BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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:
XXXX Our bank took funds that they never tried to investigate. 
Union Bank XXXX XXXX XXXX XXXX, California XXXX They didnt provide proof of names, photos, times, or people that they attempted to contact. I asked for all of this information and they provided nothing. I filed a police report, XXXX complaint, FDIC complaint and now CFPB complaint Ive tried my best to work with the company, and I got nothing in return. I asked for proof, and I received a letter stating, the payment cards are ( NEARLY ), impossible For a criminal to counterfeit ***** NOT DEFINITELY!!!!! 
Im in charge of my daughters bookkeeping, I was very ill for 3 months. I missed the debit taken from our account. Its her money, I had a card for emergencies. We put gas the night before we had to be at the XXXX XXXX in XXXX XXXX, Ca. It was an unfamiliar gas station. My daughter stated that criminals put something in the slot, so they can steal info. My ex spouse is XXXX and has XXXX XXXX XXXX. Theres no way possible that anyone of us, including our daughter, that would attempt to go to a mall in XXXX, Ca. Its a nasty, XXXX city. People are killed on a daily basis. I was 5-6 hours late to XXXX XXXX. My ex took the wrong bridge. He could never go to XXXX and find a mall, yet alone walk. Nor, could I. He worked in the XXXX XXXX XXXX XXXX, since our daughter was born, and he had us going in circles. I reported it, when I looked at her statement, later when I was a bit more clear minded. The account is in both our names, I do all of her book keeping. Im not letting the UnionBank get away with this petty nonsense. Im sick, though I will fight for my daughter until I am ashes. I know It is a small amount, its not their money. Its criminal act for them to not provide proof, and take her money! After she was subject to a XXXX criminal. Who committed fraud at a mall we know nothing about. UnionBank is an unscrupulous company. I advise everyone not to do business with this company. 
Its not about money. Its about integrity. UnionBank has none. I left my # with the manager to return my call. They didnt, and proceeded to hang up on me 7-8 xms. 1 with a huge gasp, as if annoyed. I filed a complaint. I have 6 - 7 complaint numbers filed with 6 - 7 different agencies. Closing our account after I am done with all of the agencies I can find to file with. Do not let any company believe that you as a consumer, are going to allow them to get away with unscrupulous business practices.

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 2021-03-31
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:
There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX  Amt {$580.00}

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 2019-08-26
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon reviewing all the credit reporting agencies files on myself, I discovered two major errors and I have already filed a complaint with your organization about one of them which is reporting that I owe a student loan. This one is about an auto loan that was paid and discharged in my Chapter XXXX case in XXXX. 
On or about XX/XX/XXXX, almost four years after the Chapter XXXX plan was completed and discharged, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) reported that I still owed {$320.00} on said auto loan that was secured in a Chapter XXXX plan filed in XX/XX/XXXX and successfully completed and discharged in/about XX/XX/XXXX. I went in person to the bank and was told that would be handled by the Asset Recovery department and they did not meet with account holders in person. I was given the name XXXX XXXX and a phone number ( XXXX XXXX XXXX to call and discuss the matter with. I called him from home & left a message. He called me back the next day and I explained that the auto loan was in fact in the Chapter XXXX plan that was completed and that the charge off of {$320.00} was not accurate nor should it be on my report. He said he " fixed '' it but it would should show a charge off and hung up. I am filing this complaint in response to XXXX XXXX XXXX XXXXXXXX XXXX XXXX putting inaccurate financial information on my credit report and seek to hold them liable for damages to my credit score and file and for them to remove any and all financial information that was paid or handled through the Chapter XXXX completed and discharged plan. 
Thank you for your assistance in this matter.

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 2020-11-15
Company: EQUIFAX, INC.
State: NY
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:
here are three issues One, I had a XXXX  XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, Equifax, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my XXXX complaint. Lastly, these credit companies XXXX, Equifax, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It all started when my account was negative due hardship. An error through a gas station app made 3 transactions on my bank account. I understand that the bank charged a fee of {$35.00} for each transaction on XX/XX/XXXX and XX/XX/XXXX. I did made a check deposit to clear the payments, but the bank put a hold on for days and kept me charging for more overdraft fees on XX/XX/XXXX and XX/XX/XXXX. For some family that was going through a struggle all that fees are unnecessary. 
I called bank of America and they helped me with only 4 other charges that were also made on XX/XX/XXXX way after my check was cleared. I was transferred to another department, and he also said nothing he could do with those 5 other fees they were charging on XX/XX/XXXX and XX/XX/XXXX. They charged me over {$400.00} only in fees. I said I understand the first ones was made due negative account, but not another 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 monetary relief
Consumer complaint received 2020-11-26
Company: M&T BANK CORPORATION
State: NY
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:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian failed to provide the method of verification that I requested for XX/XX/2021. Instead they only updated the file without showing any proof of proper investigation. The file from XXXX XXXX XXXX never showed proof or verified that they have a right to report on my file. Therefore by law this file should be deleted for negligence towards the fair credit reporting act.

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 2019-08-26
Company: World Acceptance Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened this loan in XXXX XXXX, KY XX/XX/XXXX. I lost my job XX/XX/XXXX and could not make the payments. Can WFC really report a 17 month charge off period with 120 day late payments? But the major issue is the past due amount increases from $ 50-75 dollars each month it is reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Reli card/Us bank sent a card to my previous address. Due to me filling for unemployment compensation How ever the card Was stolen and use fraudulently. I sent all information and documentation to the contrary!! And they admitted to the mistake! And sent me a provisional credit for half of what was stolen.Over {$4000.00} was stolen from me! THEY made the decision to only return half. Please help totally robbed then victimised!

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 2020-08-25
Company: Lending Club Corp
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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 ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove  this, however I have not been successful.

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 2018-07-13
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A woman named XXXX XXXX advertised an XXXX XXXX  on XXXX XXXX. She lied about it, collected {$250.00} from me on XX/XX/XXXX through XXXX, and never sent me a package and refused to give me a tracking number or a refund after lying and telling me she had and then proceeding to ignore my messages and block me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX   overcharging me for months of services after I cancelled the account. I had a XXXX  balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. 
XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. 

I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. 


Kindest Regards,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BARCLAYS BANK DELAWARE
State: TX
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 have disputed a series of charges. The following are the amounts disputed along with their case ID numbers. 

{$1.00} XXXX {$4.00} XXXX {$51.00} XXXX I spoke to XXXX from XXXX who has an ID of XXXX. XXXX promised me on XX/XX/21 at XXXX XXXX CST by calling me from the number XXXX. He said that I would see a temporary credit within 3-4 business days. I also would not be expected to pay any interest on these charges while they were being disputed. He also stated that I didn't have to pay a payment on XX/XX/21 because my current statement balance only has these three temporary credits. I sent myself an email with these details immediately after the phone call in order to document this communication. 

Barclays failed to keep their promises to me. They failed to provide a temporary credit to me in the promised amount of time. They also failed to keep interest charges on the disputed amount from being added. I have enclosed a picture of my current balance, which shows that there was a {$0.00} interest charge added after my phone call. This was interest on the disputed amount. It was added despite the fact that I went above and beyond what was expected of me by paying my statement balance on time, even though it included the disputed amount and XXXX told me that I didn't have to pay it. I am attaching my recent card statement to demonstrate that I paid the statement balance. 


I spoke to a front line customer service representative on XX/XX/21 who refused to fix my issue.

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 2019-08-26
Company: BB&T CORPORATION
State: MD
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:
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX Bb & T XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: IL
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:
After disputing an extremely old out dated XXXX account that suddenly reappeared on my Equifax credit report, Equifax erroneously determined that the information was appropriate and verified that the information being reported was correct ( with, as stated by Equifax, " minor corrections '' ). This account was closed and discharged by XXXX close to a decade ago ( XX/XX/XXXX ) and has no business being reported on any of my credit reports. The payment information being reported by Equifax is an outrageous fabrication. Particularly, that I made monthly payments to this account from XX/XX/XXXX through XX/XX/XXXX and then there being reported that I stopped making payments starting in XXXX of XXXX through XXXX of XXXX. There has been absolutely no payment activity on this account during this period of time at all! Therefore, this is a blatant and flagrant violation of state and federal laws. To further prove their incompetent reporting, Equifax erroneously reports that the " Date of Last Payment '' was " XX/XX/XXXX '' and then also reports the " Date of 1st Delinquency '' as also being " XX/XX/XXXX ''. However, I have made no payments to this account for over a decade now and the account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation