BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received XXXX XXXX XXXX XXXX XXXX XXXX  enabled by XXXX XXXX from New York Community Bank. No date on letter. 

Even though I eventually found info on the XXXX website, this appears to be a fraudulent attempt to get a consumer to open up an account with this bank. In the small print it says 'If you do not agree to all the Cardholder Agreement Terms, you should cancel the card by calling customer service and request your funds in the form of a paper check '. I called both numbers on the letter which took me through to the same automated line. When you press 1 to get through to Customer Service you get an automated message wanting your to put in the card number and activate the account. I tried to chat and it was difficult to get past the robot- it doesn't understand anything to do with 'cancel card ' or 'request check '. After typing 'speak to an advisor ' it told me there was a 2 minute wait. Every 2 minutes I got the same message about 6 times and never got to speak to anyone. 

After finding a different number on the XXXX website I called that and there was a an automated message saying if you wish to cancel the account, to call the XXXX Customer Service number ( XXXX XXXX XXXX ) and choose option 4. This time I got through to the correct automated message which allows me to cancel the account and said there would be a XXXX week wait for a check. The date I cancelled my account is XX/XX/2023. 

New York Community Bank are making every attempt to get you to open an account with them and agree to all their fees without making it easy for you to request your XXXX XXXX XXXX XXXX XXXX by check. This is a disgraceful practice and without further investigation I would have dismissed this as a scam and missed my payment from the XXXX, or opened a bank account unwittingly with all the fees that are attached to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

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 non-monetary relief
Consumer complaint received 2019-12-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchased a shower door through LOWE 'S. Was offered to apply for a credit card to take advantage of 6 months no interest - I consented since it was a large purchase. Received my first statement and showed that i am being charged interest. Called Lowes, they told me to take it up with the credit card company. Called the credit card company - they say take it up with the store. NO one seems to care, this is highly deceptive, I am being charged interest, I have hard credit inquiry that impacted my credit, and for some reason they processed a business card for me and I do not own a business. Certainly a bait and switch.

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 2022-10-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry AMEX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX Date of Inquiry XXXX/XXXX/2020 XXXX Date of Inquiry XX/XX/2020 ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : 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 2021-02-01
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX Disputed Transaction ( s ) : Transaction Description Merchant Description Transaction Disputed Date ( if available ) Amount Amount XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$500.00} {$500.00} There were several unauthorized charges made through WesternUnion. I have file claims with both WesternUnion and XXXX XXXX. WesternUnion says these charges were correct and authorized charges because the money was already picked up but i havent notice anything until next morning and thats when i had file fraud charges. I had to wait for Monday to file fraud for XXXX. XXXX will reverse the temp hold money they gave me because investigation in which WesternUnion has declined to my XXXX XXXX. Neither WesternUnion and XXXX has protected me in this fraud charges. I have several email detailing that someone had change my WesternUnion profile and have several emails saying some were declined and 3 were successful. Neither of these changes and charges were my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive had numerous issues with Wells Fargo since 2021. My accounts have been hacked, compromised, switched along with my online accounts. I was charged overdraft fees when I shouldnt have and my accounts have been closed without my permission

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 2023-03-14
Company: Experian Information Solutions Inc.
State: MS
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:
Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2022-10-18
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've tried to call my lender Mohela, wait time is over 3-4 hours long and get disconnected. Emails take 3-4 weeks and are copy and pasted information than answer specific questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a chime account in XXXX of 2021. I was interested in testing a new type of account. I have a main bank account with XXXX In XXXX my brother sent me {$110.00}. Late XXXX I tried using my chime debit card at a grocery store and was declined repeatedly. I had to use another form of payment and thought this was a fluke. 
I was contacted by chime apologizing for the decline, my card was active and the money was there for me to use. 
Early XXXX I ordered take out for my daughter and I, the card worked whew! 

On the XXXX of XXXX I tried buying groceries again. This time, my card was declined 6 times. The store was packed, I was humiliated. 

I then submitted a transfer of the remaining funds to be sent to my XXXX XXXX  account connected to this chime account ( {$63.00} ). 

After, I called spoke to a representative and kindly asked for my account to be closed. I explained why and asked if the transfer of my funds would be affected? She assured me it would not. The transfer showed as initiated and will still go through. 

Today is XXXX XXXXstill no money. I called repeatedly to try and get this resolved and each time I explain and ask for a manger the phone mysteriously disconnects. I have emailed as well and I response. 

I then went on line an discovered so many complaints against chime where peoples funds have not been returned after calls, emails etc. many owed way more money than me. 

I want my money and consumers need to be protected from chime scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I approved XXXX mortgage lenders do pull my credit for a loan. Within 24 hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.

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 2021-02-01
Company: SYNCHRONY FINANCIAL
State: KS
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:
I called XXXX to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XX/XX/2019 and the second one was from XXXX on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX to remove inquiry off my account and the refuse to help me as well. Its from XXXX sync/PayPal on XXXX XXXX also was fraudulent. Can you please help 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 non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2017-08-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.

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 2022-01-20
Company: Amsher Collection Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to speak with this company in regards to not being notified of this account prior to being reported on my credit report. I was not sent any kind of communication in the mail or phone. The address the company had on file was over 6 years old. As a FCRA Reporting company it is their due diligence to properly notify me before placing an account on my credit report. That was not done so. I want to pay this account but since I was not properly notified prior to the credit reporting as required by my consumer rights, this needs to be deleted off my credit report. These are sneaky and unfair practices that we are supposed to be protected by with the CFPB/FDCPA. I am hoping we can come to a resolution as this is not supposed to be on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief