BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been locked out and unable to access my credit report or any ongoing disputes despite filling out their online forms and calling them. This is a XXXX access issue once again, because as an XXXX XXXX, these hoops that there are no justifications with modern technology. Using COVID as an excuse is unacceptable. Open my account, update my information, finish the disputes.

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 2018-06-29
Company: CLX Systems/ Westwood Management
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received threatening phone calls from Westwood XXXX. They also had a 3rd party person call and he stated he was a Sgt. With the Indiana State Police to my father and mother. He said he had a warrant for my arrest and needed to find me. He also left 3 intimidating and threatening phone calls on my voicemail. He threatened to show up at my place to " deal '' with me. My parents are old and he just about gave my mom a medical issue because he was so threatening to her. She was scared. 

I did pay all but {$200.00} of what was owed. My credit card was compromised and I had to cancel it. Immediately I started receiving threatening calls. Once again that they would show up at my house or my place of employment. I was not even given a chance to speak with them to explain the situation before the calls started.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-29
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a credit card with Citibank since 1994 and my interest rate has only gone up and up. it used to be an employee account with a reduced rate. I currently carry close to $ XXXX in balances and the rate is prime plus 16.74 for a total of 21.74. I hold other cards at a credit union that charges 10 %, XXXX ( which is also through Citi ) that charges 16 % and XXXX that charges 14 %. However with my old account they will not budge. 
They could not give me any basis for how prime was 5 % yet the 10-year treasury rate and fed funds rate have been below 3 % for years. It is also XXXX points higher than the federal reserve reports for " consumer credit '' https : //www.federalreserve.gov/XXXX I asked to have my account reviewed for a reduction and they said they could not reduce. I asked when the last time the account was reviewed and the representative ( XXXX  - she would not provide an operator number or any additional identifier ) could not tell me. She said she has no history of the rate ever bring reduced only increases. I asked whether the account could be reviewed for a decrease and she said no program is currently available to do that. I asked how frequently it was reviewed and at first she said she did not know so I asked to speak with a supervisor. XXXX ( supervisor ) came on the line and said my account is reviewed in XX/XX/XXXX and XX/XX/XXXX and then said I should wait until XX/XX/XXXXto try again. My FICO has certainly increased and decreased in the last decade and at no time has my rate ever been adjusted downward and I believe I have paid an excess rate of about 7 % during that time period on balances between $ 15K- $ 20K I would like your help getting this overcharge corrected.

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 2018-02-26
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and I bank with chime my unemployment went in my account and they froze my account with over XXXX I been writing & calling them they said they was gone send me a check & never did this been since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2020-09-10
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was initially reporting inaccurate information on my credit report with this account. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency Southwest Credit Systems. This is another FCRA violation. I did not receive any formal notice from the collection agency or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sam 's Club advertises their Sam 's Club Mastercard, which contains various benefits for the consumer like 5 % cash back on gas. On their credit card advertising page they focus on the benefits of the Mastercard. They do highlight that the Personal Credit Card ( not Mastercard ) does not get you all of these benefits, BUT they never highlight that when you apply for the Sam 's MasterCard, if you get denied for it, that you will be AUTOMATICALLY applied for their " Personal Credit Card '' which contains none of the benefits.

To further clarify my point. They do indeed highlight that the " Personal Credit Card '' does not contain the benefits of the MasterCard BUT they do NOT highlight that you AUTOMATICALLY get applied to the " personal credit card '' if you get denied for the MasterCard.

This was very problematic in my case because I did not get accepted to the MasterCard offer, and got automatically accepted for the " Sam 's personal credit card '', when I was ONLY interested in the MasterCard options due to the cash back benefits. If I would have known that I was denied from the MasterCard option, I would have never applied for the " Sam 's Personal Credit Card '', since it does not contain the cash back benefits.

After realizing that I got accepted to the " Sam 's Personal Credit Card '' and not the MasterCard option, I called the customer service to ask for clarification on why I got approved for the personal credit card and not the MasterCard, when I thought that I was only applying for the MasterCard option. They ultimately let me know that when you apply for the Sam 's Credit Card online, if you do not get accepted for the MasterCard, then you automatically get applied for the " Personal Credit Card ''. This is something that is not clear when you are applying for this card. Even if you read the small grey print on the bottom of the advertisement page, they never clarify this point. If they would have clarified this, I would have never applied for their card in fears that I would have not been accepted to the MasterCard option, which is the only option that offers cash back benefits. 

Ultimately, after realizing that I got accepted for a credit card that I did not believe I was applying to due to lack of clarity/information on the application and advertising site, I went ahead and canceled my account with them since I was not interested in that card. I do want to note that this all happened in the span of a single day ( XX/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 explanation
Consumer complaint received 2018-07-09
Company: CL Holdings LLC
State: NV
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:
XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a one year membership with XXXX XXXX on XX/XX/2018 with a payment of {$74.00}. After that my monthly fee was {$42.00} which was automatically deducted from my checking account. On XX/XX/2018 I was charged an additional {$39.00}. When I questioned management they explained that it was a one time fee for cost of new exorcise equipment that they would be purchasing sometime in the future. I was not happy about this surprise charge and notified them that as per our contract I giving them the one month notification to cancel my membership and making my last payment. I explained this to at least 10 more people who called me repeatedly over the next two months. Finally, without letting me know, they put this unwarranted {$400.00} charge on my credit report. Numerous efforts on my part to resolve this issue with XXXX XXXX have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been contacting the credit bureaus ( XXXX, XXXX  & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?

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 2018-02-26
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To Whom it may concern, Since XXXX, I have made numerous attempts to try selling my home ( XXXX XXXX XXXX XXXX., XXXX XXXX XXXX NV XXXX ), but failed due to a lien Wells Fargo placed on my home. 

In XXXX, I received a home loan along with a HELOC loan through Wells Fargo Bank. Unfortunately, due to some financial hardship I filed for bankruptcy on XX/XX/XXXX, assuming my HELOC loan would be cleared along with my other debts. 
I then realized the HELOC loan was not cleared with my bankruptcy when I tried to sell the house in XXXX. I was told by a title company that Wells Fargo put a HELOC lien on the house. 
I then immediately made numerous attempts to ask Wells Fargo what I needed to do for them to call the state recording office for a lien removal. Wells Fargo shut me down and told us they will not help with this case. Their reason was my HELOC loan was sold to another loan company, and I will need to clear with them. So, I hired a legal advisor. My lawyer followed the paper trail and found out the servicing company that bought the loan is no longer in business. The title company attempted to remove the lien using their contacts and resources, but was not successful. Since the loan was bought from a servicing company, instead of a bank, FDIC can not help me to remove the lien. 

At this point, I have exhausted all my resources and my funds to resolve this problem. I am tired, frustrated, and saddened by how everyone especially Wells Fargo could not help with what I feel is a simple case. All Wells Fargo need to do is call the recording office and clear my lien. 

Thank you, Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2018-02-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.

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 2021-05-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

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 2022-01-07
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 devices from XXXX  on my Chime Credit Builder Card on XX/XX/2021 on financing with a deposit that totaled XXXX and I also paid my bill 2 months in advance totaling {$600.00}. I had just paid my bill a few days before this and it was {$200.00}. So I guessed my bill after adding home internet from XXXX as well would be about {$300.00} a month. I had just got my unemployment after waiting for months so I didnt want to take any chances of my bills being phone being cut off being that after Covid my source of income was left to rideshare and delivery service. However. XXXX XXXX XXXX ( my home internet company ) offered the same devices at a much lower rate so I returned the devices after getting approval from XXXXXXXX on the phone, they sent me return labels and guaranteed my refund of all money paid since my service would be canceled. However after weeks of waiting and getting no money back I called my bank and disputed the charges. I was told an investigation would begin and to send any proof I had. I sent everything. At some point, XXXX reached out to me saying they had been trying to return the money but the card I purchased with was canceled. Banks decision. So I called my bank with XXXX on the phone and after hours of getting nowhere I gave up. I was told I had to wait for the investigation. 90 days passed and the denied my dispute. I called ranting and spoke to a supervisor. He or someone then approved my XXXX transaction which was on my debit card not on my credit like the other transactions and stated that the reason they denied the rest and not the one was because the dispute was filed incorrectly. Saying it was filed as unauthorized and not as a canceled services like the {$200.00} transaction. So we submitted it again and said it would be escaleated and I should here a response back soon. I did not. I waited the entire 45 days and was denied again. I am now in arbitration with XXXX and have no clue what to due. Im unemployed now and my license is screwed and all the money I need to fix things is being upheld by my bank. I even sent them more proof from the arbitration and from XXXX legal saying that My bank has charged back all the payments yet my bank has not given the money back to me. And I even have messaged and phone them about other discrepancies. What can I do? When I have no bank to walk into? I want to close all my accounts with them but then wouldnt I lose all my money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact synchrony for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/walmart XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on 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