BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Requested credit increase. 
Credit bureau reported score of XXXX. 
Wells Fargo denighed request for increase, blaming credit bureau. 

Can only conclude increase was denighed, due to my being a female.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX AV A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} 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 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  stated that my credit report with Experian and XXXX. My credit report is not locked with either company. I see the inquiry is listed on Experian and XXXX. I contacted XXXX XXXX and they argued me down that my credit reports were locked. I looked on Experian and XXXX and I see the credit inquiry on both. I called XXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for Experian and XXXX remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately XXXX I have attached a copy of the letter for proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity BankXXXX XXXX XXXX is always " down '' which prohibits my ability to pay online or via the company 's phone app. When I try to make a phone payment they rarely answer the phone and on the off chance that I do get a live person, I explain to them the technical " glitch '' ( this is a direct quote from their website when you try to log in ), I haven't been able to make a payment. The customer service rep on the other end of the phone shows zero interest in this problem and just wants the money. I believe this is a scam to collect late fees. This specific company also has a term in their " terms and conditions '' that you are approved a " much lower APR '' than what you would normally get but " repeated instances of late or non-payment will result in the APR increasing '', this increase is pushing 30 %!!!! If the company doesn't want me money, that's fine, I shouldn't have to chase down a creditor to pay what I owe them. The flip side to this is that I have voicemails on my phone where the company calls me to collect because, obviously, payments are late and these calls are made at very odd and inconvenient hours, usually between XXXX and XXXX. This problem needs to be corrected or they need to relinquish their accounts to another creditor that can handle the business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime locked my account due to a refund I received. 4 days later the closed my account and told me I dont get a refund for any balances. They kept my paycheck and the refund I received. Ive emailed them repeatedly and they wont respond to me anymore. They stole my money. XXXX XXXX XXXX is the refund they locked my account for and XXXX even tried to reach out and they wont respond or give me my money back. My company even reached out trying to get me my money and no response. This happened on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has violated my consumer protection rights given to me under federal law. 

As per 15 usc 1681b ( a ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

I gave transunion written instruction on how my information could be used for accounts under XXXX, XXXX, and XXXX XXXX. They were instructed not to included my nonpublic personal information as defined under 15 usc 6801a. 

1016.3 ( q ) ( 2 ) ( i ) ( B ) : Account balance information, payment history, overdraft history, and credit or debit card purchase information ; This instruction was ignored hence triggering identity theft as define by law using my personal information without lawful authority and they do not have my consent.

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 2023-12-04
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt of mine of an amount of {$50.00} was sent to a collections agency called XXXX XXXX XXXX. They mailed me about every week. I sent a check totalling {$50.00} to them properly labeled and written. Over a month went by before they finally cashed my debt and closed my collection account which happened on XX/XX/2023. They finally stopped mailing me on XX/XX/2023. Over a month AFTER my debt had been paid, the date on the letter is XX/XX/2023, a DIFFERENT debt collection agency, PennCredit, mailed me stating that I owed the same amount ( {$50.00} ) to the same company, even though a payment check was cashed over a month prior. After receiving this letter from PennCredit on XX/XX/2023, I waited until the next business day, XX/XX/2023, to contact them. On XX/XX/2023, I called their line and asked how to clear the debt. I was told an email to email ( XXXX ) and given information to provide for them to investigate. After sending an email to that email containing images of the cashed checks ( from my bank ), along with screenshots of the date showing that my debt had been paid, the compliance team emailed me back after less than 6 hours and notified me that " the proof of payment date provided is prior to the service date [ ... ] on file [ which ] is XX/XX/2023 ''. This was a complete lie as all of the attachments I had send them indicated that the check was cashed by the collector on XX/XX/2023. After receiving their reply I emailed back with another screenshot from the collector that showed that all debt had been paid off on the XXXX of XXXX, XXXX. I find the behavior of PennCredit to be shady and very malicious and that their compliance team is completely out of line by lying to me about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX, XXXX, and Experian credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.

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 2022-02-05
Company: CITIBANK, N.A.
State: NC
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:
Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.

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 2023-08-07
Company: EQUIFAX, 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:
I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 

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 2020-03-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received an American Express Gift Card for the amount of {$2000.00}. Began use of card XX/XX/2020, without difficulty ( checking balance each day ). On the morning of XX/XX/XXXX, the card balance was {$850.00}. When I went to use the card later on XX/XX/XXXX, there was only a balance of {$0.00}, ( no purchases made in that time frame ). Called American Express immediately, and was told there was nothing that could be done, since the terms and conditions of the gift card are that there will be no dispute for transactions. When I inquired of where the transaction was made, I was informed of an address of XXXX XXXX XXXX, XXXX XXXX, XXXX. When I researched XXXX, it is in the XXXX XXXX! I was also informed that the transaction was pending. I requested for the transaction be cancelled due to a fraudulent activity. I was told they could not do that. I was informed that I would need to contact the person that made the transaction, and ask for my money back??!! Ironically, I checked American Express Gift Card Customer reviews, and on XX/XX/2020, there was an identical occurence of a {$100.00} gift card, with a fraudulent transaction tracked back to the XXXX XXXX. Also, in the terms and conditions of the American Express Gift Card,  it states that the transactions can only be made in the United States, which this transaction was not. 
Having returned from my vacation, I called American Express Gift Card Customer Service, asking in each conversation to be connected to a higher level supervisor, and alternatively, called American Express Credit Card customer service, for assistance. I was immediately referred backed to the American Express Gift Card. I have spent hours on the phone only to be connected to XXXX XXXX Customer Service representatives, with the same response, " I am sorry, but I can not help you ''. 
This was a tremendous hardship for me, as these funds were dedicated to a vacation, that had be compromised, and funded by a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently, submitted a dispute to Transunion about the way XXXX XXXX is reporting on my credit report. On, XX/XX/XXXX, I received a response back from Transunion stating that JXXXX XXXX  has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) Transunion reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, Transunion reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, Transunion fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that Transunion did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.

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 2023-11-30
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My father became ill about XXXX years ago, and I started paying his bills. I was his power of attorney. He has since passed away. It has been over a year since he has passed. I became the successor of the Mortgage loan. Before he passed away, I noticed that they continue to place forced place insurance on his mortgage when he always had insurance. After he passed away, they continue to do the same to me. They have overcharged us for close to {$5000.00}. The last time that it was overcharged it was {$1900.00} of forced place insurance. I sent proof that I have insurance, and my insurance has never lapsed. I even had my XXXX XXXX representative call them and asked them to stop charging me. I am trying to get them to stop overcharging me. I know that it is going to happen again. They understand that I am almost done paying the mortgage loan off. I fear that they are trying to make me go into foreclosure, they know that I am a single parent and I have been left with my fathers debt and I had to put the mortgage in forbearance for several months. Now they are refusing to reimburse me the money that I was overcharged and they continue to put the check in my fathers name. Please help me because the money that I had to pay for the overage is the money that I have put to the side to pay the mortgage and they refuse to repay my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with 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 2022-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : 1. XXXX | XXXX  After your investigation is complete, please send me the results via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: U.S. BANCORP
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me USA bank XXXX XXXX XXXX XXXX XXXX XXXX those are all the banks I seen that was opened up in my name

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 2023-02-11
Company: EQUIFAX, 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:
This is my follow-up complaint 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 items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX ... Balance : - XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation