BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I got a notification from my bank that a withdrawal of XXXX from a ATM was made. I then got another notification for a family dollar of XXXX was made and then I got another one from a family dollar for XXXX. Then I got another notification for a XXXX transaction for XXXX but didnt go thru so it was credited back for the XXXX. I called my bank and notified them of the suspicious activity and let them know I didnt recognize none of these charges. They canceled my card and I received a new card within a week or so.I waited ten business days and called them back on XX/XX/XXXX and they said they wasnt going to refund my money back. I then went to the bank that the withdrawal was made and spoke to a lady representative about what happened at their ATM and she gave me my bank statement and we went thru them. I told her how was someone able to get money out of the ATM without my card and she was mentioning how the person had my pin and she didnt say anything else. She said basically nothing else she can do and to file a police report. Which I did file on XX/XX/XXXX. I have since gone back to the bank on XX/XX/XXXX to speak with the lady representative and she just gave me the runaround and how it was gon na be hard to find out who did it. She basically made me feel like she didnt believe me and how she didnt want to help me with this.I dont like how the bank handled this situation.I need help to get my money back.

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 2022-02-19
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This morning on XX/XX/2022 I receive a picture message from my co-signer giving a past due notice. Meanwhile Sallie Mae should be well aware that I have been having financial troubles with paying my loan. Every single time I call them its always an issue, every single time I call its always a problem, and every single time I call nothing seems to get resolved, and it seems to be nothing but an uphill battle every single month to get a reasonable solution. I have been dealing with this for six years and I am at my breaking point, because nothing seems to change. They are preventing me from moving on, and they will not help me refinance. I am beyond livid and I want a change now, and feel like I rightfully deserve one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MO
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently moved from XXXX to XXXX. We sold our property in XXXX with the intention of buying a new home in XXXX. Due to complications, the property sold after we left XXXX and they funds were settled into our Chase account. We are now trying to withdraw those funds and Chase says the only way to grant us access is by visiting a branch, which is clearly not possible given that they don't have branches in XXXX. We informed the bank that we were leaving the country beforehand and they did not flag that it would be an issue to access the $ XXXX in our account. 

We're now in a situation where we can not buy a new home and are limited to making small withdrawals every few days. For these transfers we are getting charged fees. If we do try to initiate wires or ACH transfers of $ XXXX ( our current daily limit ), our account is immediately locked and the transfer is cancelled. To authorize the transfer, we need to call Chase. Due to their current limited operating hours, these calls have to happen around midnight XXXX Eastern Standard Time. The agents that we speak to say that they annotate our account so that it won't be blocked again. Despite this, it repeatedly gets blocked. 

It is now midnight in XXXX, and I've been on the phone with Chase for 50 minutes. I am currently on hold after being transferred to the fourth person. Each person assures me that they can help with the situation, yet they all provide conflicting information. For example, I am trying to get a clear answer as to what my daily / monthly transfer limits are, so that I can estimate how many transfers will be required to withdraw all of our funds from Chase. No one has been able to tell me this. I was told that the daily limit is $ XXXX by the first person that I spoke with. The third person said it was $ XXXX. Neither of these are correct, as I have been able to complete $ XXXX transfers initiated on the chase.com website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo failed to restore my online banking services in a timely manner, which caused great inconvenience to me.

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 2023-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is totally bad for my credit. It is wrong information. It has to be deleted now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Through use of the Binance.US IOS mobile app, on XX/XX/2021 at XXXX EST, I authorized a {$600.00} USD ACH purchase from my XXXX XXXX account for a purchase of XXXX XXXX token, although I was double charged for this transaction of {$600.00}. 

My XXXX bank account received two ( 2 ) ACH debits of {$600.00}, totaling {$1200.00}, whereas my Binance account was credited only one ( 1 ) {$600.00} deposit, totaling {$600.00}. 

Upon noticing the completion of two ( 2 ) ACH debits within my XXXX XXXX account and understanding there was a double-charge of {$600.00} I then requested XXXX remove XXXX transaction to correct my bank account. 

Please note - I also took immediate action to notify Binance.US prior to resolving with my XXXX XXXX. I still do have an open support ticket # XXXX, which still has yet to be addressed. 

I find it important to note that Binance.US provides no support whatsoever. They do not list any working customer service line and any email or support inquiry goes without response. Recently i've uncovered dozens of individuals whom still have outstanding support requests from months ago, and with several hundreds or thousands of dollars either improperly frozen or removed from their account. Additionally, upon reaching out to Binance.US 's XXXX account to inquire about support issues they immediately proceeded to block me for no reason. It's fair to say that I am concerned with my account being abused or hijacked by the company and then having no channel to rectify the issue. 

I kindly ask for assistance in investigating their misconduct and that Binance.US take the appropriate action in reviewing my Binance.US account 's deposit history. They will easily see that I have only received one ( 1 ) ACH deposit of {$600.00} into my Binance account, to which Binance has received one ( 1 ) {$600.00} ACH deposit from my XXXX XXXX account. There is clearly no outstanding amount due to Binance and I request that my account can proceed as normal. 

I've attached documents to refute my claims. Please advise upon receiving feedback, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: AL
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:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

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 2023-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I lifted a security freeze lifted with Chexsystems using the website on XX/XX/2023 thru XX/XX/2023. I applied for a savings account with XXXX XXXX XXXX  on XX/XX/2023. I was denied ; reason being my credit file with Chexsystems is frozen. I called to lift the freeze yet again and it says I already lifted the security freeze from XX/XX/2023 thru XX/XX/2023.

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 2018-06-23
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
My name is XXXX XXXX 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.

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with 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 non-monetary relief
Consumer complaint received 2023-03-03
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a fraudulent invoice to my PayPal account for {$410.00} supposedly for a renewal of an antivirus software. There was a number to call for customer service, and it became clear that they wanted my PayPal information in order to scam me. 
Fraudulent email was from XXXX. 
The number listed on the fraudulent invoice was XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The XXXX XXXX turned my application over to Synchrony Bank which would handle the actual financing. I am presuming that my credit was satisfactory but there was the strange question of identification. First I was told that I could not complete the application on my XXXX despite the fact that it has a camera. I was told that I need to go to XXXX XXXX XXXXXXXX on a smartphone ( which I do not have ) and follow the instructions. 

So, I borrowed a neighbor 's XXXX and found that I needed to take a video of myself that met certain exact standards and photograph the front and rear of my Drivers License or State ID Card. 

I am XXXX XXXX XXXX and have some XXXX XXXX XXXX XXXX as most people my age do. My lack of manual dexterity in my hands and fingers ( which comes with age ) makes it difficult for older people to operate a smartphone. Still, I was able after two tries to make photos of both sides of my State ID Card. However, I simply did not have the manual dexterity to make the somewhat complicated video in the short time that the software allowed. I think that I could have done it with more time. This is probably the case with most people XXXX XXXX XXXX. 

I doubt that other people my age could do this easily unless they are very experienced in operating a smartphone. This appears to me to be age discrimination since I asked Symphony Bank  to consider my excellent credit and the fact that I had three other accounts with them for identification. 

I made several phone calls but no help was provided to me.

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 2018-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX  so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. 
I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. 
XXXX XXXX

Company response to consumer: Closed with explanation