the representative indicated they sent me a letter via USPS on XX/XX/XXXX but then closed my account XX/XX/XXXX and then sent me an email on XX/XX/XXXX stating the account is closed. Zero opportunity for me to take any advance action to prevent losing my oldest credit card. The lady and her supervisor both indicated they " could try '' to reinstate my account but to do so would require a hard pull of my credit file. I asked why since I was a customer in good standing on XX/XX/XXXX a hard credit pull was required. They said it's the process. I complained that a hard pull stays on my credit record for 2 years which would cause a lowering of my credit score. I also indicated that since they closed my oldest account without my knowledge that would hit my credit score lowering it even further. I currently have an XXXX score and have been proud to have a score over XXXX for years. Thats about to change dramatically. Both representatives indicated that there was nothing they could do. I asked for the supervisors supervisor to call and she said it would be up to two days for the return call. So the damage is done. Citi will report the card closed. I could take a chance they " might '' reopen the account with a hard credit pull and both actions will lower my score for months if not years to come. I believe citi acted in bad faith by not advising me about their review until after the fact and feel some action needs to be taken against citi to fix my issue and prevent this from happening to anyone else.

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 2023-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
USAA 's previous response to claim XXXX omits critical elements regarding this dispute. USAA 's representative verified that they went through a system migration which canceled out users auto pay. If this were not true, USAA would have never submitted a letter on my behalf to remove the late payment. This information has been completely left out by USAA and can be easily verified with the credit bureau 's. This report is not accurate or fair, and is the reason that a letter was summitted on my behalf. USAA 's representative responding to this matter was also extremely rude when handling this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My credit report from XXXX and XXXX incorrectly reports that I was late for my XXXX XXXX XXXX XXXX XXXX for XXXX XXXX for the months of XXXX and XX/XX/2022. I never received a bill from Barclays XXXX XXXX XXXX ) for those months. 

Prior to XX/XX/2022, I had no balance on the account and then had an annual warranty charge posted in XX/XX/2022 for {$69.00}. The charge was correct but I never received any notification or billing from Barclays for the charge. 

I asked Barclays to investigate and they refused but could provide no proof that I had received any billing or email about the {$69.00} charge. I have had no charges on this account for many years and only learned of the late charge when I ran my credit report.

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 2020-08-05
Company: Experian Information Solutions Inc.
State: NY
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:
Experian Credit Bureau has been charging me {$21.00} four times since XXXX. I cancelled the free trial on the 6th day so I should not have been charged. When I call they tell me that the charges will be refunded instead I get charged again the next month.

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