BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/2023 I called XXXX XXXX and asked they not charge my credit card on the XXXX {$1000.00} ... .they refused .... I then called called the Wells Fargo business credit card department to stop any further charges from XXXX XXXX... XXXX suggested we cancel the credit card that XXXX XXXX was charging and then issue a new business credit card with a new account number... XXXX XXXX was unable to charge the credit card on the XXXX as it had been cancelled... I use a bookeeper that reconciles my checking and credit card accounts but she failed to bring to my attention a charge on the new credit card # XXXX of {$500.00} from XXXX XXXX on XX/XX/2023 and and a charge of {$610.00} from XXXX XXXX on the same new credit card # XXXX on XX/XX/2023 ... XXXX XX/XX/XXXX I contacted the Wells Fargo Fraud department a gave them a full picture of what had happened and suggested that someone inside Wells Fargo must have given out the new credit card #. I was told they would open a fraud situation and that some one would contact me within 2 days ... ..on Friday the XXXX I received a call from XXXX from XXXXhe " Executive Office of Fraud '' Wells Fargo and she was unaware of the facts in this situation ... .she assured me she would be the one to call me back ... XXXX, the XXXX of XXXX, I spent an hour and thirty minutes getting bounced around from department to department and finally to a XXXX in the Fraud office who told me there was no case open on my situation but that she would cancel my current card and open the case on this situation.I asked for a case # and she said she did not have one..she gave me a phone number for the fraud office of ... XXXX for me to contact someone .....

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 2022-10-30
Company: SLM CORPORATION
State: TX
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:
There are late payments posted to my account by Sallie Mae. Also there are many hard and soft inquiries that I did not authorize with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a XXXX card account and have been using it for many many years but for the last 2 months I can't access my money. My daughter also has an account and can't logon to access hers neither which made me learn that all XXXX card holders have not been able to logon or have any access to our accounts. Do a simple search and you will see hundreds complaining of the same and it's been months. I troubleshot the issue on all kinds of XXXX  tablets and computers to check ( I'm a professional XXXX  ) and it's all the same the XXXX  app nor website has logon ability. See screenshots of their website and XXXX  app. blocking logon XXXX has no access for anyone. Noone can withdraw their money!!! I've contacted them several times in all aspects such as customer service forms, direct emails and phone numbers which, myself nor my daughter or others have never received a reply or have been able to get a amex representative live person to pick up the call. It's been months now and so it is absolutely criminal on their behalf to steel our money. I don't know what else to do so I'm looking for help. 
Thank you and I appreciate any assistance you can give us to get our money out if XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX credit cards that had the ability to pay the balance using a debit card from my bank. I have paid the full statement balance, on-time, every month. XXXX  ( XX/XX/2023 ), I opened the app to make a payment that is due on XX/XX/2023, and the option to make a payment using a debit card is gone and the only option is to link your bank account and routing number. No communication from Capital One that this was going to happen and it affects my ability to honor the agreement we had. I understand they have a right to change terms but proper communication is expected. When I talked with Customer Service, no options or explanations were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Ticket # XXXX. On XX/XX/XXXX I deposited XXXX XXXX ( Worth roughly XXXX USD currently ) from my Trust Wallet into my Binance US exchange wallet without a memo. I have contacted support and they sent my information to the finance team claiming they would have the deposit processed by the start of the week. That would've been on XX/XX/XXXX, it is currently XX/XX/XXXX and I still haven't been credited my missing deposit by the binance.us finance team. 

The previous cfpb compliant I opened you closed saying the issue was in the process of being fixed, its been over a week and it hasn't been fixed so I'm filing another compliant in the hopes you'll help a customer who has been with binance since early XXXX and has recommended it to many friends and family irl who have invested as well. 

I plan to continue using binance.us and understand you're dealing with a high volume of tickets, but this is my life savings and I need it to survive in the real world. It sucks I ruined my life with one quick mistake. I'm truly starting to lose hope I'll ever see my money again and have started contemplating suicide some days it hurts so much. 

Ticket is # XXXX and can't wait to cry tears of joy when you come through and help me. 

Side note : ( Email is XXXX. I'm truly willing to work for the support team to help as many people as I can fix their problems. I understand the anguish people are going through and want to help. ) Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXXXXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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 FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX  ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE

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 2021-05-16
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was transitioned from XXXX to BBVAUSA.com last week, and now I can't access my account, it says it has been " locked for security reasons '' and that I need to call their phone number for support. I've attempted to call them several times and after waiting on hold for an hour I was hung up on. I can't get through to a human, and I can't login to my account and access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are usual get my credit report without my consent and cause it my credit score to decrease ( hard inquiry ) I need these to be removed from my credit 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 2023-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had many issues with a checking account with Wells Fargo many years prior and closed the account due to thousands of dollars of overcharge fees and freezing my account over and over. When trying to purchase this vehicle Wells Fargo was the only bank with the lowest interest rate so I accepted the car loan. My interest was changed to a higher amount after I purchased the vehicle, I was charged fees for being late when my payment was made on time and they had just not processed it. I received calls saying they were going to reprocess my vehicle and I was up to date with all of my payments, they charged fees and added them to the loan. The loan was opened XX/XX/XXXX and my car was totaled and my car insurance paid the loan off in XX/XX/XXXX with my GAP insurance is what I was told. The fees were never reimbursed although they were unlawful fees, the constant bullying and threats that my car would be taken even though I never missed or was late on a payment on this vehicle. I should have known to not accept the loan through this bank due to the thousands of dollars they cost me years prior. I was offered another loan for my new car in XXXX and denied Wells Fargo and went with XXXX. This bank is fraudulent in every way and steal money from their good standing customers, and harass 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 explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern, I had a checking account with Wells Fargo in XXXX, Texas for about 10 years. I was trying to make some changes in XXXX due to my mom passing. I took my mom off of being the beneficiary and added my XXXX brothers. My nephew/son was added when I opened the account. I did not know he had had a credit card with Well Fargo. I went to take out XXXX dollars on XX/XX/XXXX XXXX. I notice that over XXXX had been taken out. I told the cashier and she could not explain and I called the number on the paper she gave me. I was so scared that I thought I had been scrammed so I did not want to give any information over the phone. I was able to talk to the branch manager who was very customer friendly, helpful, and professional. He called I guess the main office and found out that my nephew/son had owed them. My son said made arrangements to make payments which he was trying to do on the card. I was not notified at any time and he said he wasn't notified either even though he was trying to make payments. I was going to take him off in XXXX but I was told I could not without his approval. It does not seem right to me to for the Well Fargo to do this without any kind of notification to me. 
When I opened the account, nothing was mentioned that this could be done. I would have been willing to help make payments if I had been notified but, I was not told what was happening. In hard times like these, it is devasting and to me it seems that Well Fargo don't care. Thank you so very much for allowing me to submit this complaint/concerned. 
If this is a rule, maybe it could be amended to notify all involved before doing such drastic and devastating things like this. 

Sincerely yours,

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 2018-05-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Again, WellsFargo has falsified pending transactions and available funds. They have failed to show pending transactions when they were initially made and rearranged charges in order to increase the overdraft fees. Apparently they have learned NOTHING from the previous class action suit. Transactions from XX/XX/XXXX-XX/XX/XXXX did not appear until XX/XX/XXXX-XX/XX/XXXX. A single transaction from XX/XX/XXXX didn't show up until XX/XX/XXXX and it was never shown as pending.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus TansUnion, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased an XXXX on XXXX online store using Apple Card. Total amount {$1000.00}, with a trade-in worth {$400.00} I was only charged {$690.00} plus taxes. 

Soon I returned the device and cancelled the trade-in, XXXX refunded me, on my card showing they refunded me {$690.00} plus taxes, still fine at this point. ( Attached please find the two monthly statements showing the charge and the refund ) Later Apple charged me {$400.00} for the cancelled trade-in. I asked them why they said they refunded me {$1000.00} plus taxes, not {$690.00} plus taxes on the date of return. They said if I only received {$690.00} plus taxes then there must be some issues on the bank side. Then they provided me a credit memo to back up their claim ( they refunded me {$1000.00} plus taxes, see the attached file ) I reached out to Goldman Sachs multiple times regarding this issue, although the customer service seemed to provide some help, it is never resolved eventually. Dispute was rejected and they are still overcharging me at the moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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 called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the XXXX credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$460.00} will be investigated and updated.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
Transunion date open XX/XX/2019 XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Past due XXXX Disputed

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 2023-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # 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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX RECD CALL FROM XXXX XXXX XXXX XXXX XXXX .CALLER ID XXXX XXXX XXXX .FILE # XXXX XXXX. SHE TRANSFER ME TO XXXX XXXX XXXX XXXX. SHE SAID SHE HAS A CIVIL COMPLAINT VS ME FOR CAPITAL ONE VISA ENDING XXXX. 
TOLD HER NEVER HAD A CAP 1 AND NEVER RECD SUMMONS AND COMPLAINT. SHE SD I DID IN XXXX ( DID NOT REC ) SHE WENT ON TO SAY WAS MY CARD VRFYD BY NM/DOB/SSN AND UTITITIES AT 2 ADDRESSES IN XXXX XXXX ( XXXX XXXX  ) WHERE I NEVER LIVED. XXXX XXXX XXXX # XXXX XXXX FROM XXXX AND XXXX XXXX XXXX # XXXX XXXX. XXXX TO XXXX. I NEVER HAD A CAP 1 -- I NEVER LIVED NOR HAD UTILITIES IN XXXX XXXX. NOW LOOKING AT MY SKIP INFO THEY ADDED THOSE ADDRESSES TO MY NAME ON MY LIFE SEARCH. I LIVED ON XXXX FROM XXXX TO XXXX THEN FROM XXXX TIL NOW ON XXXX IN XXXX. NO WHERE ELSE NO OTHER UTILITIES IN MY NAME. SHE SAID THEY ARE USING A -- TOLLING CLAUSE -- TO FILE AGAINST ME ON XXXX TOMORROW AND LEANING MY PROPERTY.

Company response to consumer: Closed with explanation