BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Synovus Bank
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Contacted XXXX XXXX for refund sent to inactive account for son Called XXXX, rep answered XXXX XXXX  XXXX. Advised needed to validate account and asked for pass code. Said sending a text to validate account advised to get son on phone to validate his account. Told me to logout of XXXX   XXXX while refund processed. Read off last transactions to me. Said could see sons account was inactive and a new account was formed. Said could not verify son. Received weird text from XXXX   XXXX saying cancelling {$210.00} payment. Rep said that was part of the process to validate. Said needed another contact in my cash app to third party refund. Called my mom XXXX XXXX. The rep gathered same info from her. Put me on hold. Got a fraud alert from my bank. Asked rep what was going on because bank called and texts started coming in sayin pin changed, card disconnected and money transactions and cancellations. Rep hung up. My account had been wiped cleaned. I tried to get back in XXXX  XXXX. Contacted fraud alert at my bank. Deleted account to prevent further transactions. 

My account was wiped of {$4600.00} in about 22 minutes while on hold with the fraudulent XXXX number. XXXX XXXX investigated and concluded my account was compromised and advised me to contact my bank for a refund. My bank denied the dispute and advised me to contact XXXX XXXX since I initiated contact with the fraudsters and file a police report. XXXX XXXX has yet to respond on my next steps for resolving my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Paypal allowed 4 charges to be added to my Paypal XXXX unauthorized by me. When I attempted to dispute the charges I received this notification : Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX XXXX XXXX : {$61.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX XXXX status : Closed The case was closed in the sellers favor as the seller provided a valid proof of delivery. 
Case details Case ID : XXXX Disputed amount : {$73.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : 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 2019-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I was on the phone with a Wells Fargo Home Mortgage Consultant to discuss options for a pre-approval. I had issues verifying my SSN and DOB. I was asked to visit a branch in person to verify this information. This was the second time I've had to get my information verified at a branch since opening my account in XXXX. Neither my SSN nor by DOB has ever changed. 

Upon visiting the branch, I've learned that my SSN and my DOB were both incorrect by one digit. In addition to this : - I also learned that a credit card application had been placed in XXXX. XXXX was a while ago, I don't remember whether or not I had placed this application. But the graver issue at hand was how an application could have been placed without verifying my DOB or SSN.

- I have been using Wells Fargo 's online banking website to view a FICO score. I've since been told by Wells Fargo that this FICO score belongs to someone else, and is visible because I had someone else 's SSN tied to my account.

In trying to clarify this issue with Wells Fargo, I'm trying to understand when my SSN and DOB first started showing up as incorrect. They refuse to share this. My concerns are as follows : - I have no visibility on whether or not this personal information was wrong from the day my account was created or whether someone had changed the info since then. Wells Fargo refuses to share this. There are implications for me if a malicious party has my personal information and is changing my account details.

- I have problems about Wells Fargo 's procedures and security measures. How was a credit card application placed without confirming my DOB or SSN? How is it possible for me to view someone else 's FICO details without some verification that the score is tied to the correct account, through some means other than SSN? Data like DOB and SSN should be nearly immutable.

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 2019-02-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX  XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out. 

My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX , XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2018-10-15
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is an address on my account that does not belong to 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 2021-01-22
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was approved for unemployment and given a number to call Way to Go card services to check on when my card was mailed out. Upon calling I was told that it was mailed on XXXX, and to give it a couple of days especially due to the holiday and I obliged.On XX/XX/XXXX, I called back and was told to give it another day or so. I called back on XX/XX/XXXX after the mail had run and was told to give it a few more days and again I obliged, XX/XX/XXXX, I called again because I still had not recieved a card they said it may come on tomorrow ( XX/XX/XXXX ) and it didnt. When I called back on Sunday XX/XX/XXXX to let them know it still hsd not come the person told me that they would order me a new card and I should {$20.00} fee, and I did not find out about a {$20.00} fee until after activating my card I found that the balance was less {$20.00} upon which time I called the company after checking my unemployment claim to find out how much was deposited. Per conversation on last night, XX/XX/XXXX, I was told that I would not get my money back and that was that because it was expedited, which I never requested.I requested someone else to speak to in rference to my concern and was given a supervisor, XXXX, who said that I wasnt getting my money and there was no one else that I could speak to and I refuse to believe that consumers can just be taken advantage of as such.XXXX would not give me a phone number, email address or his superior. 

I never agreed to anyone taking any money off of my card especially during these times and more importantly is that I never received an original card from the beginning and still have not seen that card that was suppose to have been sent out to me.I am definitely not pleased and feel that this is taking money just because they say so and they can. I want and need my $ XXXX.I wonder how many more people this has happened to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: IL
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 2022, due to loss of employment due to the pandemic, I was over 30days late in XXXX with my payments for my XXXX XXXX  Account I was 30 days late in XX/XX/2022. I have sent 4 letters to Management and The CEO. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then I can sue them for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: PNC Bank N.A.
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: Overcharged for something you did purchase with the card

Complaint:
I have complained about PNC Bank previously for the same problem, but then fractured my spine and did not feel well enough to follow through with my same complaint. Please look it up as they are doing the same again. 
Whenever I close my VIsa Travel card and have a {$0.00} balance, when they open the new card, it also has a {$0.00} balance, but then shortly thereafter they take a purchase I made on the previous card and put it on the new card WHICH I HAVE NOT USED YET. They say that it was for something that had not been paid, but I know that I had paid off the previous card in full. In addition, they hide all my transactions from me, from the previous card and the current one, so that I can not track any purchases on line. I do not use paper statements. 
They have done this over and over. I am retired, but even if I weren't, no-one should have to deal with such behavior. They will also delete a purchase that I paid for on a previous card so that it only shows up once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report is LOCKED ( not frozen ) and Experian DOES NOT PROVIDE ANY WAY TO UNLOCK IT. 
My request for a credit limit increase at XXXX is being denied because of this and I will never be able to apply for a new credit card. 
The lock was probably put on decades ago after my purse was stolen. The Experian website has a provision for freezing and unfreezing but not for unlocking. Their PHONE NUMBERS DO NOT PROVIDE ANY WAY TO REACH A PERSON nor do they have any option for unlocking. Freezing and unfreezing on the website gives me an error saying that my credit report is locked but seems to complete the freeze/unfreeze. ( A second attempt says that the file is already unfrozen ). The phone unfreeze option confirmed the unfreeze ( confirmation number XXXX ). After each of these unfreeze actions, XXXX attempted to get into my credit report but was still unable to. 
Experian has a product called Experian CreditWorks Premium which has a sub-product called Experian CreditLock which allows you to lock your credit file. I tried to enroll in Experian CreditWorks Premium in hopes that I could unlock it there. My enrollment was rejected because it said it could not verify me. Presumably that also was because my credit report is locked.

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 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is a complaint on Bank of America infringing on the 2nd Amendment rights of law abiding United States citizens. I understand the company is privately owned, but would not be in existence today if it were not for those taxpaying United States citizens. Bank of America must stick to the banking business, and stop discriminating against law abiding citizens. It is not ethical for the bank to use peoples hard earned money, that makes the bank richer, then dictate to these same people that their legal business will be destroyed because of being pressured by the politics of the liberal Left.

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 2018-10-15
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act 2009, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/2018, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.

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 2018-08-02
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: Account status incorrect

Complaint:
XXXX XXXX is reporting on my credit for a XXXX debt that is over 8 yrs old and was paid a long time ago. When I called them they said they do not have the account anymore and they sent it back to XXXX in 2012. Yes they are currently reporting and damaging my credit. 
The debt is past the CA statute of limitations also and I do not owe it.

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 2018-10-15
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MoneyLion checking account Cant activate my debit card that was mailed to me ... Cant transfer funds to linked external banking account ... {$500.00} was direct deposited on Friday XX/XX/XXXX ... Still cant access funds ... checking account currently has {$620.00} in it and I have no way to access it ...

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and 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 2018-04-16
Company: Global Lending Services LLC
State: MI
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:
Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

Company response to consumer: Closed with explanation