BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 XXXX unauthorized transactions were made using my account data at a gas station. When I saw the charges, I immediately called WELLS FARGO and the person I spoke to agreed that the charges ( totaling {$150.00} ) were suspicious since we were in a different city at the time of the unauthorized transactions, and because the amount of gas purchased was abnormal. I received a provisional credit of {$150.00} and considered the issue resolved. 
XXXX months later, I received a letter from WELLS FARGO informing me that the credit was being REVERSED. I was told that I needed to PROVE that I did not make the transactions in question in order to receive the credit. I was shocked at this response. 
I called the gas station listed next to the fraudulent charges, and XXXX, the XXXX of the XXXX XXXX was able to determine that the XXXX transactions in question were made using XXXX DIFFERENT PUMS, XXXX MINUTES APART. She agreed with me that my account information must have been used fraudulently and said it would be PHYSICALLY IMPOSSIBLE for me to pump the amount of gas from those purchases in my car. Also, after learning the time and day the gas transactions were made, I reasoned that it would make no sense for me to have driven to a different city to pump gas when the shopping center I was in that day, and where I made purchases that day, had an identical gas station. 
I contacted WELLS FARGO with this information, reiterating that those gas station purchases were NOT mine. The final response from WELLS FARGO was that I had no recourse in my claim because the transactions were a chip card read, which, they said, proved that I made the gas station purchases.

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 2023-09-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a documentation supporting my lost funds with navy federal credit Union they still havent been disbursed going on over a whole 1 year now this is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX received billing statement with unauthorized transactions made in California using my Macys credit card. I live in NJ, and have not travelled to California. 
Same day XX/XX/XXXX I called Macys customer service and reported a stolen card and fraudulent transactions. Was told that fraud department will be contacting me in 10-14 business days. 
XX/XX/XXXX received a letter in the mail confirming that fraud claim was received and an investigation will be performed. 
XX/XX/XXXX I received a letter in the mail stated that Macys fraud department has completed the investigation, and determined that I am responsible for the charges. 
XX/XX/XXXX I called Macys customer service and was transferred to the another Department at ( XXXX ) XXXX, then to XXXX. I again reported the identity theft, put the transactions on dispute asking to review and reconsider. Ref # XXXX. 
I went to the police and made a report for the stolen identity. Incident # XXXX. 
Put a freeze on the credit cards. 
XX/XX/XXXX received a letter in the mail stating that investigation is complete and I am responsible for the charges.

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 2022-07-23
Company: Experian Information Solutions Inc.
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:
Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XX/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 2023-03-17
Company: EQUIFAX, INC.
State: AZ
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:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA
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, the loan originator XXXX XXXX XXXX and Paramount Residential Mortgage Group, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and Paramount Residential Mortgage Group XXXX XXXX was suggested, the loan originator XXXX XXXX XXXX pulled our credit on XX/XX/2021 through the XXXX XXXX XXXX for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 XXXX XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through XXXX XXXX services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper failed to pay my condo insurance from escrow ( which has enough funds ), resulting in expiration of my policy. My call to their customer service line not only failed to resolve the issue, but also provided no proposed resolution or timeframe for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased 1 XXXX  treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. 

When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. 

We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. 

Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have Mr Cooper and they just charged me with lapse in insurance after they refused to accept my new issurance and failed to tell me that. I thought I had the insurance paid and they sent the payment to the old insurance company knowing I was switching. They claimed they didn't get the notice from myself OR the cancelation from XXXX. They asked that is be faxed to them in XX/XX/XXXX when I called them. They failed to put this oversight in the system the fist time and now a year later it is corrected as though they had it thus whole time. That is the convience of working there and aand being able to back date. Things. Thank XXXX nothing happened to where I needed to file a claim but that could have been a disaster. Mr Cooper was negligent and when I called and asked what was the letters for I told them I had insurance. They canceled the letters. Now when I went to renew I find out it was NEVER in effect. Now Mr Cooper is blame but I blame them too. I thought it was worked out since the time passed and they would take some responsibility with me but then it was corrected and placed back. Now my house payment is over {$2500.00} and i I OWE $ XXXX in insurance.. How is that taking responsibility? This is unfair practice. They are not taking any responsibility here. They should not handle veteran accounts as they put us in hardship. Mr. Cooper paid my old insurance company even after being notified they were no longer my insurance. They then denied the new insurance company, and failed to notify me of the denial. They will not take responsibility. They have the option to do nothing, pay the insurance coverage, cease the house, or cancel the loan. They choose to only do the lacks coverage instead of doing nothing, and refuse to take responsibility. They notified me this year when I have been disputing for years. The insurance could have been rectified long before now. They were notified by me a well as the insurance company, and chose to do nothing. I'm paying a hefty price, and they continue to do nothing. I am now getting a bill for {$5000.00} for a lap in insurance that Mr. Cooper caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union XXXX Did not delete incorrect errors on credit report as requested. 
All errors are not consistent on all the credit agencies.

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 2022-07-23
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.

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 2022-07-23
Company: Klarna AB
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/XXXX, I logged on to Klarna because I wanted to make a purchase with my purchasing power of {$650.00}. I went to use it but received a notification that I had a balance due on another account. I was confused because I only have one account. I spoke with the chat and they were no help. They informed me of an email address I don't know. They filed a dispute. 
I called the XXXX # and XXXX helped me change my name and informed me that someone else had a similar name and the same birthday as me ( XX/XX/92 ). I would like this removed. It is not me. I would like my purchasing power restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions 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 received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account Number : 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 2021-04-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, I have an issue with the most hated service globally which is Paypal, they have closed my account for no reason they have asked me for My ID I provided it to them but guess what, they have refused my identity like I am nothing and closed my account stopping my business indefinitely. I have tried to call them and text as well but I couldn't get to them. 

I am filling a report in here because I believe they are not doing their business properly and it is really effecting my life now specially in these hard days. 

please help me out, this is my email attached to my paypal : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need to link my bank account to a website called XXXX XXXX  for my daughter 's XXXX. You have to link it via your online banking sign in information. It tells me PNC has it blocked. I called PNC and they said they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation