BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.

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 2022-11-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; 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 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am writing this in extreme frustration of Navient, formally known as Sallie Mae for their vicious and repeated robo calls during the tenure of my payback period. I have been repaying my loan to Navient for several years and on several occasions, if only a day late with the nearly $ 400 monthly payment that I was required to make, I would receive repeated calls ( up to 6x a day ). These calls would all be robots, all from different random numbers and states, all with no one to talk to, including repeated calls to my co-signer. Navient is the only loan servicer that I deal with that has displayed this type of what I consider industry misconduct. The calls are harassment, and ineffective ( there is never s real person on the line ) I am apparently unable to remove myself from these calls, and no way to negotiate an affordable payment. Navient has repeatedly refused to lower my monthly payment, so there were occasions I would be late ; which is why they would justify these repeated calls. I ultimately had to take out a loan to set up a recurring payment to keep it under control, so the calls and harassment at this time has haulted. Unfortunately I was forced to do this because I had no other way of catching up. I want to flag Navient for potential loan seekers or even those who are currently dealing with them. Stay Away if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was reviewing my credit card statements for my Best Buy Credit XXXX through CitiBank and I noticed a fee that they were calling a debt protection  fee. I went as far back as i could on the available statements which was XXXX of XXXX and noticed the fee was there. I do not recall ever agreeing to this service or signing up for it. If so I was misinformed of the product. The amount ranged from {$16.00} to {$19.00} each month as far back as the previously mentioned date above. I looked at the overall amounts charged in fees and here is what i found per year : XXXX - {$430.00} ( I had late fees in this so the fees for the service were likely around {$270.00} XXXX - {$280.00} XXXX to date - {$150.00} I checked the internet and saw that CitiBank had been recognized as committing unfair acts and I feel that I was one of those they misrepresented information too and taken advantage of. 

I feel like a fool for not keeping track of my statements and looking over them each month.

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 2018-09-04
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18, I attempted to do a XXXX Transfer from my Wells Fargo business checking account. On the normal confirmation page, an error notice came up and said that they were unable to complete the transfer due to a glitch. The recipient did not receive the money to her account ( {$1100.00} ). The money was, however, removed from my account. I have called Wells Fargo 3 times asking them to reverse the transaction and replace my money, but they have stated that it will take up to 10 business days. This is unacceptable. This is a glitch in THEIR system and it is MY money. I am a growing business and need the funds replaced immediately.

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 2018-09-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
With the Equifax data breach, my wife and I spent hours trying to 1 ) get our credit reports from XXXX, Equifax and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from XXXX and XXXX on line but Equifax is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call XXXX to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. Equifax should be paying this not us as they made the XXXX up. This entire process needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
the trans union agency does not want to comply with federal laws. They don't want to delete my inquirs that were unauthorized. They are going to be investigated by order of legislators in Congress for not wanting to comply with federal rules

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX  Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights.

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

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 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.

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 2023-01-19
Company: MoneyLion 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: Account information incorrect

Complaint:
Moneylion continues to violate the bankruptcy discharge that we received on XX/XX/XXXX. 

The XXXX XXXX case was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. Moneylion received notice from the court, as well as me. I responded to Moneylions debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the bankruptcy and provided discharge documents. Moneylion has instead chose to wrongfully and injuriously report further delinquency to my credit report.

Credit disputes continue to receive incorrect information from Moneylion, despite providing the court documentation.

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 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had my personal debit card/checking account from XXXX XXXX linked to my capital one credit card account to make payments. Capital one erased my checking account info from XXXX XXXX, after I have had payments go through for over 6 months effectively. I have called both capital one and XXXX XXXX, capital one told me I had to go into XXXX XXXX to get a letterhead letter faxed to Capitol one containing my routing number, account number and XXXX XXXX  representative, this was obtained and faxed to Capital one on XX/XX/XXXX. I have not heard anything from them, and still when I try it wont re-link my account to make a payment. I have called them numerous times, and spoke to an employee XXXX employee ID # XXXX on XX/XX/XXXX, she informed me she would be calling me the following day as the department needed was not in, however I never got a call from her as discussed at XXXX. So I called again and spoke to XXXX XXXX ID number XXXX who told me he would email her since he can not connect me to a supervisor in that department. This is ridiculous and no one is able to help me, it was linked before with payments and now they wont add it back and XXXX cant make payments with a payment due XX/XX/XXXX. Please help me get my account set up this has been on going now for XXXX weeks and is not acceptable, and wrong of the capital one employees for making me do all this work and not even call me back? This is wasting my time when it shouldnt be at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NJ
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 submitted a dispute to clear up a wrongful Past due payment from XX/XX/XXXX, they ended up adding another past due for XX/XX/XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NY
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 am a consumer by law, This has not been submitted in error. 
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. 

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 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 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 have a credit card with Capital One and am hoping to pay off the entire thing. I paid my entire balance ( {$9900.00} plus change ) and my balance became zero. My statement then showed a balance of {$200.00}. I was told this is from a previous balance. My understanding of the CARD Act leads me to believe this practice is against the law. 

Furthermore, I requested the exact amount that I needed to pay to be completely free of debt from Capital One and I was told by the customer service operator that she was unable to provide me with that information. It seems like an act of fraud that a creditor refuses to tell its consumers how much they need to pay at a given moment to be completely free of debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.

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 2023-04-03
Company: JPMORGAN CHASE & CO.
State: NC
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:
Re : Account ending in XXXX Transaction : XXXX {$1000.00}, XX/XX/XXXX. 


This transaction is for a flight reservation. I tested positive for XXXX before my departure and couldnt travel. The airlines policy allows for a full refund in this case. After many unsuccessful communications with XXXX  and a complaint I filed with the department of transportation that, to date, went unanswered, I opened a dispute with Chase Bank on XX/XX/XXXX On XX/XX/XXXX, I received a 36 pages electronic letter from Chase stating : -We consider the disputed charge valid. We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. 
-On page XX/XX/XXXX ; in the document provided to Chase by XXXX XXXX The merchant stated that I'd been advised to send them a copy of my XXXX report so they can request a refund waiver from the airlines. Please refer to the attached letter, page 6. 
On XX/XX/XXXX, I sent XXXX my positive XXXX report as requested. On XX/XX/XXXXXXXX XXXX then requested another report with a QR code. I sent them this test as requested. However, I never heard back from XXXX and I still didnt receive a refund. A copy of my email conversation with XXXX is attached. 
I called Chase Bank to re-open this dispute. The agent requested that I upload a copy of my email conversation with XXXX. As you can see, the email communication shows that I indeed sent the merchant the requested positive XXXX  test with the QR code. 
On XX/XX/XXXXXXXX I received an electronic letter from Chase Bank stating : We confirmed that the transactions you disputed are valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. 
Chase Bank violated our card agreement here and didnt handle the case correctly : -The merchant acknowledged to Chase Bank that I'd be receiving a refund waiver upon providing my positive XXXX test. 
-I provided Chase with a copy of my email communication with the merchant showing that Ive provided the positive XXXX test as requested. 
- Chase Bank used the wrong reason code for this dispute. Chase used code 13.7 Canceled Merchandise/Services, while the correct code is 13.6 Credit Not Processed.

-Chase Bank didnt provide any documents showing that Im not owed a refund. The merchant must be contacted again to challenge the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Revco Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX XXXX XXXX from XXXX 2022. I vacated in XX/XX/2022 and officially moved out of the building in XXXX. I am being erroneously charged for {$1100.00} in utilities payments even though I provided notice to the company to stop. I also gave written notice to my management company and was forced to leave under emergency circumstances

Company response to consumer: Closed with non-monetary relief