BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back on XX/XX/2022, I sent Transunion a dispute letter to dispute the inaccuracies on my credit file. On XX/XX/XXXX, I received a response from Transunion that stated, I hired a credit repair company. 

Their is no law that states I can not hire assistance with helping my credit file. They failed to give me a full investigation of the accounts on my credit file.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-09
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
I rightfully paid Santander consumer USA using a Bill of Exchange in accordance with the uniform commercial code. It was initially accepted. I have proof that it was accepted through my statements and a letter from Santander Consumer USA showing the account was XXXX  out and then a few weeks later they reversed the payment. Next I started receiving harassing phone calls and a lot of correspondences through the mail. I am suspicious that my information has been compromised in a recent report that I put in with the Federal Trade Commission concerning my identity. There was inaccurate reportings on my credit report numerous times recently from Santander Consumer USA after receiving more harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted IQ Data International on XXXX after receiving a letter about a debt owed. The letter stated that I would be allowed to settle the debt for 30 % if I called before XX/XX/XXXX. When I spoke with the representative, I was offered an amount of {$790.00} to settle the debt, but for an additional {$340.00}, they would erase the account altogether. I opted to pay the XXXX, and received the confirmation letter that the account was closed. I was told that the option to call back and pay the {$340.00} would remain available until XX/XX/XXXX. Today, I noticed on my mobile banking app that they ran my debit card for the additional {$340.00} without my consent. I called, and was told that I needed to contact them prior to XX/XX/XXXX if I did not want my card ran. I told them that I never consented to this amount, and was told that they had my consent recorded, and refused to further investigate the matter. I was then told to " stop wasting their time '' and there was no further escalation process. I have contacted my bank to dispute the charge. The representative I spoke with was verbally abusive, telling me that since I " loved to talk '' that he wasn't going to continue to help me. I called back, and was transferred back to him again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: AMERICAN EXPRESS COMPANY
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:
On my American Express account, I had an additional card for one of my employees, XXXX XXXX. He passed away around XX/XX/2022. At some point ( at least several months ago ), I went to the American Express website, planning to remove/cancel the card. That option was not available online, so I took the option of " freezing '' the card. 

Today, I discovered that I incur a {$170.00} annual fee for each additional cardholders. I called American Express and had them remove XXXXXXXX XXXX XXXX altogether. I asked if they would refund the {$170.00} fee or a portion thereof since XXXX had died over a year ago. 

They did not. Is this within their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, Transunion ONCE AGAIN VIOLATED MY RIGHTS AND I AM AT WITTS END. I sent a notice letting them know the information reporting on my credit file is inaccurate and I demanded a complete and thorough investigation of how they concluded the information they are reporting is true and accurate. A few days later, they ADDED YET ANOTHER INNACURATE NEGATIVE ACCOUNT to my consumer report without my written permission per 15 USC 1681b ( a ) ( 2 ). This account is from XXXX XXXX XXXX for {$120.00}, whom I have NEVER did business with. I don't owe anyone money and I am sick and tired of Transunion navigating as if they are above following the law.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, i did not open/authorize the these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Massachusetts Educational Financing Authority
State: MA
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:
Hi, please help me with my concern. I saw XXXX/MEFA on my credit report and I have late payments in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
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:
Account Name : XXXX XXXX  Account Number : XXXX You are reporting inaccurate and incomplete information on my credit report for the account above. The notation of the late payment on this account is inaccurate. 
I request to be provided proof of this alleged item, specifically proof that this payment was in fact late. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of this payment being late, please update my payment history to current and my status to paid as agreed and never late. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation.

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 2020-09-16
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was served a summons dated XX/XX/20 on XX/XX/20 by a gentleman who came to my door for Forster and Garbus LLP ATTY. Who indicated that I owe money to my previous University in the amount of {$14000.00}. They also indicated within the summons that they are lawyers representing the plaintiff. And if I do not answer the summons within 20 days, I will be penalized and a judgment will be made against me. In addition, the company also started contacting me the same day harassing me about the money owed. 

When I explained to the representative, that there must be some mistake, because I didn't owe money to the University to my knowledge, because I withdrew my classes by submitting a written appeal to the school, as to why I was leaving the university, as I was requested to do my XXXX XXXX. He became very rude and condescending. Asking me questions such as if I was employed? And who do I work for? Then he stated that I worked for XXXX XXXX. As he knew already, but was fishing. 

This is very stressful, because I am already paying off my student loans and is in good standing, and now four years later, I am hit with this. Please can you offer any advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
This complaint is regarding an issue with a set of transactions I had while banking with Wells Fargo. To preface this, I have been banking with Wells Fargo since XXXX however this is the last straw and I will be taking my business elsewhere. I filed a claim with Wells Fargo regarding a set of three XXXX transactions for merchandise in XX/XX/XXXX. There were 3 total charges with a grand total of {$990.00}. The issue with these transactions were that the merchandise I paid for, in this case shoes, were not received as described as they were fake and essentially had no value. This was in direct contrast to what the merchant advertised as they were clearly stated to be authentic. After making all of this information clear, providing proof, and filing the claim, Wells Fargo still would not side with me on this dispute for any reason. Fast forward to now and Wells Fargo has broken their own rules by very sneakily refunded certain Wells Fargo customers for so called " fraudulent transactions '' even though their policies clearly state that XXXX transactions can not be reversed or undone for any reason, which is exactly what they told me regarding these XXXXl transactions however they have made exceptions for other customers for claims worth way more than mine which was less than {$1000.00}. It is ridiculous to me that Wells Fargo would rather lose my business after 11 years than simply do the proper research and cover me for this situation but I will gladly take my money elsewhere now. If anyone has the opportunity to read this, please do yourself a huge favor and bank with literally anyone besides Wells Fargo.

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 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: DC
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I purchased a one-year subscription for XXXX e-cards for {$5.00}. There was no indication in any of the content presented about a monthly subscription. In fact, in XXXX, I purchased the same e-card subscription for {$5.00}. As I completed the fields for paying for the subscription, I specifically indicated that I did not wish to be auto-billed for anything. I have the receipt that shows " Autobill. No '' Unfortunately, the company auto-billed my AMEX card on the XXXX of the month any way beginning in XX/XX/XXXX through XX/XX/XXXX. Because we are regular customers at XXXX stores, I didn't realize the monthly XXXX charges were by the E-card division, and therefore unauthorized, until XX/XX/XXXX. ( We go to XXXX stores multiple times a month because my daughter with special needs likes to buy balloons from XXXX. ) I attempted to get a refund through my credit card company, AMEX, and could only reverse the XX/XX/XXXX charge. XXXX e-card misrepresented that I gave authorization for the monthly fees and AMEX never requested documentation from me to prove otherwise. My attempts at obtaining a refund directly from the merchant were unsuccessful because, as they represented to AMEX, they felt that it was " understood '' that it was a $ 5 monthly subscription for e-card services, and this they state with no evidence of affirmative approval from me. AMEX says that my responses to their closure of my disputes were untimely ( they notified me by mail ). Of course, they did not factor in the COVID-19 pandemic and the notable slow-down of USPS resulting in longer mail delivery times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
attached is my supporting documents. stop asking me for documents I don't have. my SSN & XXXX XXXX bill confirms my name & address.

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 2021-02-10
Company: JPMORGAN CHASE & CO.
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:
Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX  credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX XXXX from XXXX XXXX XXXX are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: FIRST FOUNDATION INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I initiated an XXXX transfer of {$100000.00} from my online savings account with First Foundation Bank. Their web site stated that the funds would arrive by XXXX  XX/XX/XXXX, or I would receive notification that it would be later. No problem was indicated, yet the funds did not arrive until Monday, XX/XX/XXXX. As a result, I lost XXXX days of interest ( approximately {$30.00} ) that I asked the bank to make up for ( I knew and was prepared to not get interest XXXX XXXX during the XXXX transfer ). After XXXX weeks of attempting to get a response from bank management, they refused -- saying that XX/XX/XXXX was a banking holiday. When I pointed out that they had not sent me any notification and that their XXXX transfer times were always longer than other banks, they still would not budge. I filed a complaint with the FDIC, which regulates this bank. The FDIC asked the bank to respond, and the FDIC took more than 30 days to tell me of the bank 's response on XX/XX/XXXX. The bank came back with a screenshot showing that they had informed me that the transfer would be done on XX/XX/XXXX. That screenshot the bank sent was not available on their web site until XX/XX/XXXX -- long after I could have taken any action to change the transfer. Even if I had done a wire transfer and paid their exorbitant wire transfer fee, I would have been out less interest than almost a week 's worth. 

When I pointed out the ( possibly deliberately misleading ) error in the bank 's response to the FDIC, they refused to do anything -- even follow up with the bank again. They simply stated that XXXX transfers were not in the domain, and I had to contact XXXX. I did so, and they told me they only take complaints from financial institutions and XXXX XXXXperators. They said I should contact you. 

I strongly feel the FDIC is not doing its job in regulating this bank -- but I am hoping you can help me navigate these bureaucratic waters and compel the bank to pay me the extra interest they caused me to lose by not following their own published XXXX  processing times or giving me promised notification in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied for, and received, a 24-month loan of {$7000.00} from SoFi on XX/XX/2021 to pay for one-time moving expenses to start a new job in a different city. I remain a customer and have continued to pay back the loan on the prescribed monthly schedule. 

The loan website included a banner promotion that indicated I would receive {$350.00} cash bonus for signing a loan as a new customer of SoFi. Although I have received correspondence from SoFi confirming receipt of my monthly payments, I received no subsequent information about this bonus, via email, phone, mail, or otherwise. I did, at the time, take a screenshot of the banner promotion. I include in this complaint. 

Today, XXXX XX/XX/2021, I looked at my account for SoFi in order to check the interest payments and initiate a transfer to pay down more of my loan 's principal, and realized that I had not received the {$350.00} cash bonus. 

I subsequently spent a great deal of time talking to SoFi support : first, through their online support, who was unable to help me but referred me a number ; second, through a representative, who confirmed my eligibility for the cash bonus, but informed me that I had forfeited the eligibility because 30 days had passed and I had not opened a " SoFi money account. '' This is the first time I was informed of the need for a " SoFi money account '' as distinct from the personal loan account that I had already opened with SoFi. When I asked for a transcript of the conversation, I was instead referred to a manager ( email correspondence attached ). The manager told me verbally, " [ I/we ] apologize that you didn't get paid for the bonus as per the advertisement, '' but in subsequent email correspondence indicated that, because I did not open a " SoFi Money Account, '' I am ineligible for the payment.

This {$350.00} promotion was the primary reason that I chose SoFi in my selection of different lenders. I knew that the interest payments would be high, but that I would be able to pay off the loan sooner than the schedule indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a card with Capital One in XX/XX/2018. Everything was fine until I tried to make my first payment. I added my payment information as usual and everything was correct at that time. About 6 days later, the payment was charged back to my account and I got an email saying that the account with [ not my bank ] was no longer able to be associated with the card. 

Then I got a letter from the fraud department that they thought my card was opened by an identity thief, so I called them. They informed me that they would need to verify my ownership of an account that ISN'T MINE that I told them isn't mine. They refused to unlock the card until I could prove such ownership. 

Left with no other option, because obviously I can't prove ownership of an account that isn't mine, I closed the account. Ironically, they let me close the account without proof of ownership.

Company response to consumer: Closed with explanation